23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

DNF Associates has failed to validate an " alleged '' debt in the amount of {$2200.00}. 

According to the FDCPA, the validation information must include : ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information. ( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ). Official interpretation of 34 ( c ) ( 1 ) Debt collector communication disclosure. Show ( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( i ). Show ( ii ) The consumers name and mailing address. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( ii ). Show ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iii ). Show ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iv ). Show ( v ) The name of the creditor to whom the debt currently is owed. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( v ). Show ( vi ) The itemization date. ( vii ) The amount of the debt on the itemization date. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( vii ). Show ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( viii ). Show ( ix ) The current amount of the debt.
Product: Credit card

XXXX XXXXXX/XX/XXXXI am filing a complaint against Wells Fargo bank regarding inaccurate reporting of my Wells Fargo Credit Card account to the Credit Bureaus. 
I have never used my Wells Fargo Credit card - ever. Wells Fargo has reported activity on my Wells Fargo Credit Card account. 
Wells Fargo reports on my XXXX XXXX credit report a payment of {$9.00}, but reports no balance, date of last payment. Wells Fargo reports on my XXXX XXXX credit report a {$0.00} payment, and last payment made in XXXX/XXXX/XXXX, but does not give a balance. Wells Fargo reports to XXXX XXXX Credit report date of last payment as XXXX, but does not report payment amount or balance. Since I have never used my Wells Fargo credit card this is inaccurate and false information. 
I called Wells Fargo regarding this and they told me it was my overdraft protection activity. I have never over drafted on my checking account/debit card. My debit card and my credit card are XXXX completely different accounts. And I have never used my Wells Fargo credit card. I said I would go to Wells Fargo bank and sit with a banker to address this. 
I went to my local Wells Fargo Bank on XXXX XXXX, XXXX. I was told by the teller it was going to be a very long wait, if I would like to come back later. I said no, that I would wait. I saw a banker within a few minutes. 
The Wells Fargo banker had trouble answering my questions. I asked him to call the necessary department or banker on the phone. While he asked some of these questions, the phone banker hung up, is what he told me. Since I was n't getting my questions answered, I asked Wells Fargo banker, to please note that down for me and I would leave in order to contact CFPB. He declined to give me anything that would state what his answers were or that he was declining to write anything down to state his not wanting to. Eventually, he did. I showed him the Wells Fargo reported activity on my XXXX XXXX credit reports reflecting a lot of activity with balances and scheduled payments and the High Balance of {$1100.00} on the XXXX and the credit report from XXXX. He implied he did not know where I got those from. He also told me to get my statements. 
I have never used my Wells Fargo Credit Card so why was there a high balance of specifically {$1100.00}? My credit limit was {$8200.00} in XXXX through XXXX. The banker could not answer most of my questions. So again I asked him to call the online banker. So he called again. He did say that I was given an increase of {$13000.00} XXXX in XXXX and in XXXX of XXXX the credit limit was decreased to {$2000.00}. He was unable to tell me why. There was a {$76.00} balance with a {$15.00} scheduled payment due, the XXXX XXXX was {$1100.00} on my XXXX credit report. Why does my credit card account have any activity on it at all? 
Wells Fargo reports inconsistent, inaccurate information on the reports. Wells Fargo reports a scheduled payment of {$9.00} due on the XXXX of XXXX over and over again. I have never used my credit card so this is false information. 
Please help me get this cleared up with Wells Fargo bank.
Product: Credit reporting or other personal consumer reports

IN XX/XX/XXXX I HAD AN IDENTITY THEFT SITUATION, VIA APPLE WALLET, WHERE MY APPLE CARD AND OTHER CARDS WERE ATTACHED. IN THE COURSE OF THE INVESTIGATION, MULTIPLE DISPUTES TOOK PLACE FOR FRAUDULENT CHARGES ON MY APPLE CARD GOLDMAN SACHS BANK. THE INVESTIGATION TOOK XXXX XX/XX/XXXX. THE APPLE CARD ACCOUNT WAS CLOSED TO PREVENT FURTHER FRAUD. 

