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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX Owed : {$17000.00} Late/Closed XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX COMMUNICATIONS ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$210.00} Collection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$580.00} Collection XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$97.00} Collection Inquiries in Dispute : XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Debt collection

This company continues to call my place of employment a few times a week after they have been told I can not accept personal calls at work.
Product: Debt collection

Capital One has already gotten paid twice for this debt that they are trying to sue me for.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C. 1681 ( A ) I have the right to 100 % accuracy on my credit report. 
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

XXXXXXXX XXXX  account XXXX XXXXXXXX reported inaccurate information on my credit report, I HIGHLIGHTED all inaccurate information on the report. 

15 U.S Code 1681 s- 2 - responsibilities of furnishers of information to consumer reporting agencies section ( 1 ) ( a ) states : A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASON TO BELIEVE THAT THE INFORMATION IS INACCURATE.
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 {$1100.00}.

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 ) -- CLOSED ACCOUNT 1. XXXXXXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$1100.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Class Action Lawsuit against Santander USA during this time against the Fair Credit Report Act ( FCRA ) violations or Fair Debt Collection Practices Act ( FDCPA ) violations. 

Negative remarks are crippling my score from a XXXX+ to a XXXX when pulled for a new auto loan. 

Only negative remark on my score. Account has been closed for over 5 years. 

This is crippling in today 's society. 

Acct : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE COMPANIES HAVE BEEN REPORTING WRONG INFORMATION ON MY CREDIT FILE.
Product: Credit card

RE : Adverse Action Dear American Express I, the consumer and natural person, was denied credit by American Express when I applied for a credit card Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by American Express due to the response I received.

American Express is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express American Express gold and platinum ( XXXX XXXX & XXXX XXXX Sports ) If American Express fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make American Express criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o.

I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 
Thank you, XXXX : XXXX XXXX XXXX Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

A company by the name of Credit Management LP has called and harassed me viciously regarding a debt they claim I owe to XXXX XXXX. Now they are sending letters to my home claiming I owe {$91.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

For three years Ive disputed XXXX XXXX invalid late payment history on my credit report. No matter the numeorus amounts of evidence and disputes Transunion and XXXX have allowed it to stay. In XX/XX/XXXX-XX/XX/XXXX I paid off my balance and made all Payments to XXXX XXXX. A few days after thy added almost {$900.00} if interest. I was told that if I made the amount of payments they stated in the agreement no interest would be added. I did this but it was still added. A few months later I received a form about people being misinformed and to dispute it. I mailed the form off and for several months called asking about the form and issue. Each time they pretended to have no knowledge of the issue. This continued until fall of XX/XX/XXXX when I requested every bill so that I can get the Attorney General involved. I received a letter stating as a courtesy they are removing the interest. Yet I still have 30 day late delinquencies reporting for their fraudulent interest scam.
Product: Credit reporting

I traded my car in on the XXXX the company that we bought our other car from said they mailed the payoff in time. There is a negative balance for that account on my credit report. when I called the finance company they wanted me to pay. They said it was a late charge with fees. Yet the car company told me that they sent it off in time and they did their research and that it was there before the next due date. So it is showing as I owe them XXXX dollars on my report and yet when I call them they say I owe them XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting an account under my social security number which they claim was charged off. I have sent letters via certified mail to the company Formally disputing the debt and asking them to verify and send me proof the debt is mine. I received no proof. The only thing I received was a paper from them asking me to fill it out with information to help them find and locate the account in question. According to the fair credit reporting act the burden of proof is on the creditor and not the consumer. Furthermore, the information they requested was already included in the original letters sent via certified mail. Per FCRA, The Creditor must report the account as formally disputed to the three major credit bureaus within 30 calendar days. I have time stamped credit reports showing they did not report the account as disputed. I asked the company to delete and remove the information they were reporting and received nothing but the same letter asking me to help them find the account they were reporting. There are major federal laws that were broken and infringement on my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX bankruptcy XXXX Filed Date : XX/XX/XXXX Reference Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by XXXX XXXX XXXX XXXX, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and XXXX XXXX with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of XXXX. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor.

Date of Last Activity.

Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company XXXX XXXX XXXXXXXX XXXX XXXX XXXX MIDLAND CREDIT MANAGEM and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )
Product: Mortgage

at the beginning of the pandemic, I contacted the bank JUST TO INQUIRE about the forbearance program. I DID NOT REQUEST TO PARTICIPATE. My mortgage was set on auto pay and I had no issue making my payments. Suddenly without warning my mortgage payments stopped being drawn from my account. I tried to find out why this was happening and came to find out that they had placed my account in forbearance. I tried without success to get the bank to resolve the issue as I was then having to send my payments by check. Statements were all screwed up and I'm certain that payments I made were not being credited properly or at all, not to mention having additional interest and principal backloaded on my account because of the forbearance that I DID NOT REQUEST. None of it made any sense and it took me over a year to get this resolved with the aid of an attorney. However, I am not satisfied that this was corrected properly and all I know is that the forbearance was removed. Now since my mortgage is variable, I will now have to pay a higher rate of interest for payments not credited or added to the back of the loan.
Product: Debt collection

