23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX XX/XX/2024 XXXX Cedars Business Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX Dear Sir/Madam, I am writing to dispute the alleged debt you are attempting to collect on behalf of XXXX XXXX XXXX Your recent communications regarding this matter fail to acknowledge the circumstances surrounding the transaction in question, and I must insist that your attempts to collect this debt cease immediately. 

The debt you claim I owe stems from unauthorized activity on my XXXX account, which resulted in funds being withdrawn from my bank account and transferred to an unknown third party. Upon discovering this fraudulent activity, I promptly reported it to my bank ( XXXX ), providing substantial evidenceincluding email records of unauthorized logins from foreign IP addresses and changes to my account information that werent done by mewhich conclusively demonstrated that my account had been compromised. Additionally, the fact that XXXX XXXX operates in the cryptocurrency industrya sector notorious for scams and fraudulent activitiesonly underscores the plausibility of this incident being the result of criminal exploitation rather than any fault on my part. 

Following a thorough investigation, my bank acknowledged the clear evidence of fraud and subsequently refunded the full amount of the unauthorized transactions. This outcome absolves me of any legal obligation to repay the disputed funds. 

Moreover, it is pertinent to note that XXXX itself has faced legal scrutiny and regulatory action, including being banned from operating in the United States due to allegations of money laundering and fraud. This additional context serves to strengthen my position that the funds in question were unlawfully obtained by a malicious actor, rather than being legitimately owed to XXXX XXXX. The real issue here is a lack of consumer protection by XXXX. A simple google search reveals many other cases with similar details as to mine, where customers were missing thousands of dollars based on fraudulent activity. 

In light of the aforementioned circumstances, I hereby demand that you cease all further attempts to collect this disputed debt. Any further communication from Cedars Business Services regarding this matter will be considered harassment and dealt with accordingly under applicable consumer protection laws. 

Please respond via email that you have received this letter and have stopped any efforts of collecting the invalid debt. 


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

I applied for a credit card from XXXX the other day and I was denied. I thought that was kinda strange so I checked my credit report. After carefully reviewing my credit report I noticed a couple of items on my report that are not mine. I am doing this on my own and I reached out to the FTC and to my local police department. These items need to be deleted from my credit report. XXXX XXXX. XXXX XXXX. XXXX, XXXX, Chapter XXXX Bankruptcy. Inquiries : XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 16 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous of letters to XXXX, XXXX, and Equifax regarding the accounts in question with no results of an accurate investigation.
Product: Credit reporting or other personal consumer reports

XXXX has had a data breach and I was a victim of this data breach which has lead to identity theft. I have said sent these things to the credit agency and they have refused to delete it. THIS IS ILLEGAL. And they continue to keep illegal accounts on my credit report. this is according to the FCRA 15 USC 1681 section 623 ( a ) ( 6 ). and actually there is many different violations. So I demand that these excessive inquiries be deleted along with these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

And because this will be deleted off my credit due to illegal practices. It is illegal that the the same thing must be reported on all three major credit bureaus. So I demand a deletion immediately!!!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation.

The specific account ( s ) in question include : * XXXX XXXXAccount Number : XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information.

* CRAs must block the information within four business days of receiving the required documentation.

2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections.

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly.

Thank you for your prompt attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making into my credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX  Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX  XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXXnquiry from XX/XX/XXXX + Misc. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX - Card Service Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX. 
XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX  - Card Service Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX  - Card Service Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXXXXXX. 
XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit card

The date of this was XX/XX/XXXX and the company was Bilt Rewards. I called to request a credit line increase and when I did they gave me an offer below what I had asked for. They then said I either have to accept or decline the offer and when I asked for more information the person on the phone said they could not provide any information. I declined the offer and then they said to speak with someone I had to let them do a hard inquiry. When I said I dont want that I asked if I could just accept the original offer. They said no and that I had to let them do a hard inquiry. It was all very predatory and not handled well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND A ENTRY IDENTIFIED AS U.S. BANKRUPTCY CHAPTER XXXX THAT IS REPORTING ON MY CREDIT FILE. THIS INFORMATION IS INACCURATE AND SHOULD BE DELETED FROM MY CREDIT REPORT IMMEDIATELY. I WOULD REALLY APPRECIATE YOUR ASSISTANCE IN RESOLVING THIS MATTER BECAUSE IT IS CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT.
Product: Credit reporting or other personal consumer reports

