23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Personal Information Dear Sir/Madam, I am writing to dispute inaccurate personal information that is being reported on my credit report by your agency. Upon reviewing my credit report, I have identified discrepancies in the personal information section that require immediate attention and correction. 
The inaccurate information is as follows : Wakefield & Associates {$800.00} Account # XXXX I hereby request that you investigate and correct the inaccuracies in my personal information as soon as possible. It is imperative that the information on my credit report is accurate and up-to-date to ensure fair and accurate assessment of my creditworthiness. 
Please provide written confirmation once the necessary corrections have been made to my personal information. Additionally, I request that you provide me with a copy of the updated credit report reflecting the corrected information. 
I appreciate your prompt attention to this matter and look forward to your timely response. Thank you for your cooperation in resolving this dispute. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 when applying for a loan to purchase a car. I authorized XXXX XXXX to run my credit one time to a specific lender. They assured me that It would be only one. I have been getting notices from creditors that I don't recognize stating that XXXX gave them permission to run my credit. That has been reported to my credit reports ( all 3 of them ) over 33 or more times which is causing adverse actions on my Credit reports.
Product: Debt collection

This debt was sent to the collection firm on XXXX XXXX, 2014 - 3 years and 6 months ago. 

I do n't know what this MEDICAL DEBT is for - as well, I did n't know MEDICAL DEBTS could be reported on an individual creditors report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/1989 RE : You Violated The United States Code Law 15 U.S. Code XXXX - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX XXXXXXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX  : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 


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

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, KS XXXX ( XXXX ) XXXX I have disputed this collection account on numerous accusations with the debt collector as well as the 3 major Credit Bureaus, XXXX, Equifax, and XXXX. On XX/XX/2010, I sent in documentation to the 3 bureaus above explaining that the information that this company is reporting on my credit is inaccurate. This debt collector is insisting that the information is valid and reports as it is verified as accurate. 

On XXXX The first inaccuracy is the ACCOUNT NUMBER This company is reporting my account number as XXXX. How can this be a valid account number, if it is missing digits? 

The second inaccuracy is the Account Type. This company is reporting that this is an Open Account. How can a CLOSED COLLECTION account be an open account? That is not possible. 

The next inaccuracy is the PAST DUE AMOUNT. This company is reporting that there is a past due amount owed on a collection account. How can you report a past due on a collection account? 

This company is reporting this INACCURATE information to all 3 Credit Bureaus. 

I know I have rights and I feel that this company is violating them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report and it's been over 30 days and I haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX. # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1600.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$760.00} XXXX # XXXX XX/XX/XXXX -- {$1200.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1200.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$1600.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1200.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$3900.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Student loan

On the credit report, they claim the account was opened on ( 1 ) XX/XX/XXXX and I owed {$2600.00}. 
( 2 ) And on XX/XX/XXXX and I owed {$2800.00}. 
( 3 ) And on XX/XX/XXXX and I owed {$1700.00}. 
( 4 ) And on XX/XX/XXXX and I owed {$5100.00}. 

I don't owe.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address to fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint if being filed on the advice of my attorney who has indicated it is the last step before she files the complaint against  Macys in US District Court and is meant to reflect my attempt to mitigat e my damages.    Macys  failed to deliver a statement to the cor  rect causing a 30-day late to appear on my credit report, the only such late in a 28-year payment history.
Macys also violated   privacy laws by faxing a copy of my account statement to a fax number which appeared on a letter that was  XXXX   XXXX  directly to  XXXX   XXXX , the  Macys Chairman a nd another letter to the CEO.   I placed no less tha n 67 phone calls to the executive offices, and despite promises by three individuals that the matter would be escalated and addressed, all communication was  handled by an individual who took pride in upsetting me with her  XXXX  attitude.   In addition, this  30-day late dropped my credit score  by  XXXX  points causing a bank to withdraw an offer of a large commercial loan resulting in the economic loss of over {$200000.00} to my firm.   Macys management is a disgrace to the business world and while this company will continue to shrink, t he fact that Macys would indicate they are " reviewing '' why they sent my statement to an un monitored fax without my permission is mind numbing, especially because I am already an identity theft victim.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company XXXX XXXX XXXX XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX XXXX XXXX ) of any sort. 

In regards to The company XXXX XXXX XXXX XXXX XXXX has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company XXXX XXXX XXXX XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XX/XX/XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : 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, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

1.XXXX  XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX/XXXX  XXXX 6.XXXX XXXX 7.XXXX  XXXX 8. XXXX XXXX  XXXX 9. XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX XXXX 13. ORIGINAL CREDITOR XXXX 14. XXXX XXXX
Product: Checking or savings account

Bank of America has frozen my account because I have not provided some requested information that I haven't either received or they deemed insufficient. 

For the insufficient information I have provided them multiple documents on the total bill and they are disputing a {$2.00} charge on reoccurring billings for XXXX. The date of service XXXX XXXX and I received products for my XXXX  monthly. They continue to ask for the same receipts. I think they are collecting unnecessary personal data at this point. 

I have had to provide receipts for XXXX cent transaction from my children 's healthcare provider. The amount of data that they are collecting has been severely over the top. 