AT THE MOMENT OF CLOSING THE ACCOUNT, I WAS ADVISED BY GOLDMAN SACHS FRAUD DEPARTMENT, THAT I HAVE PAID ALL THE REMAINING BALANCES AND OWED {$0.00}. 

IT WAS IN XX/XX/XXXX, WHEN I NOTICED, THAT MY CREDIT SCORE DROPPED XXXX POINTS. I LOOKED AT MY CREDIT REPORT, AND IT STATED, THAT THE BALANCE OF {$250.00} WAS REMAINING UNPAID. 

I CONTACTED GOLDMAN SACHS AND EXPLAINED THE SITUATION. THEIR CUSTOMER SUPPORT FILED THE DISPUTE. I KEPT CALLING FOR 3 MONTHS ABOUT THE DISPUTE RESULTS, YET NOBODY WAS ABLE TO GIVE ME A CLEAR ANSWER. THEIR CUSTOMER SUPPORT TEAM SEEMED TO BE XXXX, NOT SPEAKING OR UNDERSTANDING ENGLISH CLEARLY ( SPEAKING WITH XXXX XXXX XXXX AND EXTENSIVE GRAMMAR ISSUES ), THEY WERE NOT AWARE ABOUT THE DISPUTE DETAILS EVERY TIME I CALLED, EVEN THOUGH I PROVIDED CASE NUMBER, AND AS A RESULT, THEY KEPOT DAMAGING MY CREDIT SCORE BY REPORTING FAILED PAYMENT. 

EVENTUALLY, I SENT GOLDMAN SACHS A CASHIERS CHECK FOR THE AMOUNT THEY STATED I OWED. 

AFTER THAT, I CONTACTED THE BANK AGAIN AND ASKED TO SPEAK TO TOP TIER MANAGER. 

I EXPLAINED THE WHOLE STORY .... THE SENIOR MANAGER ADMITTED, THAT THE ASSISTANT, WHO CLOSED MY ACCOUNT IN XX/XX/XXXX MADE A MISTAKE, AND THE CHARGES WERE NOT SUPPOSED TO BE HAPPENING. I WAS PROMISED, THAT GOLDMAN SACHS WILL CONTACT CREDIT BUREAUS TO DELETE BAD HISTORY ONN MY BEHALF. 

THAT NEVER HAPPENED. MY RECENT REPORTS STILL SHOW DELINQUENT PAYMENTS AND RUIN MY CREDIT HISTORY.. 

I AM EXTREMELY UNHAPPY WITH SUCH A HORRIBLE CUSTOMER SERVICE FROM GOLDMAN SACHS, AND SEEK SOME HELP TO RESTORE MY CREDIT HISTORY. I HAVE ALWAYS PAID EVERYTHING ON TIME SINCE I CAME TO THE USA IN XXXX. 

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

We had some late payment on out account due to the XXXX XXXX Pandemic. we could never catch up and it kept being 30 days late, we have since traded it in to stop from being 30 days late. it was hurting our credit to have all of these 30 day late payment. our household was effected and we did have to quarantine a number of times being a family of XXXX
Product: Debt collection

I 've repeatedly told the debt that the apartment complex was falsely trying to bill me. When I asked them for proof of the debt they sent me a paper with claims by the apartment complex with no proof of damage or their claims. They also sent a lease signed by the property manager, but the lease has no signature by myself on it.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