Per case XXXX you deleted all the inquiries listed on my identity theft report but one inquiry remains that was listed and should have been deleted as well. INQUIRY : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Consumer Loan

My name is XXXX XXXX, and at the age of XXXX ( currently XXXX years old ) i was in need of a car and had no credit. I knew it was n't gon na be easy. I soon ran across Drive Time a popular used car dealership, as i was looking at the car, i pointed out a XX/XX/XXXX XXXX XXXX XXXX, not even fully loaded remember this is XX/XX/XXXX, i thought it would be the cheapest giving it had XXXX miles and 12 years old. 

As i was sitting down filling out the paper work etc, they said i would only have to put XXXX $ down, and bam! the agent said its that easy. They ended up charging me XXXX $ for the vehicle a XX/XX/XXXX XXXX XXXX, and they had a guy go over the contract so fast it was crazy he kept skipping like XXXX pages saying, you do n't have to look at those pages. 
They financed the car at around 28.6 APR along with a hefty finance fee, i had had no idea what simple interest was, they threw in all these warranty 's and perks that added to the price they did n't ask if u wanted them just said you could opt out if you wanted too. 
I ended up with a price of like over XXXX $ and i am gon na end up paying XXXX $ for a XX/XX/XXXX XXXX XXXX. I feel like this is unfair and would just at least like to have the option of refinancing or a lower price i understand i signed the contract and everything i just wan na pay a fair price, Thank you for looking.
Product: Debt collection

XX/XX/2021 XX/XX/2021 XXXX and XX/XX/2021. I contacted AR Resources about this debt. I requested a HIPPA release form with the original signature as well as the Original signature on any MEDICAL bill. AR Resources has yet to send me proof of my original signature or the HIPPA release. AR Resources and the credit reporting agencies are in violation of federal laws. I am requesting that my name and information be deleted from this company. They have placed 9 negative marks and comments.I have also filed disputes with all of the credit reporting agencies including the FTC and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid my XXXX credit card off as agreed and they still have refused to remove it from my credit report after being told that they would over the phone. I have made disputes and it is still there. Also, I am unaware of Capital One Auto inquiry on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.
Product: Credit card or prepaid card

In XX/XX/2019, I signed up for Bank of America credit card. I received the card and promptly registered my card online. At the same time, I set up an autopay option to pay my credit card automatically when payment was due. During the autopay payment option selection, I chose the pay " Amount Due '' option versus the " Minimum Amount Due '', believing that Amount Due doesn't mean the Minimum Amount Due. Turns out, the Amount Due selection is the SAME THING as the Minimum Amount Due option and when the autopay was applied for my statement on XX/XX/XXXX it only applied the minimum {$25.00} due. Bank of America then in turned charged me {$27.00} in interest on XX/XX/XXXX. 

I called in to dispute this and call out the deceptive and confusing wording for the autopay options but they are refusing to refund my interest charge because " I should've known there's a difference in the options ''. This is clearly deceptive practices from Bank of America and I would like my interest returned to me and for them to clearly word and differentiate their options in a non-deceptive manner.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/2024 Notice of Illegal and Fraudulent Reporting of Inaccurate Information on Credit Profile To Whom It May Concern : I am writing to address the illegal and fraudulent reporting of inaccurate information on my credit profile. It has come to my attention that there is a bankruptcy listed on my credit report, which I did not consent to and is not accurate. 

The discrepancy identified is as follows : 1XXXX : A bankruptcy filing has been reported on my credit profile, indicating that I have filed for bankruptcy. However, It is not legal to have such information on one 's credit report without their approval or knowledge. 

I have taken the following actions to address this discrepancy : 1. I contacted the bankruptcy court to verify if any bankruptcy filings had been made in my name. The bankruptcy court confirmed that they have not reported or verified any information on such filings under my name or Social Security number. 

