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

Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 

Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Items Highly Requested The persons name they verified the dispute with The documentation original contracts used to validate the dispute. 
Also the procedures your company has in place to ensure each account is 100 % correct which i doubt.. 

IF YOU CAN'T PROVE IT YOU MUST REMOVE IT OR PAY XXXX per VIOLATION YOU ARE COMMITTING. 

In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures 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. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance 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, and pursue legal action.
Product: Debt collection

A man from their corporate office has called me repeatedly and has now escalated to yelling at me on the phone. he was very rude to the point of me hanging up on him
Product: Debt collection

My Identity was stolen I was told a credit card from XXXX XXXX was used under my informations ai went to the court house in XXXX nj to tell about the problem now I find out that I am in garnishement. The company is taking {$300.00} in my paycheck. I never used this credit card
Product: Credit reporting or other personal consumer reports

Dispute of False Closed Accounts on Credit Report Due to Identity Theft Dear CFPB, I am writing to formally dispute the inclusion of several false closed accounts on my credit report. These accounts are inaccurate and result from identity theft, which I have been a victim of since 1998. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have no knowledge of these accounts, and their presence on my credit report is causing significant harm to my creditworthiness and financial reputation. I strongly suspect these inaccuracies are linked to the ongoing identity theft issues I have faced over the years. 
I request your immediate intervention to investigate these false accounts and ensure their removal from my credit report. Additionally, I urge you to work with Experian and the relevant financial institutions to rectify these errors and implement stronger protections to prevent further misuse of my personal information. 
If these inaccuracies are not resolved promptly, I will consider pursuing legal action to enforce my rights under the Fair Credit Reporting Act. 
Thank you for your attention to this urgent matter. I look forward to your prompt response confirming the removal of these disputed accounts from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Experian Consumer Dispute Center po box XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Dear XXXX, The CRAs have a grave responsibility to ensure the accuracy and fairness of my consumer report. Despite multiple dispute attempts the CRA 's continue to incorrectly report inaccurate and misleading information to my consumer report, specifically the listed charged-off account XXXX XXXX XXXX XXXX # XXXX. The account was CLOSED XX/XX/XXXX and is actively reporting " last activity '' of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

This information is in direct violation of the Fair Credit Reporting Act ( FCRA ) and is adversely affecting my credit profile. The continued reporting of this account as charged off with a remaining balance is not only inaccurate but also misleading. The Internal Revenue Service ( IRS ) clearly defines a charged-off account as one with no remaining balance, in addition too, becoming TAXABLE INCOME to the consumer. To which I have never received any 1099C. The CRA 's action in reporting this account with a balance constitutes a violation of the FCRA by providing false, misleading, and unverifiable information. 

Furthermore, the inclusion of these accounts on my credit report without my explicit consent is a clear violation of my privacy rights. The FCRA mandates that consumer reporting agencies, such as ( XXXX, Experian, XXXX ) have a duty to protect consumer information and ensure its accuracy. The CRAs actions in this matter represent a blatant disregard for these regulations. By reporting inaccurate and misleading information about me, the CRA 's have caused significant harm to my credit standing, limiting my access to credit and financial opportunities. This is a direct result of their ( XXXX, Experian, XXXX ) negligence and failure to adhere to the FCRA. I demand the immediate deletion of the aforementioned charged-off account from my credit report. 

Additionally, I reserve the right to pursue all available legal remedies, including but not limited to monetary damages, for the harm caused by the CRAs violations of the FCRA. I have attached a copy of my credit report for your reference. I expect a timely response to this dispute, including written confirmation of the accounts deletion from my credit report. Thank you for your prompt attention to this matter. 

Best Regards, XXXX XXXX UCC 1-308 ALL RIGHTS RESERVED
Product: Credit reporting or other personal consumer reports

I was completely taken aback when I noticed erroneous accounts on my credit report tonight, and I cant understand why this happened. I routinely check my credit report, but this time, there were unexpected errors. I even tried refreshing the page, thinking it might be a browser glitch, but the incorrect accounts didnt go away. Due to this issue, Im pleading for a thorough review of the documents Ive sent so that I can avoid this stress in the future.
Product: Debt collection

Upon reading an article from CFPB I was affected by Navy federal  XXXX. 
Illegally froze members access to their accounts : Misrepresented credit consequences of falling behind on a loan : Falsely threatened legal action and wage garnishment : They are guilty for committing all three to me. 
Every year navy federal adds dollar amounts to my loan and recent debit account that was closed unwantingly. Its been XXXX and they are committing fraud by keeping loan active by paying a dollar to keep active every year. 
This is a defamation of my character and violates my rights. 

