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

Hello Revvi Credit Card showed up on my credit report in XXXX and i immediately disputed the account because I never opened a credit card with Revvi or any other creditor this year. Contacted Revvi, was placed on holds, transferred around, explained I never opened this account close it immediately they told me I would need to fill out paperwork, never received paperwork called them back and they kept disconnecting my call saying without the paperwork they can not help me. Ive disputed this with all XXXXXXXX, XXXX and XXXX, and it keeps coming back verified but that is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

All four major credit bureaus XXXX, XXXX, XXXX  and innovis have illegally hoarded my person information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 4 credit bureaus violated all privacy rights and allowed my personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all four credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others.
Product: Debt collection

Dear Sir/Madam, I received a letter from Debt Recovery Solutions , LLC on XX/XX/XXXX. Which stipulated that if I were to respond by XX/XX/XXXX, any disputed amount would necessitate the cessation of collection until appropriate documentation demonstrating the validity of the debt was provided. 
Regrettably, on XX/XX/XXXX, at XXXX, I engaged with Debt Recovery Solutions to discuss a credit report entry that had been attributed to your company, indicating a debt in the amount of {$1200.00}. Disturbingly, this entry had been placed on my credit report before I was afforded the opportunity to dispute the full amount, thereby infringing upon the terms outlined in their correspondence. The negative collection was, in fact, registered on XX/XX/XXXX, thus affording me an inadequate window to exercise my right to dispute the debt by the specified deadline of XX/XX/XXXX. 
During my interaction with your representative, XXXX, I was informed that she lacked the authority to remove the negative entry from my credit report. Subsequently, upon her consultation with her supervisor, XXXX XXXX, I was advised to revisit this matter on the upcoming Monday. It was conveyed to me that failure to comply with this instruction might result in further delay, effectively perpetuating the untimely inclusion of this adverse entry on my credit report. I find this approach to be manipulative and obstructive, particularly given the constraints of my professional commitments. 
I wish to express my strong belief that this practice is not an isolated incident but rather a systemic issue within Debt Recovery Solutions, impacting numerous consumers. It is my sincere hope that this correspondence serves as a catalyst for rectifying this practice moving forward. 
I trust that you will promptly address this matter and take the necessary steps to rectify the untoward inclusion of this debt on my credit report. I anticipate a swift and amicable resolution to this issue, and I appreciate your prompt attention to this matter. 
Thank you for your time and prompt attention in resolving this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates is a secondary collection agency that apparently purchased this debt from the primary lender. Portfolio Recovery Associates never notified me of this debt, nor did they give me the opportunity to ask for proof of this debt. This is not my account and I do not owe the money asserted by this collection agency.
Product: Credit card

Account was opened without my knowledge now I am getting late fees for charges for an account I did not open. I have no knowledge of this account and never had a credit card with this company ( ultabeauty )
Product: Student loan

Based on XXXX XXXX XXXX of 1974, and Privacy Act of 1974, I did not give my permission for my personal and loan information to be shared with third parties and/or servicers. Additionally, my loans should have been forgiven and XXXX based on guidelines under teacher forgiveness. 

Additionally, I would like to assert violations related to XXXX through XXXX.
Product: Credit card or prepaid card

XXXX charged my credit card twice in one month. I submitted proof of this to Capital One. On or around XX/XX/2017 acceptance now charged my card twice for a monthly payment on a credit account. I contacted Capital One and told them of the issue. Today, Captial one informed me that they were allowing the transaction to be rebilled to my account. The payment amount is {$150.00}
Product: Debt collection

This is an account that shows up on my report but isnt mine. I disputed the account numerous times but never got any validation or verification that it is my account.
Product: Debt collection

Received a letter from debt collection agency. They claimed that I did not show up to court and that they received a judgement. The letter does not state accurate information. This case adjourned because they did have proper proof that I owed this debt and that they did not properly serve me. When I called to inquire about the judgment, the person I spoke to stated that there was not judgement and that they just wanted to get paid. My local civil court states that there is no judgement on record with this company. 
I asked them why would they send a fake legal notice if there was not judgement. I could not get a clear answer. It seems like the debt collection company is using deceitful tactics as a way to bully people to pay.
Product: Checking or savings account

I purchased and air purifier from XXXX on XX/XX/scrub>XXXX XXXX XXXX  for the amount {$120.00} i return the item to XXXX XX/XX/XXXX and I still havent got a refund for this transaction coming from XXXX and sofi bank i filled a dispute against this transaction and i still havent gotten a response from sofi regarding the dispute or gotten a provisional credit for this disputed transaction i need help with this please sofi bank stealing my money and they are not giving it back to me for something that i return to the merchant havent gotten my refund and XXXX is refusing to refund me and want me to wait 30 days for the refund
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation. 

Please be advised that : XXXX. I dispute the entire amount of the alleged debt. 
XXXX. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached. 
XXXX. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me. 
XXXX. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt. 

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within XXXX  days. Also, please be aware that I request all future communications be in writing. 

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter. 

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within XXXX days ]. 

