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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To whom it may concern I saw your company furnishing a negative account onto my consumer report. I am requesting validation of this alleged debt pursuant to 15 U.S. Code 1692 ( g ) Provide me with following information 1. The amount of the debt 2. The name and address of the original creditor 3. Proof that your company sent me a statement assuming the debt to be valid ( with proof of tracking information ) 4. I was never notified with the following statement to dispute this debt within 30 days so the 30 days is starting now.

Collection activities shall cease immediately pursuant to 15 U.S.

Code 1692 ( g ) THIS ALSO GOES FOR THE FOLLOWING CREDIT REPORTING AGENCIES : Equifax XXXX 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 SENT THESE CRA 'S DISPUTE LETTERS VIA CERTITIED MAIL ASKING THEM TO PROPERLY INVESTIGATE AND VERIFY THAT THIS ACCOUNT BELONGS TO ME. THEY HAVE FAILED TO DO SO. I HAVENT RECEIVED ANYTHING I ASKED FOR IN MY DEBT VALIDATION LETTER. 

I HAVE ALSO SENT THESE CRA 'S A SIGNED AND SEALED AFFIDAVIT OF TRUTH ( SEE ATTACHMENTS ). THEY HAVE FAILED TO RESPOND TO MY AFFIDAVIT OF TRUTH WITH ANOTHER IN RETURN. 

I HAVE UPLOADED MY POLICE REPORTING PROVING THAT MY IDENTITY WAS STOLEN AND USED. 

I HAVE NO KNOWLEDGE OF THIS ACCOUNT! 

THE SSN ON THIS ACCOUNT DOES NOT MATCH MY SSN!
Product: Credit card or prepaid card

Hi, I had a problem with a XXXX manufacturer, they did my product wrong and they just sent it to me like they did it, which it was metal earrings but they were damaged in the process of making them, some of them are missing metal, some of them are bent completely and most of them which are 200 earrings the metal is raised so i cant sell them like that or its going to cut people. All of 200 earrings are damaged, there is not one that is not damaged. 
I worked with other XXXX manufacturers and i know their policies, when you get a damaged product they are supposed to either re make it or refund you your money back, that didn't happened. 
I begged the person i was working with and she will ghost me and refuse to re do the product again, also refuse re funding me my money back. I initially paid the product up front with paypal on XX/XX/XXXX last year. I paid {$410.00} with paypal. 
I received the product late XXXX which it was supposed to be done on XXXX and after I received it I sent pictures of the damaged product to the manufacturer, spend several months trying to get my money back and trying to work with them to re do my earrings if they were not going to refund my money, but it was a waste of time because they didn't respond to my messages and emails. So I called wells fargo to open a dispute and I talked to the representative and she took notes, I told her i have evidence and pictures of the damage product. She told me they are going to resolve the issue and get my money back and they sent the report to the fraud department. They didn't contacted me back on the phone, they just sent me a letter saying that they cant do anything about it because the charge was through pay pal, and that's it. My bank wells fargo didn't help me at all. 
Please help me I know {$410.00} is not a lot of money to some people but it is to me. 
Thank you
Product: Credit reporting or other personal consumer reports

I have no knowledge of the following inquires and accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THIS IS IDENITY THEFT!!! PER 15 USC 1681Q YOU MUST HAVE WRITTEN INSTRUSCTION TO REPORT THIS ACCOUNT LIST BELOW. IM DEMANDING YOU PROVIDE ME MY WRITTEN SIGNATURE WHERE I GAVE YOU PERMISSION TO REPORT TO MY CONSUMER REPORT TO SHARE MY PERSONAL INFORMATION. YOU RECIEVED MY INFORAMTION FROM A SECONDARY REPORTING AGENCY.
Product: Credit card or prepaid card

I contacted US Bank in XX/XX/XXXX in regards to fraud charges on my credit card. I told the representative that there was a a long list of fraud charges on this card. About 62. I listed them individually. However, as time passed, I got a few letters with refund for about a few of those charges and I have not heard from US Bank again since XX/XX/XXXX about the rest of the charges or any final resolutions.

