23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Mortgage

Wells Fargo 's websites are chronically, for many months, unable to accept electronic payments, nor to establish autopayments, nor to reliably maintain autopayments, resulting in them harvesting additional and unjustifiable late fees. While all banks have occasional technical outages, I believe that Wells shows a pattern of deliberate negligence in the operation of their websites, as this results in additional fee revenue when customers are unable to make payments quickly and conveniently. This pattern of behavior appears to me to be years-long. 

As just the latest example : XXXX XXXX  XX/XX/XXXX, when attempting to make a one-time payment at XXXX XXXX, the website says " We are unable to process this request at this time. Please try again later or call XXXX ''. This is certainly not a time in which Wells would be performing routine maintenance on the website. 

This is a recurring pattern since at least XXXX XXXX. At that time, I needed to change the bank accounts from which I make my mortgage payments to Wells Fargo. So, I cancelled my existing autopay order, and attempted to make a new one. The website was unable/unwilling to accept a new one at that time, so I was forced to make a 1-time payment. I then made multiple followup attempts to restore auto-payment, at which times the system was also unavailable. 

I believe that I eventually successfully created an autopay on my account, but of course did not document this activity, never expecting it to be a problem months later. My XXXX mortgage payment shows in my banking records as an 'autopay ' from Wells Fargo . If it was not actually an autopay, it was the second month in a row where I was forced to make manual payment, but I do not believe this to be the case. I know that I closed a documented To-Do about re-establishing autopay, believing it to be finished. However, no subsequent monthly payments were made, resulting in a late fee. 

Today, the website does allow creation of autopays again... but is unsurprisingly now unable to accept 1-time payments. This forced me to call and speak to a service agent to catch up my account, which many people will not find the time to do. There's always _something_ broken on the Wells Fargo website , something which will later generate unearned interest and late fees. 

Given Wells Fargo 's massive size and resources, and this being XXXX not XXXX, a service for reliable web mortgage payments is a trivial capability for a bank to operate. Wells Fargo 's failure to enable these payments reliably seems to fit into their long-term pattern of predatory, fee-seeking behavior, for which they have been repeatedly fined Billions of dollars. I would suggest that CFPB investigate how frequently and for what reasons WF 's digital payment systems have been offline, and how much interest and late fee revenue this has generated for WF.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXXXXXX Date Opened : XX/XX/ Balance : {$720.00}
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention an issue that I have been encountering with XXXX XXXX XXXX, Experian, XXXX, and XXXX. The essence of my complaint revolves around the false and inaccurate reporting of an unsecured loan attributed to me by XXXX XXXX XXXX, a " credit services organization ''. 

In documentation provided by XXXX XXXX XXXX they openly acknowledge, " XXXX XXXX XXXX XXXX DBA XXXX ( XXXX XXXX  ) acts as an intermediary between a Lending Partner ( the Lender ) and you in connection with Loans made by the Lender ... XXXX XXXX  does not make Loans or provide credit counseling or credit repair services. ''. Additionally, they confirm that they do not directly or indirectly extend credit to consumers, which is consistent with California Civil Code Section 1789.13 ( p ) It is therefore illogical and factually incorrect for them to report an unsecured loan on my credit report when they themselves concede that they do not provide loans. This information is not only materially false but also breaches the Fair Credit Reporting Act, 12 CFR 1022.41 ( a ), as it misrepresents the nature of my relationship with XXXX XXXX XXXX. 

Moreover, the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2 ( a ) ( 1 ) ( A ), prohibits any person from providing information about a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. Given the above assertions, it is clear that XXXX XXXX XXXX, Experian, XXXX, and XXXX, have violated this regulation by insisting on the validity of the unsecured loan. 

Despite my efforts to resolve the issue by disputing the inaccurate information Experian, XXXX, and XXXX insist that they have 'verified ' the information, an assertion that I challenge based on the legal definitions of " Verify '' and " Verification ''. As per XXXX 's XXXX XXXX XXXX XXXX, " VERIFICATION '' is defined as the " Confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition '', and " VERIFY '' is to " confirm or substantiate by oath ''. It's clear that the verification process necessitates a formal oath or a similar legally-binding assertion, which I find doubtful in this context. 

