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

Paid the balance of the account in full on XX/XX/2024. Spoke with a representative of concora credit on the phone this date. They advised me that {$280.00} was the total balance on the account. I was on the phone with them settling a different account when they also notified me of this account with them. During this time I was working with a debt settlement company whom was settling most of my accounts on my behalf. The accounts I had with concora credit were not part of the program as I intended to pay them off in full and settle the accounts myself. I paid concora credit for both accounts on XX/XX/2024 and was advised that both accounts were settled, paid in full and CLOSED. However in XXXX I received a notification that my indigo credit card account was past due. I called concord credit again asking why I was receiving this message. They informed me that they never closed the indigo card account after I paid it in full which resulted in {$9.00} of interest charges posting to the account. After the interest charges posted, they then proceeded to charge me interest on the interest charges and charged me with several late fees for an account they told me was closed in XXXX of this year. The account had a {$0.00} balance in XXXX after I paid in full and is now at a balance of over {$400.00}. The card hasnt even been used during that time as they told me the account was closed back in XXXX. Therefore, over {$400.00} worth of interest charges and account late fees accounts for 100 % of the total new balance. I have done everything in my power and taken action toward actively paying off all of my debt. I am 75 % through my debt settlement program and am determined to finish the program and settle all of my debt. It is not fair that this creditor is able to tell me they did something when they actually did NOT do what they said resulting in substantial financial harm to myself and my family. It is not fair that they can just say oh well we maybe made a mistake but you still owe us the money and their is very little I can do about it but pay it. Please help!
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

AvanteUSA,  XXXX , TX offered to settle a debt from  XXXX   XXXX   XXXX  in  XXXX  PA and sent a letter implying I would be subject to further action if I did n't pay AvanteUSA. I have never been to  XXXX   XXXX   XXXX  nor do I live anywhere near  XXXX  PA. I have seen other complaints about Avante since researching this scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I come today to request that the record is corrected due to errors I've seen on my credit report. I am natural person consumer pursuant 16CFR 444.1 ( d ) A natural person who seeks or acquires goods, services, or money for personal, family, or household use. I am asserting my right against the financial institutions and reporting agencies pursuant Regulation V. 12CFR 1016 Regulation P requires financial institutions to provide certain privacy notices and to comply with certain limitations on the disclosure of nonpublic personal information to nonaffiliated third parties and requires financial institutions and others to comply with certain limitations on redisclosure and reuse. I have not received any disclosures to opt of the sharing of my information. I have reached out to XXXX, XXXX XXXX XXXX XXXX and XXXXXX/XX/XXXX to validate this alleged debt. I filed a FTC report for identity theft attached for more information. XXXX XX/XX/XXXX is claiming I owe a debt how if all debt or alleged debt is obligation of the United States pursuant 18USC8 The term " obligation or other security of the United States '' includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. Pursuant 18 USC 8 how can one have a late payment if said law implies certificates of indebtedness is of the United States. The furnishers of this information is in direct violation of the FCRA. Pursuant 15USc 1681 c ( 2 ) a all information in connection to identity must be block within 4 days. I understand it has to be an investigation but understand that the law trumps policy. I request that the rules of the investigated report is followed pursuant 15USC1681 ( a ) e must have sources of interviews of family and friends. Further more pursuant 15USC 1681A ( 2 ) a ( iii ) I must be given a chance to direct the information whether I want the information about a transaction I had to be reported or not ( Gramm-Leach-Bliley Act ). I request all late payments are removed from my report. I request that XX/XX/XXXX is deleted due to my medical information being shared. I request the proper notices to opt are mailed monthly TO ME from each furnisher meaning financial institution and credit reporting agency failure to disclose such documents is direct violation of Regulation V. This information is false and misleading to anybody who sees my credit report. Banking is dependent upon the accuracy and fairness to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed this complaint ID XXXX with the cfpb and named XXXX and XXXX in XXXX of 2023 XXXX agreed to remove the negative account from my consumer report XX/XX/XXXX I believe. Well it's still reporting. I have a letter from XXXX saying they will remove it XXXX said they validated the account which can't be true. I called XXXX they agreed that they requested it no longer be reported. I will provide the letter from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT Top Inquiries Below are the names of people and/or organizations who have obtained a copy of your Credit Report. Inquiries such as these can remain on your credit file for up to two years. 
Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Checking or savings account

