23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXXXXXX 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 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 XXXXXX/XX/XXXX ; 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

For over 2 years I have provided proof via, bank statements, police reports and FTC reports stating that this Fortiva Account is not mine. 

They have never provided a copy of the loan but a website link that leads to an loan application. They have responded twice stating they have videos of me in my home! I'm not even sure how to respond to a letter stating they recording me in my own. Is this a personal threat to my safety? 

I'm a XXXX XXXX XXXX  and showed the police the letters scary letters I've received by them. 

Fortiva stated on my credit report that CFPB approved their proof of my video tapes. I demand to see the letter from CFPB approving being illegal recorded in my home with no knowledge of this as a debt allowed my credit. 

They have broken several laws and at this point I want their legal departments information to obtain an attorney to have this charge off removed from my credit reports and file harassment claims due to the countless phone calls I received that were starting at XXXX XXXX. 

I've provided proof that this is not my debt to two years have continued to have Fortiva behave as if they are above the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act the list of Accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 

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 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, credit repair services, or other personal consumer reports

This letter is about the following accounts : XXXX XXXX XXXX # XXXX, which you claim, I owe [ {$57.00} or my account was charged off {$57.00} ]. XXXX XXXX XXXX # XXXX, which you claim, I owe [ {$440.00} or my account was charged off {$440.00} ] .This is a formal notice that your claim is disputed. 


I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : 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 XXXX XXXX, has violated my rights. 

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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

Greetings sir/madam, In this complaint at hand the term, CREDITORS, Shall include XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. According to 15 USC 6801 says It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers " nonpublic information ''. CREDITORS are financial institutions by definition under that title. 15 USC 1681a, ( 2 ) Exclusions : ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal. 15 USC 1681b Permissible purposes of consumer reports, I the consumer never gave written consent nor instructions to any of the CREDITORS to surrender my nonpublic personal information to any credit agency. Also the CREDITORS never received written instructions containing my consent to furnish anything on my credit report which is a violation of the Fair Credit Reporting Act. 15 USC 1681 section 604 section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. CREDITORS never received written consent nor verbal consent to furnish any nonpublic personal information to nonaffiliated third parties which TRANSUNION, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXetc fall under. Any and all consent to CREDITORS rather it verbal, written, or unwritten is hereby revoked until further notice in writing by the consumer. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I am stating I haver never received the option nor giving a way to exercise my right to opt out and hereby now doing so. 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. 1016.7 Form of opt out notice to consumers ; opt out methods.

( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

16 CFR 313.7 ; I hereby opt out the CREDITORS reporting to the ANY nonaffiliate third parties at ANY TIME. The above description is a violation of the Privacy Act of XXXX. Thanks for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple hard inquiries that I did not authorize.i want them to be deleted, and their customer service would not help and take care of the negative inquiries reporting on my credit report.
Product: Credit card or prepaid card

I am having a problem with charges for goods and services that weren't delivered as agreed.On XX/XX/XXXX I ordered Qty 5 XXXX  XXXX XXXX network dome cameras from XXXX using my USAA credit card. Item showed shipped with USPS tracking numbers with an expected delivery date of XX/XX/XXXX. I never received my order and upon checking the tracking numbers online I showed delivered XX/XX/XXXX at XXXX Delivered, Front Door/Porch. I did not received my order and contacted XXXX on XXXX XXXX and they stated they would look into it. After a few days I contacted XXXX again and they stated that it showed delivered and that there was nothing else they would do. I contacted my credit card issuer USAA and opened a dispute for services not delivered. On XXXX XXXX Usaa credited my account {$590.00} while they investigated the dispute. On XX/XX/XXXX Usaa charged back the {$590.00} with a letter from XXXX stating that the order was delivered. I called USAA back to inform them that I still had not received my order, that I never signed for anything and my order was not on my door step as stated. Usaa advised me to contact the post office and there was nothing further they could help me with and would not remove the charges on XX/XX/XXXX. I contacted the postal inspector and they stated I would have to open a claim with the merchant and or credit card company which I had already done. I still have not been refunded for the merchandise I ordered and did not receive.
Product: Debt collection

I sent a letter asking for validation of debt which is different from verification. The letter sent was with verification and not validation. Verification and validation are completely different. 