Based on this information, it is evident that the bankruptcy listing on my credit report is inaccurate and has been fraudulently reported. I demand that this misinformation be removed from my credit profile immediately to prevent further damage to my creditworthiness and financial standing. 

I request that you conduct a thorough investigation into the origins of this fraudulent reporting and take appropriate action against any parties responsible for perpetrating this illegal activity. Furthermore, I expect written confirmation once the bankruptcy listing has been removed from my credit report. 

Failure to address this matter promptly and effectively will result in further legal action being pursued to protect my rights and interests under the Fair Credit Reporting Act. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Debt collection

As of XXXX XXXX, There is a XXXX ( original creditor ) debt of {$5400.00} that has been continuously removed and then added onto my credit report time after time. The account has been found as fraudulent and removed. Then the company who bought the debt, SOURCE RECEIVABLES M, has removed and added the debt the same day numerous times. It has affected my credit score dropping it XXXX points every time this is done. I have disputed this with the company and the credit bureau. I want this debt removed permanently from my credit report as it is a fraudulent account affecting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found inaccuracies on my consumer report that are affecting my ability to obtain credit and it has become very detrimental to my life. 

XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, ( XXXX XXXX XXXX ) XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX, MA XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX  # XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX, ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX, ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXXXXXX XXXX  XXXX XXXX, SD XXXX XXXX XXXX XXXX ) XXXX ) In accordance to XXXXhe Fair Consumer Reporting Act the above accounts have violated my rights.

I have contacted the 3 consumer bureaus about these inaccuracies and no changes have been made and this is affecting my consumer report. I did my own research and according to consumer law : 15USC 1681 section 602 A. -states I have the right to privacy 15 USC 1681s-2 ( A ) ( 1 ) - states, 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.

15 USC 1681 section 604 A section 2 - states, A consumer reporting agency can not furnish an accurate without my written instructions.

The inaccuracies include dates open, dates closed, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a mortgage loan estimate request through XXXX XXXX XXXX XXXX ( XXXX  ). Undenounced to me, I had already met the unknown and unpublished 80 % home loan threshold at XXXX XXXX XXXX XXXX and was later told they could approve a third of what I wanted. Had I known or had any transparency from XXXX I wouldve never requested a mortgage loan. Also, I never approved a hard credit pull but instead was requesting information. Please remove this hard credit pull for a mortgage loan as I am reporting you to the authorities. I'm willing to bring in legal counsel to aid in this resolution if necessary. Remove hard credit pull from all three credit bureaus. 

This is not a duplicate dispute and should not be marked as such.
Product: Debt collection

Today, XX/XX/2018 I was sent an email from the " director '' of Ross Financial Recovery Group. His email stated that I owe XXXX XXXX XXXXXXXX {$590.00}. I actually owe XXXX XXXX XXXX {$560.00}. The reason I know this is fake is because my address is wrong and so is my employer.
Product: Credit card

This capital one account was opened without my consent with a balance of {$1300.00} opened XX/XX/2023 along with inquiries that where not me either from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have tried numerous time disputing inquiries with bureau stating that I did not apply for a job or was granted credit with these people and wanted them removed told them I tried sending letters to creditors with no response ....
Product: Debt collection

They withhold fund from my wages on XX/XX/2023. {$140.00} was taking.
Product: Payday loan, title loan, personal loan, or advance loan

I received a call at about XXXX XXXX XXXX from a guy named XXXX claiming to be from Lightstream Bank informing me that my personal loan had been approved. It was for I think $ XXXX at a 5 % rate. XXXX had a thick XXXX accent and poor customer service skills. I didnt let XXXX know with whom he was speaking with He wouldnt divulge how applied for the loan. I have never applied for a loan through Lighstream bank. He wanted to know if I still wanted the loan. After some angry conversation about bank fraud I instructed XXXX to close the loan. He said that they needed to send me a code, and then once I received the code I needed to provide it to them. If I didnt close the loan offer then he told me I would keep getting these calls. This was a phishing expedition in my opinion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX