23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have reached out numerous times to all equifax regarding a XXXX account numerous times with no success. This account is considered a secured card which I understand means the credit limit is funded by the owner of the account. I would not have spent any amount of money just to let it go delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has removed the below accounts. XXXX XXXX, XXXX XXXX Pursuant to 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 

Remove the accounts listed. I have attached the proof that show transition has removed the accounts that are still on my consumer report. These accounts are preventing me from getting a vehicle for my expanded family. It is causing my mode of living to be hindered and this is causing great XXXX  and fear.
Product: Debt collection

This company is a fraudulent company. They are fraudulent, their dealings are fraudulent, they are engaging in fraudulent activities, government should take note. 
I was looking for a program to sign up and take classes online. I got XXXX College online. for XXXX XXXX XXXX XXXX XXXX  Immediately I called to verify about their program. The guy on phone with me said the price for the program will increase the next day when I told him I was going to think about it and call back the next day. He kept me on phone that when I call back the price will increase that he was going to call me that evening. He called, but was still not ready to enroll. He persuaded me to just sign up with him on phone just for {$10.00} deposit. I said no, but he continued that I have 7 days to cancel. I then allow him. They charge my account {$10.00}, but never refunded as promised. I reported the issue to my bank.

The program was about {$1000.00} that day, that I can finish in less than 2-3 months.

I check the site the next day, the price reduced to about {$670.00} thereabout. I called them to cancel that I was not interested anymore, they promised to reduce the price by {$150.00}, I told them no because I began to become suspicious of their activities and dealings. I wanted to cancel they said no, that they can not allow me to cancel, that I must have to pay them {$150.00}. I did not accept any enrollment. I did not even receive any service, materials, nothing from them. Another person that I talked to said since I didn't receive any service and called to cancel the next day, said that I don't owe anything. 
Less than 2 weeks ago, I received a collection letter from Ability Recovery Services LLC to reply, that I owe {$220.00}. That I have 30 days to dispute. This letter is dated XX/XX/2018. On XX/XX/XXXX, my Credit Profile indicated a new item of {$220.00} has been added to my account. less than 3 weeks. 
I have rejected this fraudulent bill but they kept calling my phone that I must pay it. I called them, they said is my bill that I must pay it. XXXX College is fraudulent, the Ability Recovery Services LLC is  Fraudulent, the government should look into their activities immediately. Please publish this online to prevent people falling victims to their activities, their preys, and their scamming tactics, especially those living out the United State seeking cheap online program in the USA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2021, there is a hard inquiry on my credit report from XXXX XXXX XXXX XXXX XXXX. I have never applied for a personal loan with this company and need this removed from my credit report.
Product: Bank account or service

The Bank rollover my Cd without sending me a letter in writing that they were doing that the new CD would .10 percent which will amount to using my money for nothing. when they say to take it out I have to pay him 3 % which would amount to over {$6000.00} currently was the new rule that they in acted without telling me also. The {$6000.00} would be {$3500.00} Over the money earned on the CD in the first place is this right I do n't think so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove hard inquiries on my credit report from XXXX as letters issued by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit account Account Number : XXXX and XXXX. Specifically, the reported late payments on XX/XX/year> are incorrect, as I was not late on these payments. I have reviewed my records and can confirm that my payments were made on time, and I respectfully request that you investigate and correct this error immediately.

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to report accurate information to the credit bureaus. By failing to update or correct this inaccurate reporting, American ExpressXXXX is in violation of the FCRA. Additionally, under the Truth in Lending Act ( TILA ), any inaccuracies in credit reporting that affect the terms of credit or the accounts status could result in a violation of the act 's provisions regarding truthful and accurate disclosures. 

I request that you investigate this matter and update the credit bureaus with the corrected information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, I am writing to dispute the following items on my credit report XXXX XXXXXXXX Acct # XXXX, has not been added to my Trans Union Credit Report XXXX I am requesting that these items be added to my credit report as they are accurate and reflect my current financial situation. I have attached supporting documentation to this letter to verify my claim. I understand that under the Fair Credit Reporting Act, you are required to investigate my dispute within 30 days of receipt of this letter. I request that you provide me with a written response to my dispute, including the results of your investigation and any changes made to my credit report. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiry listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest this inquiry and ask that it be removed from my credit report. 
XXXX XXXX XX/XX/2023
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Vance and Huffman LLC, I am writing in response to your recent communication regarding the debt listed above. Under the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you provide validation of this alleged debt. 

Specifically, I request the following information : Documentation proving that you have the legal right to collect on this debt, including proof of assignment or sale of the debt from the original creditor to your agency. 
A copy of the original signed contract or agreement that created the debt. 
A detailed accounting of the debt, including all fees, interest, and charges added to the original balance. 
Evidence that this debt is within the applicable statute of limitations for collection in my state. 
Additionally, under the Fair Credit Reporting Act ( FCRA ), I am requesting that you cease reporting this account on my credit report until you provide sufficient proof that this debt is valid. Failure to do so violates federal law and could result in legal action. 

If you can not provide the requested validation, I demand that you : Cease all collection activities regarding this debt. 
Remove this account from all credit reporting agencies ( XXXX, XXXX, and XXXX ). 
Please note that this is not a refusal to pay but a request for clarification and validation. I reserve the right to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or my state attorney general if your agency continues to attempt collection without proper documentation. 

I expect your response within 30 days of receiving this letter. If I do not receive a response, I will consider this matter resolved, and you will be obligated to cease collection efforts and remove this account from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, a vender " XXXX '' attempted to refund a purchase of {$150.00} to my Wells Fargo Debit card. However, I had closed all my accounts with Wells Fargo in XXXX of XXXX. Rather than rejecting the refund, as apparently is Wells Fargo policy, Wells Fargo accepted the refund and " took '' the money from XXXX. I attach verification from XXXX that Wells Fargo accepted the refund. 

I reached out to Wells Fargo 6 times and received the following answers from various people : - " The money is floating around our system, and there's no way I can access it. '' - " It's impossible that the refund was accepted by our bank. '' - " I can not pull up your accounts because you closed them in XXXX. '' - " I can see the transaction, but we need to wait 2-3 business days for it to bounce back to XXXX. '' - " I can not even see the transaction on our end. XXXX  must be mistaken. '' I have reached out to XXXX multiple times, and each time they assure me they have not received the funds back from Wells Fargo. As far as I am concerned, Wells Fargo stole my money. 

Also, Wells Fargo repeatedly refused to communicate with me in writing. I was hung up on multiple times. I was told all my calls were recorded, but that I could not have access to those recordings. These practices reek of deception and deniability.
Product: Debt collection

Collection Agencys : Jefferson Capital LL Charging Amount : {$1800.00} Dear Sir/ Madam : Im writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 
Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Finally please note that I do not wish to received further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to request. See 15 U.S.C 169 ( C ). 

Thank you for your attention to this matter
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 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account XXXX : XXXX Account Name : XXXX XXXX  XXXX Account XXXX : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Credit reporting or other personal consumer reports

I am writing to dispute certain accounts and inquiries appearing on my consumer credit report, as referenced below. These entries are the result of a data breach or fraud, and I am requesting verifiable proof, including my signature or electronic signature, to substantiate their legitimacy. 

This letter is submitted personally and not through a third party, so I urge you to review it carefully. I never authorized these actions, which constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) Section 605B [ 15 U.S.C. 1681c-2 ], regarding the blocking of information resulting from fraud or a data breach, and Section 604 [ 15 U.S.C. 1681b ], concerning the permissible purposes of consumer reports. 

I have already contacted the companies involved and found that these actions were taken without proper validation or original proof. Since I did not authorize these accounts or inquiries, they are inaccurate and must be removed as they stem from a data breach or the unauthorized reporting of my consumer information by creditors or third-party data furnishers.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX  XXXX Inquiries : XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I request the prompt removal of these unapproved inquiries from my credit report, as they are adversely affecting my eligibility for loans and access to credit. Furthermore, I would appreciate any documentation or confirmation once this issue has been addressed. 
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 or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. Identity Verification : If identity theft is a
concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX CC 'D : Email : XXXX CC 'D : Urgent CFPB Complaint Filed RE : INCOMPLETE, INACCURATE, UNVERIFIABLE PUBLIC RECORD! - DELETE! 

Dear LexisNexis, I have recently looked at a copy of my credit report and see that you still provide inaccurate information about a couple of XXXX  that were filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why YOU is still reporting this information to the credit bureaus. I have already spoken with the courthouses in which these bankruptcies were filed. I know that they did not provide you with this information as they explicitly stated that they don't report information to anyone. But I guess you use PACER to obtain your inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to these bankruptcies is extremely inaccurate. They were both DISMISSED and never DISCHARGED! My credit is being negatively impacted due to your neglectful reporting and I would appreciate it if you removed these XXXX  from your system. It is not fair that you can simply snoop around and report only half-truths and cause so much distress. 

XXXX  - XXXX - According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of an unknown collection account on my credit report. Also, my personal information was impacted by the XXXX data breach, raising concerns about the accuracy and security of my credit report. I demand the immediate deletion of this unknown collection account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. The account XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.