VERIFICATION means establishing truth and accuracy. VALIDATION means to provide Legal PROOF of this truth and accuracy. 

Proof of VERIFICATION are bills, receipts, credit card and bank statements. 

Proof of VALIDATION include leases, promissory notes, contracts with an original signature from the Original Creditor NOT the collection agency.
Product: Credit reporting or other personal consumer reports

I am sending to formally dispute the unauthorized inquiries on my credit report. Upon reviewing my credit report, I noticed several inquiry that I did not authorize. This inquiries are negatively affecting my credit score, and I am concerned about the potential impact on my financial standing. 

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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXXXX/XX/2019 for XXXX, XXXX XXXXXXXX XXXX XXXXON XXXX XXXX FOR {$1700.00} THIS IS A HIPPA VIOLATION, I HAVE NOT GAVE THIS COMPANY TO RELEASE MY PERSONAL INFORMATION ... BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX  TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter
Product: Checking or savings account

On XX/XX/2024 I met with XXXX XXXX XXXX? ) at the Chase bank in XXXX XXXX, XXXX  ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX phone : XXXX ) to open a personal checking account with XXXX people on the account ( XXXX ) XXXX XXXX XXXX ( XXXX ), ( XXXX ) XXXX XXXX ( my wife ) and ( XXXX ) XXXX XXXX ( our property manager in XXXX  XXXX ). XXXX set up the account ( ending in XXXX ) with my name and my wife 's name on the account. We had XXXX XXXX on the telephone at the time and my wife and I wanted him added to the account at that time. XXXX was willing, if necessary, to go to the Chase bank in XXXX  XXXX. XXXX has a checking account with XXXX in XXXX  XXXX. However, XXXX refused to add XXXX at that time telling us to let the account be confirmed and set up the automatic deposits of the rents and other deposits and set up the automatic payments for mortgages and other expenses related to the property in XXXX  XXXX. So we did as she said. 

On XX/XX/2024 at XXXX am my wife and I met again with XXXX at the XXXX XXXX branch of Chase Bank for the purpose of adding XXXX to the account. Once again we had XXXX on the phone and he was willing, if necessary to go to the Chase Bank in XXXX  XXXX. XXXX was able to verify that XXXX was an account holder at Chase Bank in XXXX  XXXX, but after many tries was unable to add XXXX. The stated reason was that XXXX must be present with us in XXXX XXXX -- which is ridiculous as no one would drive 1500 miles just to open a banking account. XXXX agreed that XXXX should not have to drive 1500 miles and said she would check with her manager to see how to resolve the problem. 

I received a phone call sometime later ( not sure of the date ) from XXXX indicating she had made a mistake. She said that someone like XXXX who can not be present with us must be added to the account when the account is opened -- but there is no way to add him later unless he is physically present with the both of us in the same location. I pointed out that on her advise I had set up all the automatic deposits and automatic payments to come out of that account and that took me several weeks to accomplish. So we needed an exception to get him on the account. Opening a new account was too much to ask. XXXX agreed to check with her manager and get back to me. 

On XX/XX/2024 around XXXXXXXX XXXX I received a call form XXXX who said he was the " Case Manager '' assigned to my case ( case no. XXXX ). He said that Chase would not fix the problem. I must cancel the current account and open a new account. Otherwise XXXX must be physically present with me and my wife in order to have him on the account. I asked for the name of his boss so I could escalate -- but he refused saying this is the final decision. 

I just want XXXX added to the existing account. I don't understand why this would be a problem. Chase provides no reason. It seems to be arbitrary. I hope the CFPB can assist me with this issue. 

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

The following should be removed from my credit report due to the lack of compliance with the method of verification rule. The credit reporting bureau is Experian. 

