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

I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX
Product: Checking or savings account

On XX/XX/22 we send a birthday card and check for {$1100.00} to our daughter through thXXXX XXXX XXXX XXXX This check cleared our bank on XX/XX/22 and XX/XX/22 we caught it being cashed for the amount of {$5100.00} with the name on the check being XXXX XXXX. The same day we reported this to our bank 's fraud department ( Old National Bank ) and to our Police Department ( XXXX Police Department ) filling out all required forms for both. We want to press charges against the person responsible and Police Incident Number is XXXX, XXXX XXXX : XXXX and his badge # is XXXX. This forgery took place over three months ago and all our bank will tell us is, that the check was chased at a XXXXXXXX XXXXXXXX and that it is up to them to return our money. The check was clearly forged and all we are getting is a run around. We're retired and need our money back. 

If you need more information just let me know.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Formal Dispute Violation of 15 U.S.C. 1681o ( Civil Liability for Negligent Noncompliance ) Dear Equifax Dispute Department, I am formally disputing the inaccurate and unlawful reporting of the collection account listed below : Creditor Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX This account is being reported in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which holds credit reporting agencies liable for negligent noncompliance. I have previously notified Equifax of inaccuracies regarding this account, yet you have failed to take appropriate corrective action. Your failure to conduct a reasonable investigation and ensure maximum possible accuracy constitutes negligence under the FCRA. 

I demand the immediate removal of this account from my credit file to prevent further harm to my credit standing. If this matter is not resolved promptly, I will have no choice but to explore all available legal remedies, including but not limited to pursuing legal action for damages. 

Please send me written confirmation that this account has been deleted from my credit report. If you verify the account, provide me with a detailed description of your verification process, including the name and contact information of the individual who conducted the investigation. 

I expect a resolution within the legally required 30-day timeframe, as mandated by the FCRA. 

Sincerely, XXXX XXXX XXXX
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. 

The accounts below have violated my rights : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX. Account Number : XXXX XXXX XXXX XXXX XXXX, Account Number : 316293418 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

My financial institution Capital One Bank placed a hold on my checking account numerous times from the time I opened the account online with various times of providing proof of my identity which was confirmed each time requested. The holds pertained to all access being frozen no access to my funds nor withdrawals. The financial institution would not give notice or reason for such holds or freezing of account. Capital One Bank has had my checking account on hold with XXXX access to the account for more than XXXX weeks and refuses to give me reason to why they are doing this to my account. Capital One Bank refuses to discuss the details and claims my account is being internally reviewed and will not provide any details further.
Product: Credit reporting or other personal consumer reports

By the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 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 15 U.S.C. 1681 Section 602 A :. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 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 and 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. 1681 1681 s-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

Upon reviewing my credit report, I saw that I have 2 inquiries on my TransUnion report from XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX that I have not authorized. I made contact with XXXX and they advised me to make contact with the TransUnion because they have no way of removing this information. In the past 90 days, Ive sent 3 letters to TransUnion with the last one dated XX/XX/XXXX. The communication I received back does not acknowledge the unauthorized inquiries in question and stating that the dispute is complete. The letter only explains how to read a credit report and not showing results of the unauthorized inquiries. The inquiries are still remaining on my credit report as of XXXX XXXX, which is violating my Fair Credit Reporting Act.
Product: Credit card or prepaid card

American Express and XXXX mailed me an offer for a new credit card. I would receive XXXX XXXX miles after charging {$3000.00}. I made all the charges on time and Amex would not give me the bonus miles.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company keeps harassing me when I did not have any type of business with them not have I ever given them my information, I also have never given anyone else or any other company the authority to give out or sell any of my personal information. They also keep changing the amount on this collection and keep reporting it to the bureaus falsely and incorrectly every week. Get this mess off of my report.
Product: Credit reporting