All three of the consumer reporting agencies XXXX, Experian, and XXXX has been reporting late payment for my credit card with XXXX XXXX. I reached out to all three agencies and all of them gave me the same generic response that the late payment is reporting correctly after their investigation which is not correct. This led me to believe that they are just using an automated system to reply to letters to consumers. This is unacceptable and frustrating. They are not a government agency and I never gave them permission to gather any data on me, why am I jumping through all these hoops for them to correct an error reporting on my consumer reports? I reached out to XXXX XXXX myself, they stated that I have never been late on my account. I am attaching a copy of my statement for the period listed as late on my consumer reports as proof that I was not late. Because of this, Ive been denied credit and given a higher interest rate on a loan that I applied to. I am demanding that this is corrected right away before this issue is brought up in federal court to exercise my rights under the FCRA which I will be sure to demand the maximum remedy for each violation.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX i checked my account to see what my balance was because i was making sure it will still at {$0.00}. When I signed into my account I noticed they charged my account a monthly fee of {$4.00}. I called XXXX XXXX XXXX XXXX XXXX they told me I have a negative balance and it needs to get paid or they will have to put it in collections so the same day I went to XXXX XXXX XXXX XXXX and did a money order for {$4.00} I paid off my balance which is- {$4.00} from XXXX XXXX XXXX XXXX XXXX in XXXX, ct on the same day because I did not want it to go to collections. I waited a couple of days and I tried to sign into my account but it did not let me so I figured the account was closed and they received the money order. 

I tried to open a bank account XX/XX/XXXX and they told me they are unable to open an account for me because I need to contact ChexSystems about XXXX XXXX XXXX XXXX put that I left the bank in bad standards and the balance is unpaid. It is not letting me open any bank because of it. 

Today on XX/XX/XXXX I called XXXX XXXX XXXX XXXX about the balance they told me that the amount is paid in full so they dont know why ChexSystems said the account is not paid. Also on XX/XX/XXXX I called chex systems right after they told me they will have to call charter oak because it is weird if they recieved the balance a year ago why they never contacted them to update the information.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX, MD XXXX
Product: Payday loan

Keep receiving calls from First American Solutions, LLC about a payday loan from 2010, insisting I did not repay the loan. They do not give any details about the loan, just that you will be served papers and call them back immediately. I googled the number at XXXX, saw several online comments about this being a Scam company. They tell you if you do not respond within 48 hours you will be prosecuted and going to jail, threatening you.
Product: Vehicle loan or lease

Recieved letter from Ally bank showing {$4000.00} refund for cancelation of extended warranty, they only paid me {$3000.00}, refusing to pay me the balance of {$980.00}. Called customer service 8 times with out any results. The letter wss dated XX/XX/, cancelation date was XX/XX/. The letter shows Ally XXXX  as payee. They recieved the cancelation on XXXX XXXX. 
All I want is what they were paid when I paid the new car off, with the {$4000.00} warranty included, which was XX/XX/. I have a letter from Ally saying they were paid.
Product: Credit reporting or other personal consumer reports

Discover has flagged my credit report with several late payments and my account is set up on auto pay. 

but furthermore, please see below. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 



XXXX has suffered a handful of data breach incidents over the past 18 months, including a XXXX incident in which hackers obtained the personal information of up to XXXX XXXX individuals XXXX years ago, a massive data breach occurred. On XXXX XXXX, XXXX, the XXXX credit bureau publicly revealed its computer networks had suffered a data leak that exposed the personal information of XXXX XXXX consumers, a number later raised to XXXX XXXX. That data included consumers names, addresses, dates of birth, Social Security numbers and credit card numbers all of which could lead to identity fraud and other financial crimes. 



Experian, one of the XXXX XXXX XXXX XXXX XXXX experienced a significant data breach in XX/XX/XXXX. This breach exposed the personal information of millions of consumers due to unauthorized access to data from a server that contained information for clients, including XXXX. The incident was particularly concerning due to the nature of Experian 's business, which involves handling sensitive personal credit information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX violated my rights to privacy 15 U.S.C. 1681 section 602A states I have a right to privacy. 15 U.S.C. 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions In accordance with the fair credit reporting act, XXXX  account XXXX XXXX on XXXX violated my rights to privacy. 15 U.S.C 1681 section 602A states I have a right to privacy.

In accordance with the fair credit reporting act XXXX  account, XXXX XXXX XXXX violated my rights to privacy 15 U.S.C. 1681 section 602A states have a right to privacy.