Account name XXXX XXXX  Account number XXXX .... 
Recent balance {$4700.00} as of XX/XX/XXXX Date opened XX/XX/XXXX The following information needs to be confirmed/submitted to me, otherwise it needs to be removed from my credit report : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this allege account. 
A copy of any documents provided bearing my signature showing that I have a legal binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-Oscar verification is unacceptable.
Product: Debt collection

For the first time, I opened an LLC small business in XXXX of XXXX. I took out a small business line of credit with Wells Fargo Bank for the relatively small amount of {$5000.00} for an XXXX  XXXX  business. The business failed and I made my last payment in XXXX of XXXX. The first missed payment was XXXX XXXX. I tried to save the business for the months of XXXX and XXXX, but I could never catch up. They called once a day and tried to collect the money, but the business was a complete loss and I was unable to make any further payments. While speaking with one of the representatives she stated " OK well if you are unable to make a payment, we will do what we have to do to get out money. '' We were living off of my husbands income to pay our bills as usual and did not use personal funds to pay off bad business debt. I planned on filing for bankruptcy in XX/XX/XXXX. On XX/XX/XXXX, we saw a withdrawal of $ XXXX from our savings account taken by Wells Fargo . They said they had the right to take the money without my authorization because I was the guarantor. I have no qualms with that statement. My issue is that they did not allow me time to file for bankruptcy, they did not offer a settlement and they never sued me/the business for it. THEY ALSO NEVER NOTIFIED ME ABOUT MY RIGHT TO DISPUTE OR RECTIFY THIS DEBT. They just took it from our personal savings account! All business cards and accounts with Wells Fargo were kept separate from our personal accounts. They found an account with my name on it ( and my husbands ) and helped themselves to our savings. Also the fact that they took this from us weeks before XXXX is also unethical. My children will now not have a XXXX due to Wells Fargo and their downright illegal activities and policies. We also received no correspondence from them stating their intentions, which would have given us time to withdraw all of our money and close accounts. They are underhanded and a disgusting company. We have banked with them for 15 years. They weren't willing to work with me over XXXX XXXX dollars or take the proper steps to settle this account. XXXX dollars to a multi billion dollar company is pennies, but to a middle class family with XXXX small children on one income, XXXX is a HUGE detrimental loss to our finances and PEOPLE NEED TO KNOW. They refused to give us one cent back and they refused to discuss this further. They told us to feel free to waste our money on attempting to get this $ back, but it will do us no good. They moved too fast for a first time business owner and didn't offer me any options to resolve the debt. ZERO options. 

They play GOD and they are Bullies. They don't care one BIT about their customers. All they care about is money and THEY WILL SCREW YOU OVER. DO NOT TRUST THEM WITH ONE CENT. 

Also, when we called XXXX XXXX, the representative on the line said that they get dozens of calls each day about this same thing. Wells Fargo just helping themselves to peoples money. They do whatever they want. She said to NEVER, EVER EVER bank with Wells Fargo. They are rated one of the worst banks.
Product: Credit card

I have a credit card with Bank of America. I opened an account with the Bank XX/XX/XXXX. During that time I have had many issues with fees being charged. After opening my account, I got a credit card associated with the checking and savings account. I closed all of my Bank of America accounts XX/XX/XXXX, but I kept the credit card. 

I made a payment of {$200.00} on the credit card account, attempting to use their billpay service as my payment service through my primary bank, XXXX, can be unreliable. For some odd reason, the system was n't taking my information so I abandoned the efforts to use their account, re-entered all my information through XXXX, and made the payment through XXXX. Bank of America took the XXXX payment, but then also tried to process the second payment. And charged me a returned check fee to boot. Notably, I was NOT using a check, merely their payment system, which failed. 

The bank then closed my card at some point ( I am not sure when ; the account appears open online, but I was transferred to collections when I called about the fee ), and they are refusing to refund the fee. They even refuse to tell me who to contact to request that the fee be refunded. I 've made XXXX separate requests and been transferred to numerous departments.
Product: Mortgage

Received Trial modification papers XXXXXX/XX/2023 by mail. Trial has XXXX payments of {$510.00} XXXX trial payment due XXXX XXXXXX/XX/2023. XXXX trial payment was made by XXXX amount {$510.00}. There is a foreclosure sale date for my house XXXXXX/XX/2023 even though I received trial documents in the mail. I read this is dual tracking please help. Dont want my house to be sold in foreclosure sale
Product: Debt or credit management

some time in the year XXXX, i paid XXXX XXXXXXXX XXXX up to about {$12000.00} and i was still left in debt. I stopped paying them but never recieved and result.