In addition, they sent me a few new cards .... and they all seem to relate to this account. So now in addition to not being addressed properly about the fraud charges, I have in my possession several different credit cards and I do not know which one is which or which refers to this account where the fraud occurred. 

Attached is the list of fraud charged. I have been calling US Bank trying to resolve the issue with no resolution. This bank is truly the worst.
Product: Debt collection

Asked this company several times to send a letter to me. Started with first communication via phone call. Kept telling them I haven't received a letter which they must provide by law. They reported the debt to XXXX.
Product: Debt collection

I sent a direct dispute to   XXXX   and it was removed from my credit file. I also sen t one t o  XXXX  and was told it was removed but the company keeps adding it back.  XXXX  gave me your number so that i contact you and let you know that they keep readding the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name XXXX XXXX I have few inquiries that caught my attention This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account names XXXX - XXXX XXXX XXXX XXXX  XXXX - Date XXXX XXXXXXXX XXXX XXXX NA - Date XXXX XXXX Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft 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 not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. The fraudulent, inaccurate, and false information consists of the following personal accounts and collections appearing on my consumer FICO credit report : Account Name : XXXX XXXX Account Number : XXXX Current Balance : {$16000.00} Date Account Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Current Balance : {$10000.00} Date Account Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Current Balance : {$150.00} Date Account Opened : XX/XX/XXXX Account Name : XXXX XXXX  Account Number : XXXX Current Balance : {$2000.00} Date Account Opened : XX/XX/XXXX I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. These items were not opened, made, or initiated by me and are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # [ private case number ] as proof from the U.S. Federal Trade Commission confirming that all of the aforementioned consumer credit accounts, collections, and hard inquiries are fraudulent. Additionally, I have included a copy of my consumer FICO credit report maintained by you, highlighting the fraudulent items. Pursuant to FCRA 605B, I request that these fraudulent accounts, collections, and hard inquiries be blocked from my consumer credit report within 4 business days of receiving this complaint. Please confirm in writing that these items have been removed or provide a detailed explanation for any refusal to comply. If I do not receive a response within the required timeframe, I will escalate this matter accordingly. 
Thank you for your prompt attention to this urgent matter.
Product: Debt collection

The company Certegy did NOT contact me in any way about a problem with a check. They immediately turned it over to a collection agency. The money was in the bank for the check. It was a cashier error. The cashier had a problem pushing my check through the machine so he wrote void on my check, entered my information in the register & had me sign electronically. This was on XX/XX/XXXX. This was on a checking account I share with my mother. On XX/XX/XXXX I had a personal check denied at another store. When I called about it I was told I had a " returned check ". This was the check I wrote on the account I share with my mother. 
What caused the problem is this : the cashier entered my check number where my account number belongs & the account number where the check number belongs, therefore it did not recognize my account. 
IF I had been notified this could have been cleared up faster. I feel my credit and my mothers credit has been damaged by this going directly to a collection agency. 
Is this legal? Don't they have to notify people first? 
On XX/XX/XXXX I authorized XXXX  to withdraw the money to pay the check but as of XX/XX/XXXXthere was still a CLAIM showing. This is not right. 
Please help me.
Product: Credit reporting

I was advised in XXXX. XXXX by the IRS of identity theft after filing my XXXX return. I completed all the necessary and required steps and had my credit reports locked down by all XXXX agencies-I thought. I was advised by the IRS in XXXX of XXXX of of having my identity stolen again. I completed all the necessary steps. The IRS advised I apply for a pin number. I did but XXXX of the requirements was to submit a credit card and to do that I needed to have my locked down report at Equifax to be temporarily lifted. I was unable to lift it because it said it had not been locked down and my only choice was to lock it down, not a choice to lift it. I attempted in every way to talk to someone but I found it impossible to have a voice contact with Equifax. This is unacceptable. If these types of organizations want to have the responsibility of the " keeper of the keys '', they need to make themselves readily available to the consumer and not hide behind websites and phone trees. These types of organizations need to be held accountable for easy access by the public when needed.
Product: Credit reporting or other personal consumer reports

Dear EQUIFAX, I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXX XXXX and XXXX XXXX to your agency, Equifax, and I believe that this entry is inaccurate. The payment in question is identified as late, but I do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FCRA ) and related laws. 