And if for no other reason, the account should be deleted as a matter of privacy, which congress has stated is my right.
Product: Credit reporting or other personal consumer reports

I would like for the companies to report paid as agreed for the transactional history.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Debt collection

Lustig , Glaser & Wilson XXXX P.C XXXX of XXXX XXXX have been making multiple attempts to contact me on behalf of XXXX for a credit card debt that is past the six year statute of limitations in XXXX and XXXX. They have sent letters on XXXX XXXX, XXXX XXXX, XXXX XXXX, in an attempt to collect the debt and have also sent an " appearance '' notice for the XXXX XXXX Court. They are attempting to re-age a debt that is over seven years old, and XXXX had already sued me in 2008 in the XXXX XXXX XXXX XXXX XXXX Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to honor Security Freeze requests from the web.
The same information that was valid for a web credit report from Experian was rejected for a Security Freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXXXXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022 & XXXX M XXXX of Inquiry XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # 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 an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I issued a check with the correct amount in the box but my hand writing according the creditor was not legible enough so they cashed it for the wrong amount upon realizing that my account was past due I corrected it by paying more then the monthly amount what amazed me though was that the company did not try to contact me at all through phone or mail or email at any time. I contacted the company when I realized the report was on my record and my daughters record as she is on the loan as well and they said that they made no mistake and could not help so I reported it to the the various credit bureaus and at least one has come back saying they checked with the creditor and they say its all correct so there is nothing to investigate. Whats the point of having the investigation if there isn't really an investigation.
Product: Mortgage

We went to closing on XX/XX/XXXX paying off both Navy Federal Credit Union and NFCU attorney/ collection agency XXXX , XXXX , XXXX XXXX XXXX , XXXX . and XXXX XXXX XXXX. NFCU did not give us an payoff from NFCU itself instead NFCU had their attorney/collection agency XXXX , XXXX , XXXX XXXX XXXX , XXXX . send the payoff that was confirmed XX/XX/XXXX by XXXX XXXX was the wrong payoff. After our complaint to your office NFCU and their attorney/collection agency XXXX , XXXX , XXXX XXXX XXXX , XXXX . refused to send the correct payoff and was trying to destroy closing once again with their unethical and unlawful actions so we were advised to payoff full amount under protest. emails will confirm Enclosed are the emails from settlement company making full confirmation both NFCU and Beneficial were paid in full the amounts as Navy Federal Credit Union and NFCU attorney/ collection agency XXXX , XXXX , XXXX XXXX XXXX , XXXXXXXX . and XXXX XXXX XXXX required in their payoff notices/documentation to settlement company. 

We are still receiving harassing calls from NFCU and XXXX XXXX XXXX. NFCU informed us that they have the right to call because NFCU have not received payoff. 

Enclosed are emails XX/XX/XXXX from NFCU attorney/ collection agency XXXX , XXXX , XXXX XXXX XXXX , XXXX . stating on XX/XX/XXXX. Please see emails XX/XX/XXXX of settlement company confirming both wired payoffs for both XXXX XXXX XXXX. 

Both NFCU and XXXX XXXX XXXX are destroying our credit and is refusing to report to all the credit bureaus that both mortgage loans are paid off in full. We want Both XXXX XXXX XXXX to report both loans as payoffs in full and remove all damaging information destroying our credit reports.
Product: Debt collection

On XXXX XXXX I was notified by Collins Asset Group, represented by XXXX XXXX XXXX, that they had filed a lawsuit against me concerning a debt that is more than 2 years past the statute of limitations in my state. 
Disputed Debt : The debt in question is one that I have long disputed, and its validity has been under question for several years. I have repeatedly requested validation of this debt from Collins Asset Group and have not received satisfactory evidence supporting its legitimacy. 

Statute of Limitations : It is important to note that the statute of limitations for pursuing legal action on this debt has expired more than two years ago, according to the laws of PA Despite this, Collins Asset Group, along with XXXX XXXX XXXX, have proceeded with legal action against me, which I find highly concerning and potentially in violation of consumer protection laws. 
Unfair Practices : I believe that the actions of Collins Asset Group and XXXX XXXX XXXX constitute unfair and deceptive debt collection practices. Pursuing legal action on a time-barred debt not only violates my rights as a consumer but also undermines the integrity of debt collection laws designed to protect individuals from harassment and unjust actions. 