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX violated my rights to privacy 15 U.S.C.1681 SECTION 602A STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C.1681 SECTION 604A SECTION2 ALSO STATES IF ANY CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

APPLIED TO XXXX ( XXXX ) AND XXXX ( XXXX ) AND SUN COAST CREDIT CARD AND SAID THEY ALL COULD NOT APPROVED UNABLE TO VERIFY MY IDENTITY. I TRIED TO SUPPLY INFORMATION TO ACCOMMODATE AND THEY SAID IT WAS TOO LATE AND RAISES ALARM WAS THAT THE REAL REASON AND ALLOWING ME TO FIX PROPERLY WITH THEM. OR ARE THEY JUST BEING DISCRIMINATING OR LIEING. THEY WOULD NOT GIVE NO MORE INFORMATION OR ALLOW ME TO CORRECT. FLORIDA FEDERAL BANKRUPTCY XXXX XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

The company WF CRD SVC XXXX XXXX ON XXXX HAD placed and unauthorized inquiry on my credit Report. With out my permission or Purpose or my written authorization. 
I'm requesting proof that I personally Initiated this hard inquiry and proof of written authorization form. 

WITH THE Company placed an unauthorized inquiry on my Ctedit report as many others Credit.Cards or car Lending have done damage to My self, lowering my credit report And complicating my life and Not able to get a Car Loan.
Product: Debt collection

I have ID theft and asked them to assist me with this account. They were successful but the account is still showing up on my credit report.
Product: Student loan

My name is XXXX and I attended XXXX XXXX 9 years ago and now left in over XXXX in federal loan debt. The school closed down after finishing my program and I never received my diploma nor work in that related field. The school was a nightmare. I also qualified for the borrowers defense application that remains pending in the supreme courts along with thousands of other students in my position.
Product: Credit reporting or other personal consumer reports

Atlas Credit Company , Inc . 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Subject : Request to Update Account Information to Reflect Paid-in-Full Status Dear Atlas Credit Company, Inc. , I am writing to request an update on the information reported for my account, as listed below : Account Number : XXXX Account Holder : XXXX XXXX This account has been paid in full ; however, it is still being reported inaccurately, which is negatively affecting my credit score. I kindly request that you update the reporting of this account to reflect its paid-in-full status and ensure all information accurately reflects this final resolution. 

Please notify me once this update has been made to my account status, and confirm that the corrected information has been shared with all major credit bureaus. 

Thank you for your attention to this matter, and I appreciate your assistance in maintaining an accurate credit profile. 

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

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

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

These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, GM FINANCIAL XXXX : XX/XX/XXXX, XXXX  XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Product: Mortgage

I listed the property twice to sell it to pay off the lender. The first realtor didnt get any offers. The second realtor got an offer below asking and what was owed on the mortgage and proceeded to work on a short sale. The realtor was getting the runaround from Mr. Cooper. There was plenty of time to review for the short sale but Mr. Cooper wasted it. 

The rest is explained in the Notice of Errors I sent to Mr. Cooper. See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been nine ( 9 ) years since I had disputes with creditors. All negatives at this point should be removed. I called Experian and spoke to a representative. I asked him if all negatives have been removed from my credit report. He said no it takes ten years. I told him that is incorrect. It is seven years. I confirmed that with the Federal Trade Commission. That is hurtful to consumers, please remove all negatives from my Credit Report.
Product: Checking or savings account

I was scammed by someone, filed a complaint with chase bank and received a piece of mail in writing that says I had my money returned. I tried calling the corporate office and have not heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experain is reporting inaccurate Information on my credit report it shows XXXX should went up cause my credit utilization is low it 10 percent to be exact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted documentation to show I am the one filing this complaint ( SSN and Drivers licence is included ) and I want you to look at the files since you did not do that before. I recently sent letters over 60 days ago to this bureau or theses bureaus and they are disregarding a regular consumer disputes. I'm stressed out and have been sending letters to have theses issues resolved before this and still no response. This is stopping me from pursuing my future for me and my kids. I have attached a document as well to show what Items I am disputing.