To me it seems like BofA is collecting to much of my personal data especially on recurring billings.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Vehicle loan or lease

I leased a XXXX XXXX. At the end of the lease- XX/XX/2019, I returned the vehicle to the Dealership. Now Toyoto Finance is charging me for a left rear tire slashed and the front window broken. The car did not have these issues when I dropped it off with the Dealership. The Finance company sent me a letter dated XX/XX/2019 ( practically two months later ) requesting me to pay {$590.00}. I have been in conversation with them disputing these charges, they dropped it to {$500.00} but said this is a verbal offer only and will not send a new invoice. They continually call me ( I blocked ) their number. I have been in touch with my Salesman and he said to just ignore them. Then I got in touch with the Leasing Mgr. & the Customer Relations Director.  They said an inspector ( not part of their team ), inspects the vehicle for wear & tear. They were concerned why it took them so long to get in touch with me.
Product: Debt collection

While XXXX late XXXX, I received an alert from XXXX saying that was a debt collection owed for an apartment. I instantly disputed the claim because I was XXXX and I have never applied to live in an apartment. I first contacted the apartment complex to get any information I could as directed from the XXXX Police department website for fraud claims. The manager informed me that they had no records for that due to the complex being bought out by another company. I asked if there was anyone they could reach out to from the previous company and I was told no. 
After that call, I proceeded to call Procollect and was told that they could not give me that information. That I would have to go through the police department or the apartment complex. 
After disputing this incident now three times online I then called the management again hoping for another answer. Still the same answer of no records. 
After returning home in XXXX of XXXX, I XXXX  the address from XXXX XXXX. After speaking with the manager and a rep, she informed me that they were bought out a second time and they do not have any records to give me. She said I should XXXX the name of the company before they were bought out and a number should be listed. 
I called as soon as I got in my car and it was then we discovered that the previous company had already merged their online websites and phone number with the new company. So basically I called the same two ladies that I had just spoken with in person.
Product: Checking or savings account

On XX/XX/2021 2 withdrawals for a total of {$510.00} my debit card from a transaction listed as XXXX. I immediately notified my bank and had the debit card closed. I submitted the claim that these were not my charges and to refund my account. Chase sent request to confirm transactions to XXXX. Chase received documents that showed an order made on my debit card had my name and address. Tracking numbers were provided for the order so chase denied my claim. After contacting XXXX directly using those tracking numbers I was told the packages were sent from XXXX and did not have my name and address on the labels. After obtaining my full debit card number I was able to call XXXX  and find pull the exact transaction, this transaction did not occur in my XXXXXXXX account. They found an account opened in my name with my information that was not mine. They closed the account and told me they could not do any investigation because I already submitted the claim through chase. After 11 hours of calling back and forth chase will not continue any investigation and would not accept the verbal confirmation of identity theft. After I received the copies of documents originally sent to chase showing the transaction ID from XXXX ; I contacted XXXX directly. They found another fraudulent account opened in my name with my information. It is obvious that this person used all of my information including my debit card with out my permission. I can not obtain any supporting documents from XXXX or XXXX because these fraud " accounts '' are not in my name. Chase refuses to contact the companies directly. I have started a police report to obtain the documents from XXXX and XXXX to prove that identity theft and require chase to reinvestigate the claim. Chase fraud department did not properly investigate my claim, if they would either contact XXXX, XXXX or XXXX directly they would be provided countless documents supporting these charges were not mine. When they initially contacted XXXX  they did not give the entire debit card number and went only by the transaction that occurred on my account therefore were provided inaccurate information which they based their decision on. I spoke to over 4 managers and spent easily 9 hours on the phone with chase who is refusing to support their customer for over 17 years. I do not recommend chase and I will no longer do any business with this bank.
Product: Credit card or prepaid card

I have called Barclays Bank over five times for 3 charges that happened at the end of XXXX XXXX. I disputed the charges on the app. They sent me a letter saying they investigated and deemed I was responsible which was crazy since one of the charges I was across the United States for. 

I then called them ... The first two times I was placed on hold at the fraud department for over an hour. The third time I called I told them not to send me to the fraud department and I spoke to somebody who I demanded help me. This was on XX/XX/XXXX. This lady made me actually call the company ( XXXX ) with her to investigate the charges the charges for XXXX we called XXXX and XXXX corporate and both of them said they did not have my card on file at all and they could not locate any transactions. The lady then told me that I was not responsible for the charges and the dispute would go through I have the case numbers : Case number : XXXX, XXXX, XXXX I then received a letter saying that only one out of the three charges would be disputed and the others were being investigated I then called back again for the fourth time and said this was ridiculous since they were all from the same store and I contacted the store with the lady and the store explicitly said that my credit card was not in their system and they did not have those transactions on file. They said they would escalate the claim. 

I then got a letter saying that everything has been disputed but on my bill it still says that I owe the money and if I dont pay in a week I will be charged a penalty so then I call for a fifth time and they say theyre going to transfer me to the fraud apartment and I say dont do that because I am not spending an hour on hold and they said it wouldnt be an hour and they transferred me and after an hour nobodys picking up the phone so therefore I am not spending any more time dealing with this bank that clearly has issues and they are trying to steal my money!!!! They said it was disputed and are not removing the money from my account!!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian has failed to fulfill legal obligation under the Fair Credit Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified information accounts resolved. The CFPB has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer -provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence i provided, causing an ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

My rights as a consumer are being violated since the information in this credit report is not accurate. 
The credit report should be verified, complete, and true in order to meet the FCRA and Metro 2 data field formatting standards. If these standards are not followed, it jeopardizes the integrity of the data. I am requesting that you take care of this as soon as possible so it does not affect me financially in the future.