23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am disputing the collection account with TEKCOLLECT INC account number XXXX, dated XX/XX/year>, with a balance of {$1500.00} This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that TEKCOLLECT INC provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit card or prepaid card

For almost 7 months I have contacted American Express to fix an issue to where they are not applying for my payments according to the terms of the agreement. Every month they have stated that they would take care of the issue, however, they never have. This is not a new issue and they are not blind to the fact that it is happening unless it is willful blindness. I make more than the minimum payment every month but they do not break the payments up according to the contract.
Product: Credit reporting 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 with a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Today, I am uploading this immediate follow-up to address an ongoing issue of being victimized by fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Section 605B, Credit Reporting Agencies are mandated to eliminate any items delineated in an identity theft report, bearing reference number XXXX. Enclosed are documents aimed at facilitating the removal of incorrect personal information and inquiries erroneously recorded on my report. Below is an inventory of items opened without my authorization : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ), the Credit Reporting Agencies are required to remove any items from a consumer 's file that the consumer identifies as resulting from alleged fraudulent activity, no later than 4 business days following receipt of such a claim.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Several dispute letters have been sent to address the inaccurate information on my credit profile. ATTACHED, YOU WILL FIND A FEW OF THOSE DISPUTE LETTERS REPORTING INACCURATE INFORMATION!! THE INACCURATE INFORMATION HAS BEEN HIGHLIGHTED IN RED MARKS. 

THIS ACCOUNTS WERE CHARGED OFF, AND I DIDNT RECEIVE A 1098 FORM. THIS IS FRAUD BECAUSE IT IS STILL REPORTING THIS ON MY CREDIT. I AND CFPB WILL BE REPORTING THIS TO THE IRS UNLESS THIS IS DELETED.

Under the Fair Credit Reporting act. The List of ACCOUNT BELOW has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : -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 the agency can not furnish an 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. 


XXXX XXXX XXXX - Account number - XXXX XXXX XXXX XXXX XXXX - Account number - XXXXXXXX XXXX XXXX Account number - XXXX
Product: Checking or savings account

I received a notice that my account had been temporarily locked and is under review. I received this letter by mail on XX/XX/2021. With this notice came the inability to access my account online, pay bills, or access the account at a branch location ( this includes the ability to withdraw or deposit funds ). I called the fraud division to try to help answer any questions and even went into multiple branches to aid the process. All personal from the company informed me that there was no information they could give me, no time frame, and no one to talk to about the issue. This is still ongoing and it has been 40 days as of XX/XX/2021. I have no way to pay my bills, access my funds, and I can not get somebody to explain to me what is going on.
Product: Credit card or prepaid card

Unauthorized Transactions XX/XX/23 {$100.00} XX/XX/23 {$400.00} Atm cash withdraws I tried to withdrawal money from the atm on XX/XX/23 and my transactions kept getting declined stating that I reached my daily withdrawal limit. Upon checking my account I noticed my account had two unauthorized withdrawals in California in the amounts of {$100.00} and {$400.00} totaling in {$500.00}. I contacted Way2Go customer service and the representative was very rude and kept insinuating that it was me and there would be nothing they could do. She still did file the claim for me which I never received my paperwork to send in which they automatically denied my claim nor did I receive a new debit card. Ive had to call them over and over to get the investigation results, which is where they didnt investigate. After months of calling I finally received my new card on XX/XX/23
Product: Credit reporting or other personal consumer reports

I am writing to formally request an immediate freeze on my credit report due to unauthorized transactions and inaccuracies caused by a recent data breach. I have noticed discrepancies and unauthorized activities on my credit report, which have raised concerns about the security of my personal information. 

To ensure the safety of my financial information and prevent further misuse, I kindly request that you process a credit freeze immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. There has been an unauthorized credit inquiry that has been performed without my expressed, or written, permission. 