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

Bank of America XXXX XXXX i did not authorize them to put a hard inquiry on my credit report I was a victim of identity theft.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, AM DISPUTING ON MY OWN, PLEASE SEE ATTACHED FTC REPORT AND DISPUTE LETTER It has also come to my attention you have willfully negligent, non-compliant, reporting inaccurate unverifiable information, damaging my reputation and credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were several unauthorized inquires on my XXXX credit report which I did not authorize or give the contest to. Therefore, I would like these fraudulent inquires to be removed immediately. It is causing harm to my overall credit profile. The following inquiries need to be removed : 1. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit score i noticed a loan for XXXX from a company called XXXX XXXX XXXX i have disputed this account with all 3 credit bureas and XXXX and XXXX removed the account but equifax has not removed this account from my credit account equifax provided them my police report and they have yet to remove it still so i am working closely with the police department to help get this resolved i also asked them if they could remove this from my credit bureau and they stated no that they could not do that untill the issue is resolved so at this point i no longer want to talk or deal with them because the awnser they gave me lead me to believe that they are trying to make it look as if im the one that did this i am a victim of identity theft i have been for many years and there is a fraud alert on my credit report so i dont even understand how it even got threw my equifax score has decreased because of this i am going to file law suits against them if they do not remove this account this is part of my WARNING!!!! to them is step 1 filing a police report and step 2 filing it threw CFPB opened XX/XX/2018 term 60 months monthly payment XXXX it shows open and its a unsecured loan it also shows that it is late in which this account is a fraudulant unauthorized account that do not belong to me Please remove this from my equifax credit account or else.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX  XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human XXXX  of Debt XXXX  and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXXXXXX BALANCED {$320.00} XXXX XXXX BALANCED {$1600.00} XXXXXXXX XXXX XXXX XXXX BALANCED {$2500.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$790.00} XXXX XXXX XXXXXXXX BALANCED {$1200.00} XXXXXXXX XXXX XXXX BALANCED {$3100.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of human trafficking, specifically debt bondagewhich falls under trafficking as defined by the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage.According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from human trafficking within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from human trafficking.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act 15 U.S. Code 1692 - Congressional findings and declaration of purpose including ( a ) Abusive practices- There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

After reviewing my credit reports I noticed that you are alleging that the following account is negative without furnishing any proof of verification of this debt, violating 15 U.S. Code 1692g or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks for the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX  Open Date : XXXX Assigned Date XXXX XXXX  Amount on account reported : {$1400.00} As you know it is against the law to report any information not proven accurate. This is a deprivation of my rights and a violation of my privacy, as well. The credit reporting agency knowingly contributed to wrongful activity by acting on 15 U.S. Code 1692f - engaging in unfair practices. I demand that you provide me with concrete evidence of my obligation to said account. This is a violation of 15 U.S. Code 1692g, and 15 U.S. Code 1692f to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized and/or fraudulent credit reporting listed without my expressed written consent.
Product: Checking or savings account

I attempted to purchased clothing from XXXX XXXX XXXX, located on XXXX XXXX XXXX / XXXX XXXX, Florida for a total of {$4800.00} a while back ( don't have receipt ), because I was in XXXX XXXXXXXX, shortly after this transaction occurred & my belongings ( to include my wallet ) were misplaced & subsequently lost. I paid with Wells Fargo Debit card. I contacted Wells Fargo regarding this transaction and was told by Wells Fargo, merchandise / items I purchased were being sent to me. I have never received anything from this merchant and requested reimbursement of {$4800.00}. Please review your records> Thank you for prompt attention to the matter. 

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

In accordance with the Fair Credit Reporting act : XXXX XXXX Installment Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX has violated my rights. 15. U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I have not issued any written consent or instructions for this to be listed on my consumer report as this is not a personal account. This is a business account.
Product: Debt collection

Credence Resource Management , LLC XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX collector Has tried to collect a debt from me. However, I do not own this debt. I have written several letters disputing this debt and they can not prove the debt is mine or that a payment came from me under said account number. They have continued to call and harass me on a debt that is not mine after letters have been sent. I have also sent letters/emails to the fraud department of original account and they have stated. The account number in question is not mine and there is nothing else owed under this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

today at XXXX XXXX  on XXXX XXXX I received a call from XXXX XXXX, tel XXXX that someone using my info identity is trying to purchase an auto at XXXX and I told XXXX this is a fake fraud and I never did this and had never tried this and they issued an reference number XXXX. Please help me and alert all credit agencies this is a an ongoing fraud.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX DEPT OF ED XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX. I am writing to delete the following information in my life. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint ID XXXX I received an partial answer on my complaint : However the company Barclays Bank of Delaware did not include balance in my account nor any information as to where the {$400.00} dollars I had paid them went. In reviewing the payment history they have not applied the amount to my account so where is it.. I have cancelled checks showing payment but it does not appear on my payment history. 

I called bank and the loan office could not give me an explanation XXXX XXXX.
Product: Credit card or prepaid card

I tried to change my username but there is not an option to do that. There are 2 sources of security when it comes to accessing an online banking platform. The username and the password. If your username is on the dark web or has been used to hack into other credit card accounts ( as mine has ) than now your security level has been diminished by 50 % if you are unable to change your username. I then asked to have my online account deleted and was told that was not possible. How is it not possible to deactivate a consumers account? I find this unbelievable and also unsafe. The end result was that I had to close my account to protect my personal information. Because I have closed my account my credit score will be negatively effected. The reporting agency algorithms will read the closed account as negative as though I did it because i couldn't pay my bills. This company should not be allowed to offer online access if they can not provide a secure environment for their customers.
Product: Credit card

On XX/XX/2023 A fraud charge was posted on my Discover Card.no XXXX XXXX XXXX I called and told them I did not make this charge of XXXX and that my limit on my credit card was {$4500.00} and it shouldn't have been posted. They told me that they would only accept a dispute and not a fraud. They are trying to force me to pay it. I even contacted a supervisor, and they refuse to do anything about it. I never made this charge and it is way over my limit. Thank you XXXX