In the Documents I uploaded you can see that the date the Lawsuit was filed was XX/XX/XXXX and the alleged date of last payment was XX/XX/XXXX making the time elapsed to be 5 years Seven Months and 5 days which is well past the statute of limitations It is also important to note that I successfully defended myself in this matter and I was awarded Judgement in my behalf
Product: Checking or savings account

Someone gave me a check and chase asked him if he was the one that gave the check he did not understand the question and answered no so in return chase returned the check and fast the person that gave the check corrected himself and got it on his account as a note Still chase has closed my account and from there i tried opening my account XXXX times it was closed every time Till someone at the bank told me to come back on the XXXX of XXXX and i did and she told me it should be ok Then i added a check of XXXX from the same company that gave me the last check And again chase is closing my account and will not help me and saying stuff that dont make any sense And Im not being helped at all Im being treated like Im not honest at all i need help and i need it fixed Im behind in my rent my credit cards because of this Im in a very bad situation because of them
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a inquiry that I do not know about on XX/XX/ 2023 I never applied for
Product: Credit reporting or other personal consumer reports

On XX/XX/year> an account was added to my credit report from a collection agency. This is result of identity theft.
Product: Money transfer, virtual currency, or money service

I am filling a complaint due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( cfpa ) specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act and transfer act ( efta ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appreciative redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX credit card was closed by the creditor, it is in their collections. They added a new late to my credit report. If it already charged off or closed, can they continue to apply lates hurting my scores?
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I submitted some documents to Transunion Consumer Solutions on XX/XX/2019. They sent me back the results as verified. Obviously they did not properly verify the accounts and can not verify the accounts as per the terms of Section 611 ( 5 ) ( A ) of the FCRA which states they must delete the unverified disputed account from the consumer 's credit file if it can not be verified. Credit Bureaus are " For Profit '' corporations. They must be held responsible for what they publish and sell to credit grantors. The courts have ruled that they are responsible for verifying the accuracy not me.
Product: Debt collection

The debt was held by XXXX XXXX XXXX, I negotiated, in good faith an old debt of {$8800.00} to be settled, and considered paid in full for the amount of {$4400.00}. I have a settlement letter as proof of settlement. My 3 credit bureaus are not reporting this as settled in full and still shows an outstanding balance. I was told this debt would be removed from my credit report, but it had not, please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, i filed a complaint with CFPB because XXXX closed my account for inactivity, My arguement was they really closed it because of the pandemic and financial crisis when it started and lied and used inactivity as a way to close the account.Well, I have new information that proves they lied.On XX/XX/XXXX i received a letter from XXXX dated XX/XX/XXXX that shows inactivity as one of the reasons.I opened this account in XX/XX/XXXX and last used/paid off in XXXX account was close in XXXX XXXX received a letter from XXXX dated XXXX XXXX and it states my account has been inactive for 18 months or longer.Because of there gross negligence, my credit score has dropped and has caused stress to me and my family.
Product: Money transfer, virtual currency, or money service

i found tow transactions on my account XXXX made on XX/XX/XXXX amout of {$1000.00} XXXX XXXX made on XX/XX/XXXX amount of {$590.00} i checked with my bank they said claim was denied they can refund me i dont know what i can do
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

16 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Per Equifax, I would have results from my disputes by XX/XX/2021 I submitted disputes online and have received NO results. I need the following items removed from my credit report as nothing has been found in the Equifax investigation to validate these incorrect items that are on my report. 

XXXX {$5100.00} XXXX  {$1100.00} XXXX {$1500.00} XXXX {$2600.00}
Product: Debt collection

I contacted credit collection services to pay a debt that they reported on my credit report. When I spoke to the representative they tried to imply that paying the debt would and updating the account balance to {$0.00} effect my credit score and that they couldn't remove it as that would be a violation of FCRA which is incorrect by both the letter of the law and the case law around this issue. Upon speaking with the supervisor she repeated this information and stated they are trained to tell people this and commonly do so. In addition it took multiple attempts to contact them as they wouldn't answer the phone limiting my ability to pay the debt. Finally they acknowledged that the address they had was incorrect but they made no attempt to get an accurate address and report the information correctly as per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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