I have also filed a FTC report off fraud due to this XXXX.
Product: Debt collection

collection agency refusal to provide validation of debt as requested. 
provider contracted to accept insurance as full payment. Not willing to wait for payment from state insurance provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THE ACCOUNT AS FRAUDULENT AND I MAILED ALL DOCUMENTS TO EXPERIAN, AND THE ACCOUNT IS NOT MINE I NEVER HAD XXXX SERVICE, AND I AM ASKING FOR IMMEDIATE DELETION OF THIS ACCOUNT XXXX  XXXX XXXX PARTIAL ACCOUNT # XXXX BALANCE {$2400.00}
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the documents? Several of the mentioned accounts contain inaccuracies, causing me discomfort.
Product: Money transfer, virtual currency, or money service

I ordered items from walmart.com a total of XXXX I never received the items and XXXX told me to dispute with my bank and they will refund my money. CASH APP never disputed my claim with XXXX they just denied my claim and when I asked for them to send me the documents on why it was denied the only thing they sent was a copy of my transaction with XXXX. I have tried to get this resolved but they keep saying the decision is final with no explanation. I contacted XXXX again and they said that my bank never submitted anything to them.
Product: Credit reporting or other personal consumer reports

Trying to access TransUnion to unlock the freeze on my credit- worked fine a month or so ago, when I try to logon today, using different browsers etc - am being told my account is locked and that I need to try again later. 

This continues to error out - tried to reset my password - using my my SSN and still not able to get account unlocked or enabled long enough for me to submit a removal of the credit freeze, Am seeing online this is an ongoing issue and TRANSUNION are very slow or not bothered to address.
Product: Mortgage

Lost our house because Nationstar forced us to insure our home for XXXX ( only worth XXXX ) because it was over XXXX square feet. On top of that we are in a flood plain and had to purchase matching flood insurance. our payment went from a comfortable XXXX to almost XXXX per month. This was our home. We were proud of it and had to make a very difficult decision to walk away because after after 4 years of paying the high payment we were drowning and no one from Nationstar was willing to help. I 'm sad to drive by and see that the house has been sitting empty for almost three years. Would n't it have been wiser to work with us oon making it affordable. They tried to auction it off and could n't even get any buyers. It breaks my heart everyday cause our memories are there and we miss it. Now it just sits empty falling apart unsellable.
Product: Checking or savings account

On XX/XX/2022 a payment was taken out of my bank account in the amount of {$410.00} I contacted my bank CHIME who informed me that it isnt nothing they can do about this. But I could put in a stopped payment for this company. Between XXXX XXXX XXXX 2022 a stopped payment was put in by speaking with a XXXX with CHIME via chat. XX/XX/2022 CHIME allowed the same company that I put in a stopped payment for to still withdraw from my account in the amount of {$120.00}. I have contacted CHIME XX/XX/XXXX and disputed the transactions. At that time a XXXX stated he would put a stop payment for this company, I informed the rep to NOT do that UNTIL someone could inform me what happened with the last stopped payment I submitted.
Product: Credit card or prepaid card

I have a credit card account with USBank due on XX/XX/XXXX, On the due date I paid the account online ( see attached confirmation of the payment ) but USBank posted the payment the following day XX/XX/XXXX and accessed a {$29.00} late fee which I thought was outrageous, I send an email on XX/XX/XXXX and ask why I got accessed a late fee where I paid the account on the due date, I was told the payment was late I called the customer service again the following day asking for an explanation and I was told that the reason I was late is because the payment was made on XX/XX/XXXX at XXXX XXXX and the cut off time is XXXX CST. This is so unfair and unacceptable, If the due date is XX/XX/XXXX, the payment should be good up to XXXX XXXX. I have requested for a refund but USBank refused. This practice is outrageous, unacceptable and unfair This late payment will be reported to the credit reporting agency and will affect my credit, this payment was not late
Product: Debt collection