Legal Basis for Dispute : Under 15 U.S. CXXXXe XXXXa ( XXXX ), the term consumer report does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and XXXX XXXX XXXX and XXXX XXXX regarding this account should not be included in my consumer credit report. 

Furthermore, 15 U.S. CXXXXe XXXXb prohibits a creditor from treating a payment as late unless they can show that the periodic statement was mailed or delivered to the consumer at least 21 days before the payment due date. This is an essential element for justifying any late payment reporting. 

Requested Documentation : In order for XXXX XXXX XXXX and XXXX XXXX to justify reporting this payment as late, they must provide proof of compliance with the following : XXXX. Proof of Compliance with 15 U.S. CXXXXe XXXX ( b ) : I request documentation showing that the periodic statement, containing all required information, was mailed or delivered to me at least XXXX days before the payment due date. 
XXXX. Detailed Documentation : Under 15 U.S. CXXXXe XXXX ( b ), specific information must be included in the periodic statement. Please provide documentation that proves the statement was issued in compliance with these requirements and was delivered within the legal timeframe. 

Notice of Requirements : In accordance with XXXX XXXX, you are required to provide me with the requested documentation within XXXX calendar days of receiving this notice. 
Please be advised that merely asserting the information is accurate is not sufficient. 
Without clear proof of compliance with the relevant provisions of the FCRA ( specifically 15 U.S. CXXXXe XXXXa ( XXXX ) ( A ) ( i ), XXXX, and XXXX ( b ) ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. 

Request for Action : If XXXX XXXX XXXX and XXXX XXXX can not provide the necessary proof of mailing or delivery of the required information, I request that this late payment be deleted from my credit report. Failure to do so will be considered a violation of 15 U.S. CXXXXe XXXX, which prohibits the reporting of inaccurate or unverifiable information. 

I respectfully request that you take the appropriate action to remove this inaccurate late payment entry from my credit report within XXXX calendar days of receiving this notice. 

Late Payment ( XXXX ) in Question : XXXX XXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter. I look forward to your response and confirmation that the disputed late payment entry has been removed.
Product: Checking or savings account

I deposited {$400.00} dollars in cash into my checking account using my debit card at a First Horizon ATM. The ATM malfunctioned and did not print a receipt or release my debt card. I went to the bank that following Monday and received my debit card, but I did not receive credit for the {$400.00} I deposited. I was told that there was no record of me depositing the funds ; however, the bank had possession of my debit card. I also asked to review the ATM security footage and was told that I was not allowed to see the recording. I made a dispute numerous times to no avail. I believe this ATM may be set up to keep cash deposits. There may be a scheme whereby the ATM freezes up when cash deposits of a certain amount are made. The ATM keeps the card and doesn't print a receipt. Then the card is returned and the customer is given the run around about the deposit.
Product: Debt collection

This company claims that I owe them a debt however when I sent them a debt validation and verification letter / form, they did not send me any of the requested documents that proves I owe violating the Fair Debt Collection Practices Act. Additionally, without verifying, they are reporting this information to consumer reporting agencies which violates the requirements of the Fair Credit Reporting Act.
Product: Debt collection

I called the company to dispute the validity of the debt and was advised by the representative that while it may take up to 90 days validate the debt, I could take advantage of the discount period in order to settle the debt. I advised that I received notices from two different companies and that was the reason I was in contact with this company. The attempting to collect occur twice before I was told they would send me something in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters were sent on XX/XX/XXXX to dispute hard inquires on my account for : DEPT OF ED XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have yet to receive a response back regarding the investigation. Tried calling on XX/XX/XXXX to check on the status of my dispute customer service rep not helpful and would not provide me with the credit files and sources to verify the inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been reporting inaccurate information to my credit reporting agency since XXXX of 2016. 