XXXX Inquiry - XXXX XXXX XXXX XXXX XXXX XXXX Inquiry - XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Inquiry 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 Attached you will find an email from XXXX acknowledging the unauthorized attempt, as well as proof that they were aware of our cancellation on XXXX XXXX 14 days before the unauthorized credit inquiry.
Product: Debt collection

Over the course of 1 and a half. Ive received countless phone calls, emails and text. Starting XX/XX/XXXX and continuing in present time. I have received over 30+ calls and my mother who has nothing to do with this was contacted by agents of the corporation. A certified letter was sent XX/XX/XXXX with a return receipt that was signed and sent back asking for the detailing on the alleged account, but no correspondence came in the following as I continued to be harassed during the day and after business hours. I sent another letter via certified mail with return recipients on XXXX asking again for the accounting of alleged account and a cease and desist accompanying the letter. I have yet to receive a return receipt or documents relating to my letter or alleged account. To add as Im righting this complaint Im contact again via phone call
Product: Mortgage

On XX/XX/2020 I called the ( Refinance Department ) of my mortgage company ( Specialized Loan Servicing ) and after waiting for quite a while, I am told ( by recording ) to leave my name and number and they will call back in ( 24 ) hours. 
I waited the next day for the call and after not receiving a call-back from the mortgage Servicers at approximately ( XXXX XXXX  ) I called the customer service number and told them that if they could pass on information to ( whomever necessary ) that their Refinance Department was not answering or returning customers phone calls. 
So at approximately ( XXXX ) I receive an unidentifiable phone call with an area code [ XXXX ] and by chance redialed it back, and it was a representative from ( Specialized Loan Servicing ). I dialed him back at least ( 4 ) times and he never picked up the call. I left a message ( my name and number ) after the first call and stated that this is an unidentifiable number he called me on for the mortgage servicing company, and I had called ( 24 hours ) ago and needed him to call me back. He did not.

So after trying to get him back for approximately an hour, I called the Customer Service Line and was connected to someone in Arizona ( who appeared to not know what he was doing ) was stating to me that, that phone call from ( XXXX ) was not on his long. I stated to him what is it Im suppose to do, I have the persons number and message on my phone stating he is with ( Specialized Loan Servicing ) ; And asking me to wait another ( 24 ) hours. So that Arizona personnel stated ( aggressively ) that he was checking and had to check deeper into the matter while I hold on. And during the time of being on hold, he disconnected me from his line and sent the call to a vague recording. And I hung up.
Product: Debt collection

American Coradius International, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Subject : Debt Validation and Assignment of Contract Request Account Number : XXXX Dear Sir/Madam, I am writing to request validation of the debt that your company claims I owe, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Additionally, I request a copy of the assignment of the contract or proof of transfer of the original creditors rights to American Coradius International, LLC. 

Please provide me with the following information : Validation of the Debt : The amount of the debt.

The name and address of the original creditor.

Copies of all relevant agreements or contracts that pertain to the debt, signed by me.

A detailed account of how the debt amount was calculated, including any interest and fees.

Proof that American Coradius International, LLC is legally entitled to collect this debt, including any documents that show the chain of custody from the original creditor to American Coradius International, LLC.

Assignment of Contract : A copy of the assignment or transfer of the contract from the original creditor to American Coradius International, LLC demonstrating that your company has the legal right to collect this debt.

Any other documentation that supports American Coradius International, LLC -claim that it has been assigned this debt.

Please consider this letter a formal request for this information. If you can not provide these documents, please remove this debt from your records and cease all further collection activities. I also request that you report to all credit reporting agencies to which you have reported this debt that it is disputed and in the process of validation.

I expect a response to this letter within 30 days from the date of receipt. Please send all correspondence related to this matter to the address listed above.

Thank you for your prompt attention to this request.

Sincerely,
Product: Credit card or prepaid card

Someone got a hold of our SS #... They applied to three banks. 
On or about XX/XX/XXXX, XXXX, XXXX XXXX XXXX -- reported to me by XXXX and XXXX XXXX denied XXXX XXXX - reported to me by XXXX and XXXXXXXX XXXX denied CITI BANK.. as reported to me by XXXX ... and Card was approved and sent to my home. 

During this process, we put a FREEZE with all three credit agencies. 
CITI Bank had probably approved card before the FREEZE took effect. 
I called CITI bank to cancel the card... on Friday XX/XX/XXXX, the day I received the card. 

CITI bank had some information about the people who applied. 
Different email address, different phone numbers... that do NOT apply to me
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was disputed, unverified and REMOVED repeatedly yet it keeps coming back on my report. This is illegal and I want this removed. 

XXXX XXXX {$800.00} Removed XX/XX/XXXX. XXXX Removed XX/XX/XXXX XXXX Removed XX/XX/XXXX. XXXX Removed XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX All of these companies 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 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: Student loan

On or around XX/XX/2025, my personal and financial information was compromised without my authorization. 

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach of contract is a clear and undeniable violation of FERPA- as it is your responsibility to safeguard my information in accordance with the referenced law and other privacy laws in place.