Franklin Collection is trying to collect a debt that originated from XXXX XXXX XXXX that was fully paid. I have no contract with Franklin Collection and therefore I owe Franklin Collection no sums of {$630.00} that Franklin Collection is attempting to try to collect of the behalf of XXXX XXXX XXXX. Please send me any contract with my signature and verification of the debt said to be owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified the companies such as : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX of the fraudulent activity. they refuse to remove the inaccuracies insisting that they are accurate. In fact and by law they are not accurate and are illegally using my information without my written consent.
Product: Checking or savings account

Someone stole a check that I wrote and altered the payee and the amount. He/She either cashed it or deposited it into his/her Bank of America account XXXX Even though the check has very obviously and clearly been altered, Bank of America cashed it. My bank is trying to get the original check and funds back from Bank of America. It has been 6 months and this case hasn't been resolved.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit reports from XXXX, XXXX, and Experian and have identified numerous inaccuracies that require immediate rectification. These inaccuracies include but are not limited to : Incorrect account information, such as accounts that have been inaccurately reported. 
Outdated or obsolete information that should have been removed from my credit reports. 
Inaccurate payment history and account statuses that do not reflect my actual financial history. 

I believe these inaccuracies violate the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e and 1681i, which require credit reporting agencies to maintain accurate and up-to-date information and provide procedures for consumers to dispute inaccuracies in their credit reports. According to the FCRA, credit reporting agencies are required to conduct a reasonable investigation into a consumer 's dispute within 30 days of receiving the dispute notice.
Product: Debt collection

I took out a loan with the company Affirm to make a purchase with another company XXXX I disputed the purchase with XXXX and Affirm. After going back in forth and providing evidence to Affirm that XXXX  was in the wrong Affirm sided with XXXX In the process of the dispute Affirm advised me not to except the product from XXXX while we were going through the dispute. I was told on XX/XX/2022 that I was responsible for the loan and I must pay Affirm even though I don't have the product. When I spoke to a supervisor I told him that one of his own representative advised me not to take the product yet they sided with the merchant and expect me to pay a debt to their company without the product. The supervisor later said he would listen to audio proving this to be true about an hour later I was sent an email saying this will be escalated. However my credit is being affected. Affirm expects me to pay them even though I don't have the product. I asked Affirm how to they expect to pay for something that I don't have.
Product: Debt collection

The company emailed me about a collection that I do not owe. In XXXX of 2017 I paid the company before it even went to collections. They havent been sending me anything up until now. Which I do not owe them anything. The company was supposed to delete from account but obviously they did not. They were suppose to document the account but I guess they didnt do that either. I asked them to validate the account which they did not they only sent something for a payment. On XXXX  of my credit report it does show paid.
Product: Checking or savings account

Subject : Request for Funds Reinstatement Under Regulation E XXXX XXXX XX/XX/year> Wells Fargo Bank Dear Wells Fargo Customer Service Team, I am writing to request the reinstatement of funds into my account in accordance with Regulation E. On XX/XX/XXXX until XX/XX/XXXX, {$6200.00} was debited from my account without my authorization. This transaction appears to be an error or fraudulent activity, and I am requesting that the funds be promptly returned to my account. I have already filed a claim and got denied ( Claim number : XXXX ) Under Regulation E I must be reimbursed. 
Details of the unauthorized transaction : * Date of Transaction : XX/XX/XXXX - XX/XX/XXXX * Transaction Amount : {$6200.00} * Description of Transaction : It appears to be ATM withdrawals, store and restaurant charges. 
I have already contacted the merchant/service provider regarding this unauthorized transaction and have not received a satisfactory resolution. As per Regulation E, I am entitled to prompt resolution of this matter and the restoration of funds to my account.

Please investigate this matter promptly and provide me with an update on the status of my request. I have also already spoken to your fraud team around a month or two ago and have not gotten a satisfactory resolution.

Thank you for your attention to this matter. I expect a timely resolution and the reinstatement of funds into my account as soon as possible. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I received a check from Consumer Financial Protection Bureau in the amount of {$770.00} ( Tracking # XXXX ) and deposited it by way of mobile deposit into my USAA checking account. The check was accepted for deposit and funds were made available to me, as I expected. On XX/XX/2021 I logged into my USAA account to see a balance of negative {$770.00}. USAA returned the check I deposited and told me that " XXXX XXXX was not a business ''. I explained to several USAA members that XXXX XXXX is the business involved with the lawsuit payments not the company issuing the check. I was told to " Refer to Maker '', at which time I called the Payment Administrator at CFPB and explained what is happening. I was informed by the administrator that USAA received payment for the check on the XXXX of XXXX, XXXX. 
I have not heard from USAA OR CFPB regarding this. As of today my account is in overdraft for the check issued by Consumer Financial Protection. 
The irony of this is that CFPB is supposed to help consumers against issues like this, however, I called on XX/XX/2021 and was told someone would be reviewing my issue.
Product: Credit reporting or other personal consumer reports

I sold my car few months ago to a dealership and they sent the check for payoff to WellsFargo, but the bank didnt process the check on time and marked it as late payment and few days after closed the loan