I have never had an account with this company. 

This company is stating that i owe them {$1900.00}, which i do not, this needs to be removed from my credit bureau, as soon as possible.
Product: Debt collection

On XXXX XXXX, XXXX somebody fraudulently created a medical bill of {$140.00} for I do not know what. Its almost impossible to see where the bill is coming from XXXX XXXX XXXX XXXX XXXXXXXX I did not make that charge during that time I was XXXX someone has stolen my identity. On XXXX XXXX XXXX it became Debt Recovery Solutions LLC.  For 8 months this debt has been owed and it is highly impacting my credit score of XXXX. I recently received a hard inquiry from XXXX XXXX credit card application mostly due to this fraudulent debt collection.
Product: Checking or savings account

For the last three days after updating my new address and phone number I can not use my debit card due to " Fraudulent activity " there is no fraudulent activity all I'm trying to do is spend my money I've talked to the bank three different days XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX had my account verify on the XX/XX/XXXX made the bank aware I would be spending a good amount of my money in my checking account before hand. The Bank reassured me that they were aware that I would be spending some money right after I got off the phone I would be buying supplies due to the pandemic and food which at this time I have not had any for a while a few hundred dollars worth of supplies and food they said yes do it we have it noted on your account, I then shop, buy, then check out to be accused of fraudulent activity by the bank via electronic transfer Today the XX/XX/XXXX I am told that they can't do anything about that fraudulent activity notice to just keep trying to use my card different places till it works and they would send me a new card within 10 days. This is a pandemic i don't have money I have XX/XX/XXXX of the XX/XX/XXXX I can not leave my home I'm in XXXX oh yeah and that I am XXXX with XXXX XX/XX/XXXX to where I can't even go out normally without assistance this is why I virtually bank Very unprofessional I've talked to over 12 people the last three days working for this Bank.they 're all aware that I will call them if there was any problem with my card because I have been calling them about my card to just all this to come about because I updated my address and phone number due to a move which is being displaced I have been displaced due to the pandemic so guess it's just unreal that they can not do something about this for 10 days they can't hurry up and get something to me knowing I have no food they just can't help me no more they can't do nothing for me.so this pink is going to let me go without food or supplies needed supplies I'm not talking about just supplies I am talking about I needed supplies due to being in quarantine that I can not get my own money out of their Bank with the debit card that I've had for a while from their Bank do to change my address 80 point news XXXX XXXX i d i can't give him a current ID because the DMV in California is not open to just anybody I have numbers from the DMV showing that I have been contact with them I have applied for an ID I was turned down on my appointment date at the California DMV due to social unrest in the pandemic to go back three more times to not be able to go inside the DMV I have a work ID that's not good enough for from the city of XXXX public library they act like a library card no it's a employee ID from the city of XXXX for the public library like I keep telling them which has my picture on it name on it. It works better than a California ID anywhere
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account numbers : XXXX XXXX XXXX
Product: Mortgage

In order to refinance my current mortgage, I have been asked to provide a copy of the HELOC Loan Agreement I have with Wells Fargo. I am not refinancing the HELCO, but keeping it open. Regardless it is a debt that I need to declare to refinance. I have repeatedly over several weeks asked by email and phone for Wells Fargo to provide a digital copy or to mail me a copy. Repeatedly they open cases and submit requests to get the paperwork sent to me and I have to date received nothing. I am now at the end of my rate lock period and this one document remains outstanding. I am extremely displeased with the lack of professionalism and incompetence within Wells Fargo that holds up sending out a document for a Loan which I am NOT looking to cover in the refinance. I have told them this. Regardless, that is my decision and whether Wells Fargo wants to retain my loan servicing or not they have no right to delay providing copies of the loan agreement. Regular monthly statements are posted on my customer page, why is this so hard for them to provide a simple document which I know they must have?