I changed my XXXX phone plan to a military plan and 6 months later, I received a bill that said I owed {$940.00}. When I paid my new plan I received a new phone. I was told all charges were taken care of and there was no additional charge by the sales person. I gave them my phone and received another one. Now, XXXX XXXX XXXX is threatening to ruin my credit. I have always paid my bill by automatic deduction and have never been late. I asked them to provide a copy of the contract and show me where I am in violation of the terms and why I was penalized. She was unable to provide. She checked the e-signature and said I never signed it. 

This is totally wrong ... I was told there was no additional charges as long as I received a new phone from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Credit card or prepaid card

I didn't know I could submit a complaint, but I have had a couple of credit cards close in the past through JPM Chase ( one being a Chase Sapphire and the other an Amazon credit card via Chase ). This was between XXXX, but I would call and not receive an answer as to why my account was being closed, even with working for a bank, having a great credit score, and paying my bills in full on time ( no late pmts ). I was even instructed to send them a fax to their compliance dept, but they refused to provide me any information as to why my accounts were closed and stated they were in their right to close my account. 

All I want is an answer to why my name is being prevented from banking with one of the largest banks in the country without explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that I did not apply for or authorize. 

The only inquiry that is valid is XXXX  XXXX for my car lease. 

Please remove all other hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my Consumer Reports and noticed that this XXXX XXXX XXXX account starting with XXXX is not mine and inaccurate. I have tried several times trying to resolve the issue with dispute letters to no resolution. 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy and that is not the case here with the attached account. 

There are several sections on my report that are inaccurate which I have circled on the attached photos that I pulled from two separate companies and both of which are inaccurate. I think they are attempting to keep this in on my report as long as they can and it is preventing me from purchasing a home for my family. 

Please investigate and provide Proof that these reports are accurate but if proof can not be provided, I demand that this account is removed from my consumer report. 

Thank you!
Product: Credit reporting or other personal consumer reports

Identity theft. A company I was contracted with ( signed contract by all parties available ) used my personal information to obtain loans and then defaulted on said loans. The signed contract specifically stated the XXXX XXXX XXXX will be liable for all money raised and used for commercial real estate investing purposes. I raised over {$85000.00} for commercial real estate investing and provided that money to the company for investing purposes. Investments were never made and the money was used fraudulently. they breached the contract and for that reason I am suing them in the XXXX XXXX, XXXX XXXX XXXX Please see the lawsuit petition attached to confirm the lawsuit exists. Because of the theft of MY personal information to obtain funds fraudulently, I have requested the credit reporting agencies block all negative accounts listed on each of the 3 credit reporting agencies records. I formally requested this action take place per the FCRA in XXXX XXXX XXXX  and have the proof of delivery of documents from the USPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Experian. These documents are attached to this complaint. XXXX, XXXX and Experian have not followed the laws that are in place to protect consumers and I am requesting assistance in enforcement of these laws. My credit was profoundly damaged because the ID theft and fraud from the contract breach of which I am suing for. I expect the laws to be followed and all negative items listed in the letters sent to the CRA 's on XX/XX/XXXX be deleted within the 4 days the law allows.
Product: Debt collection

I took a XXXX like in which i have 2 mobile. 1 for my wife and 1 for me. We paid the bill in full and all the devices are unlocked and i have a written email confirmation saying that my devices are unlocked. All this happened in 2019. After couple of years i started calls saying that i my XXXX file is sent to collections and i tried to tell them that is not the case but still they are asking me to settle saying that i didn't pay for devices. My XXXX XXXX account is monthly paid account and if i didn't pay a single month bill they should have stopped my services but they reached out to years after i moved to a different carrier saying that i owe XXXX $
Product: Credit card

on XXXX 2016, I use XXXX credit card under paypal to pay for transaction {$20.00}. Paypal charged me {$20.00} for that transaction also XXXX credit card charged {$20.00} for the same transaction. I call paypal to dispute and they refused to refund me.
Product: Bank account or service