On XX/XX/2021 I was scammed for {$500.00} dollars. I was supposed to view a place and was told that money was needed to be deposit to see the room. The scammer then goes on to send me fake picture of the room and said that it was required to put money down to see the room. I reached out to the seller and told them I felt pressure by them to send money when I have never seen the place. They then went on to threaten me stating if I don't put something down that I'll lose my original deposit of {$200.00} for the application. I was forced into sending {$500.00} dollars and when I arrived to the apartment, everything was broken and filthy with bugs and dirt 's. I then immediately contacted Wells Fargo and open up a claim with them. A few days later, they sent a letter stating that they will not help me and denied my claim. I then tried reopening the claim and stated that I have written text messages document of the scammer stating that they scam me and Wells Fargo refuse to look at the document and reconsider opening up my claim. On XXXX XXXX, I called Wells Fargo claim department and was told that even with my supporting evidence, they would not look at my claim.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is:XXXX My only and correct date of birth is : XX/XX/year> I do not wish to have any telephone numbers on my report. Below are the negative account/accounts XXXX  XXXX XXXX {$9400.00} XXXX XXXX XXXX XXXXXXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$1500.00} XXXX & XXXX XXXX {$260.00} XXXX XXXX XXXXXXXX XXXX {$170.00} XXXX XXXX XXXX XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXX {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report and seen BMW FIN SVC had reported 60 days late on my credit report which is misleading false information. They reported negative and defaming information beginning XX/XX/2016 on my credit report. I sent a letter to the company to update those late payements and i didnt get no reply back. They never supplied sufficient information to me in order to validate the late payment. I do not agree with their actions. I have challenged the accuracy and integrity of the information, because they are reporting different things across all three credit bureaus. 12 cfr 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) state that data furnishers Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 
12CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. 
Account name : US DEPT OF EDUCATION # XXXX  You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? 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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen last year, I noticed that there were many accounts open throughout last year that I did not open, I disputed everything with Experian and XXXX  and they keep denying my dispute stating it is accurate when it is not at all accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX   TransUnion reported back inaccurate info ( XXXX XXXX XXXX XXXX ) of 30+ Days Late. XXXX has already made the correction on their end however TransUnion customer rep claims they were never sent appropriate documentation from XXXX. Reporting inaccurate information is a violation of the FCRA under section 623 ( a ). To avoid a civil rights lawsuit, I am requesting TranUnion to remove these late payments from within my credit reports, and to list this trade-line as paid as agreed and/or never late later than five business days or if not I will not hesitate to seek legal action against you.
Product: Student loan

Per DOE guidelines, interest was not supposed to capitalize for XXXX months after the payment freeze ended. I graduated during the payment freeze and was never out of forbearance. My interest capitalized on all loans and is currently accruing additional interest. I requested information about this from EdFinancial via email and did not receive a response. I contacted them several times via phone and was told I would receive a callback, then never did. I have so far been unable to reach the company for an explanation of why I'm being charged interest on a balance that should not include accrued interest yet.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and my personal information was compromised in the Equifax data breach. As a result, the following fraudulent accounts and public records have been erroneously reported on my credit profile. The continued reporting of false and unverifiable information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

These unauthorized names and addresses must be removed from my credit report immediately. Failure to do so violates FCRA 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain accurate and fair reporting.

In accordance with FCRA Section 611 and FDCPA Section 809, I demand the following : Debt Validation : Provide original signed agreements and complete account statements proving your right to collect these debts.

Verification of Reporting Accuracy : Provide records confirming the accuracy and authorization of these debts and public records.

Immediate Removal of Inaccurate Information : If you can not validate these accounts and the bankruptcy, they must be removed from my report immediately.

Cease Reporting and Collection Activities : Further collection or reporting on unvalidated accounts will be treated as willful violations of the FCRA and FDCPA.
Product: Money transfer, virtual currency, or money service

I initiated a wire online for XXXX. The account had around XXXX in it at the time so I transferred XXXX into the account prior to doing the wire online to have enough to do the wire. The wire was done at XXXX Arizona XXXX on XX/XX/XXXX, XXXX  so the wire was going to process on XXXX, XX/XX/XXXX. The wire ended up being process on XXXX, XX/XX/XXXX and it was processed twice for a total of XXXX transactions in the amount XXXX each. When I reached out to chase bank, they said I did the wire XXXX times which is impossible because I did not have XXXX in my account to do it XXXX times. The activity on the online profile shows I only did the wire XXXX times but was taken out XXXX times. They said they had to recall the wire and I would possibly get less money back because of fees and I would have to wait a minimum of XXXX  days and have to get approval from the recipient. I did not iniate the wire XXXX times. It was a mistake on chases end and I have to suffer the consequences. I needed that money to pay for payroll for my employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have double-checked my report and still see these inquiries appearing that I am not aware of where they came from. Listed below are the inquiries ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I Request these items to be deleted from my report ASAP.
Product: Debt collection