Given the severity of this breach and as a result, the unauthorized compromise of my sensitive, financial, and personal information, Under the Privacy Act of XX/XX/1974 ( 5 U.S.C 552a ) federal agencies, such as the Department of Education, is legally supposed to ensure that MY records are used only for the reasons given, or seek the person 's permission when another purpose for the records ' use is considered necessary or desirable ; or, provide adequate safeguards to protect the records from unauthorized access and disclosure. They have notably failed to adhere to this privacy act due to recent third parties accessing my information without notice, as stated above, which is in breach of contract and against the law.
Product: Credit reporting, credit repair services, 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or 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: Checking or savings account

XXXX XXXX : Received the following notice : " Action required : Your account is temporarily restricted. '' XXXX XXXX : Uploaded the requested documents in order to get my account access back. 

XXXX XXXX : Received another notice : " Contact Robinhood Support. '' XXXX XXXX : Received another notice : " Further identification required for account approval. '' XXXX XXXX : Tried to upload further identification however it said they had everything that they needed and that my account was under review. 

XXXX XXXX : Received another notice : " Robinhood Account Information Updated. We recently updated the personal information for your Robinhood account ( XXXX ). '' XXXX XXXX : Call support and was told my account was STILL under review and, after some pushing, was told that my case had been escalated. 

XXXX XXXX : Checked my account and now the review date has been pushed to XXXX XXXX. This date just keeps getting pushed back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report shows XXXX hard inquiries where only two are valid. ( does not show on XXXX ) XXXX XXXX twice in a week due to their own error losing my account information. Should be ONE valid inquiry only. <P/>XXXX XXXX shows two inquiries on same day for same service. A duplication that should appear as only ONE valid inquiry. <P/>XXXX appears even though I never applied to XXXX for any services. Invalid inquiry either mistake or fraud.
Product: Vehicle loan or lease

Hello, We are part of the Wellsfargo class action settlement ; however, we are getting the run-around in a major way. In the fall ( XXXX ), we received a pre-settlement check ( 3 times ) for this class action that we DID NOT cash. We DID NOT accept the settlement amount. We have contracted Wellsfargo by phone and by email, and every time we are told that our inquiry is invalid, either because the lawsuit is for a specific issue, like them opening an account we didn't authorize, or that the lawsuit is closed and therefore we would not be included. At this point, we feel that Wellsfargo is stalling and providing false information on purpose, and we are being stonewalled. 

*In their final response WellsFargo gave us an update/finalize date of XX/XX/23 stating that we would receive payout of class action and/or contact by that date. It is now XXXX and once again WellsFargo is absent from the process.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : XXXX. Name : My current legal name is XXXX XXXX. I request that my name be updated to reflect the correct information. 

XXXX. Address : My current residential address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX. I request that my current address be updated accordingly. 

XXXX. Employer : my current employer is XXXX XXXX XXXX. I request that my new employer be updated as my primary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and I hope all is well. XX/XX/2020, letters were sent to addressed issues : While reviewing the credit profile to Experian/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is due to repeated visits to practices within the healthcare system. Financial assistance was not offered during times of service. While receiving treatments for compromised issues, protocols are in place to ensure the debt will not accumulate. XXXX XXXX XXXX hired a third-party XXXX XXXX XXXX  XXXX to report multiple items on the credit profile. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Product: Credit reporting or other personal consumer reports

I disputed a XXXX XXXX bankruptcy on my credit due to information being inaccurate. They said it was verified but never sent me any of the courts documents to show me it was verified.
Product: Debt collection

The debt was a storage unit that was abandoned, the contents of the unit were sold at auction and therefore the debt was paid by the money collected for the items sold. I was never provided with information on the sale of the contents, i.e. how much the items sold for. 
No one from the Aargon agency could provide me with the details on this, I requested a written accounting of the {$150.00} they claim is still owed and never received it.
Product: Credit card

I contacted the company directly regarding the UNAUTHORIZED credit inquiry appearing on my XXXX credit report. I informed them I had not made any application for credit products from their company. I was advised that the issue would be reviewed and resolved. It has been several weeks and still no resolve. I contacted XXXX directly to resolve the issue as well. To date NOTHING has changed.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX I have a balanve with XXXX XXXX online for a federal pell grant that keeps increasing and it needs to be taken care of im working at XXXX and get paid every 2 weeks. The most my check is XXXX tops and that bary covers rent and monthly living expensinces i have been promised credit lines through XXXX XXXX and yet i have to pay on the cards for the down payment and then for the bigger ones im still not approved even with XXXX and XXXX score..