I Have A Paypal Account And I Have Had It Every Sense 2014 And I sold an item around XX/XX/XXXX On Ebay and I Sent A Invoice And When I Went to my Paypal Account To See If The Buyer Had Paid There Was A Message Say You Account Has Limitations For An Unauthorized Transactions So I Contacted PayPal And Talk With Several People They Was No Help Some Of Them Had Nasty Attitudes And Was No Help So I Want You 'll To Investigate This Matter Because I 'm Getting The Run Around And It 's Not Fair
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : - I have faithfully paid my suntrust credit over the last year and several months. During a regular check of my credit report, I noticed that they had reported my account 30 + 60 days late. I had attempted multiple payments over the period that they reported me late, and each one of the payments was reversed. ( I have documentation of this ). XXXX  Payment for {$3000.00} reversed by Suntrust XXXX Payment made by me for {$2400.00} XXXX Payment for {$2400.00} reversed by Suntrust XX/XX/22 Payment for {$5000.00} made by me XX/XX/22 Payment for {$5000.00} made by me XX/XX/22 Payment for {$5000.00} reversed by Suntrust XX/XX/22 Payment for {$5000.00} reversed by Suntrust - I visited multiple branches to speak with branch managers to rectify the issue, and was assured that once I brought my account current the reporting would be rectified. Since they were reversing my online payments, I went to my bank immediately and obtained a cashiers check to bring my account current. Once I did this, I was informed that there was nothing they could do to bring my account current. 
- I had multiple, very lengthy calls with the credit department and each time was told they would not be changing the status on my credit reports despite all the evidence of payments made and then reversed by suntrust. 
- I submitted a letter & documentation to all 3 credit bureaus documenting the above facts, and no changes have been made.

I am happy to submit additional documentation and would just like the inaccurate reporting to be corrected with the credit bureaus.
Product: Checking or savings account

This Complaint is against Wells Fargo, their way of doing business, and their mismanagement of customers monies in which they have been trusted with. This complaint will have specific focus on two fraudulent transactions in which Wells Fargo allowed, which was after XXXX replaced {$4000.00} on XX/XX/24. The {$4000.00} which replaced a {$3000.00} and {$1000.00} fraudulent transaction which they allowed. However, the total amount of fraudulent transactions allowed by XXXX is {$8800.00}. Specific details as follows : XX/XX/24 : Credit of {$4000.00} ( for ( XXXX ) fraudulent transactions ). Recurring Payment authorized on XX/XX/24 .Afterpay {$12.00} ( this was fraudulent and I did not authorize, and this needs to be replaced ). 

XX/XX/24 : XXXX authorized on XX/XX/24 to XXXX XXXX XXXX  ( I did not authorize this. I do no business with XXXX XXXX XXXX, and this needs to be replaced by XXXX. {$44.00}. )
Product: Checking or savings account

We had fraud checks in our US Bank account XXXX since XX/XX/23 till we found out in XXXX. We started the claim process then and it's been 3 months we still haven't received the amount of total XXXX  XXXX they're suppose to refund us. When can we receive the fund?
Product: Debt collection

To Whom it May Concern : This is the second time I have had to report XXXX XXXX XXXX XXXX. I previously contested a fraudulent account made under my name, providing documentation that I was living out of the country at the time a card was opened in my name in the United States. XXXX XXXX XXXX continues to harrass me even after I disputed the account. I then filed a claim with your department and the claim was dismissed. At the same time they began sending me letters and calling me about an account from capital one. I also called them, and on at least three occasions requested the phone calls be recorded, and then asked them to send statements of the capitol one account to verify these were charges I made. They have failed over the last few months to provide proof, where the burden of proof that this account was mine has still not been fulfilled. They then sent me a letter of pre-legal notice saying to respond by XX/XX/XXXX. 
As previously stated I have asked for documentation from XXXX XXXX for several months, providing details of the capital one account. I am challenging their threatening practice as well as their right to sure when the have refused to provide me information before disputing the account. This account is stated to have been charged off in XX/XX/XXXX, during which I was also out of the country. I have already provided copies of my work XXXX from XXXX showing I was residing there from XXXX onwards. 
XXXX XXXX practices are unethical and I am requesting this matter be addressed.