I a natural person was issued a false debt that was placed on my credit report. I contested this false accusation with JPMorgan Chase and they sent documents which I have uploaded alongside this complaint with false validations of said debt. This is a clear violation of my rights under Title 15 US Code Chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT. Enclosed I have attached a document detailing what is transpiring due to this false accusation of said debt.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, and I am submitting this complaint/dispute without error or any influence from any third-party agency. Please see the following attached documentation below and meet my requests as soon as possible. Thank you for your timely compliance!
Product: Credit reporting or other personal consumer reports

My friend XXXX XXXX added me as an authorized user to his account. My credit was frozen indefinitely with XXXX, TransUnion, and XXXX. Yet you reported a hard inquiry and debt for an account that was not mine and ruined my credit score. This information was incorrect and needs to be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi submitted a triple diverse accounting statement in the same month for my credit card. They failed to respond or to solve their derelict accounting, which destroyed my confidence in their actuarial system. Subsequently, I received threatening form letters, similar to a collection agency 's, which in the course of events were substituted by form letters insinuating that I was impoverished and could go on a payment plan of their devising. They continued by assessing ( exorbitant ) late fees. In the course of time I discovered that they had badly damaged my credit rating -- without an explanation to myself or the credit card charge recipient. 

I have since written to XXXX and XXXX XXXX  agencies, complaining of Citibank 's high-handed tactics and irresponsible errors. In the interim, Citibank has failed to phone me to discuss the matter of their negligence. Given their behavior, I am ready to file suit to finally get their attention. 

Their example is egregious.
Product: Debt collection

Subject : Complaint against Pressler Felt & Warshaw LLP for Harassment, Threats, and Failure to Provide Proof of Debt I am writing to file a formal complaint against Pressler Felt & Warshaw LLP regarding their unlawful and harassing debt collection practices. Over the last 6 to 8 months, I have been subjected to continuous harassment, threats, and improper actions that have caused significant distress and financial harm. Below are the details of my complaint : Initial Contact and Request for Proof of Debt : When Pressler Felt & Warshaw LLP first contacted me, I requested proof that I owed the debt they were attempting to collect. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request proof of a debt. However, instead of providing any documentation verifying my obligation, they repeatedly pressured me to pay the alleged debt, while threatening wage garnishment. 

Failure to Provide Required Documentation : Despite my clear request for proof of debt, Pressler Felt & Warshaw LLP sent me a bill that included charges I did not recognize or make. I asked for specific documentation, including a signed agreement or contract showing my authorization to pay this debt to a company I had no relationship with. Instead of providing the requested proof, they sent me another threatening letter stating that they would proceed with garnishing my wages.

Threats and Wage Garnishment : Instead of complying with my request for proof of the debt, Pressler Felt & Warshaw LLP proceeded to have a judge approve the garnishment of my wages. I was never provided with any of the required documentation to verify the debt, nor was I given the opportunity to dispute the claim appropriately. 

Violation of FDCPA : I believe that Pressler Felt & Warshaw LLP has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), which requires debt collectors to provide verification of the debt within 30 days of the initial contact. Their failure to provide this verification and continued harassment constitutes a breach of the law.

As a result of their actions, I am requesting the following : A full investigation into Pressler Felt & Warshaw LLP 's debt collection practices.

Immediate cessation of any further wage garnishment or collection actions until they provide valid proof of the debt. 
Compensation for any damages caused by the unlawful garnishment and harassment. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes about unauthorized accounts, Personal information errors, and fraudulent activity opened on my credit report without my knowledge. My information was compromised during Credit Breaches. My information has been handled improperly. The inquires, collection, and personal information needs to be immediately removed. In accordance to fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681 ; XXXX XXXX XXXX XXXX Na XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of EDXXXX XXXX Dept . of ED/ XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total loss paid Personal Name reported XXXXXXXX XXXX-error XXXXXXXX XXXX-error XXXX XXXXXXXX All reports XXXX XXXX XXXX XXXX- XXXX Addresses Reported XXXX XXXX XXXX XXXX Ohio XXXX needs removed XXXX XXXX XXXX XXXX Ohio XXXX needs removed