I 've repeatedly told XXXX, XXXX XXXX, XXXX, and now XXXX, that the delinquent student loan document # XXXX is not mine. I did not fill out the loan documents nor did I sign them. This student loan is for XXXX XXXX. I did not attend XXXX. I 've reported to all XXXX credit bureaus that this is not a valid loan and shown proof of signature verified by an XXXX Notary here in XXXX county. Someone created this loan in my name and NYHESC will not wish to recognize my argument. I 've repeatedly have been denied credit for home refinancing and purchase because of these false derogatories. IT ISNT RIGHT THAT I SHOULD SUFFER BECAUSE OF XXXX 'S CARELESSNESS IN LOAN PROCESSING! Frustrated, I have on retainer XXXX XXXX Attorney of Law Bar number XXXX. Feel free to contact me at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection account is being reported as an open account which is not under FCRA compliance and is also inaccurate reporting!
Product: Bank account or service

My wellsfargo card was lost and/or stolen. I reported, and received a new card. Before, my card was lost or stolen, my boyfriend and I had previosly purchased some items with XXXX. On XXXX/XXXX/XXXX, two payments were made to XXXX. However, I did not provide my new card number to XXXX. On XXXX/XXXX/XXXX, XXXX charged my new bank card XXXX seperate charge amounts. They informed me that I called and told them my new card number on XXXX/XXXX/XXXX at XXXX.However, I did not provide them this information. When I called Wells Fargo to dispute these charges, they denied me the dispute. They stated that my new card number was provided to the merchant, " XXXX '', by XXXX XXXX. Basically, I did not provide authorazation for these payments, I want my money back. How can a merchant retrieve my personal information without first contacting me. How can my bank provide my personal information without first contacting me. The merchant account is not even in my name, it is in the name of my boyfriend. Their has been a breach of privacy.
Product: Debt collection

They just kept calling, sending letters, text messages.The company was attacking and threatening me to pay a bill I did not have. I disputed the calls and sent letters, but the harassment just kept going.The creditors had the same bill and it was the same account but it was on different creditors. 
XXXX XXXX {$470.00} XXXX
Product: Credit card

Synchrony Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Dear sir, I have received an email from your branch on XX/XX/24 regarding my closed TJX Rewards Platinum Mastercard . Your attached document stated that there were no fraud activities on my closed credit card. I have complained just I could not use the reward certificates and complained it. I did not care whether there were fraud activities or not, since I paid off everything. I just missed the opportunity to enjoy using rewards. Anyway, your company interest rate is high ; therefore, it might be better to close. I received the bill and paid off the amount of {$470.00} today through my banking account. There is one reward certificate ending numbers are XXXX, even though I am not sure whether I can use it or not. I strongly believe it is not usable since I could not use several in the past. I always wonder why there are so many branches relating all matters I am working on, which cause the confusion on the customers side. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not take appropriate measures to secure my personal information including SSN and was breached. This has now left me exposed for the rest of my life. I will incur several costs now to monitor my credit even more closely.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00}, XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Debt collection

XXXX XXXX  I received the email from Gates stone with proof of verification of debt from XXXX XXXX XXXX. I responded to the same email XX/XX/XXXX  asking for proof of validation of debt. XX/XX/. I then emailed again requesting proof of validation of debt with no response to neither email with the appropriate documentation. I didnt requested that this collection be ceased as they do not have the appropriate documentation to prove the validation of this debt claim to be mine.
Product: Credit card

We had our credit cards stolen and reported the charges as fraudulent. One of the charges did not get taken off. We have called numerous times to fix the issue. The investigation department confirmed the fraud but we still have a negative rating that is affecting our credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my situation, I have a satisfaction letter from a debt collection agency that was given to me. I have taken this and disputed all 3 credit reporting agencies. The results of their investigation has been unchanged and updated. I am trying to resolve a closed account under my credit report that is stating as a Charge Off/Collection from a repo and it needs to be changed to a settled debt. I have contacted all 3 parties and their managers of credit bureaus, XXXX XXXX ( original auto loan lien holder ) and XXXX XXXX XXXX which is formerly known as XXXX XXXX XXXX XXXX ( debt collection agency who purchased the debt ) to see what they can do. They all give me the runaround saying that there is nothing they can do to update my report. Here is my satisfaction letter attached to this complaint. I settled the account for less than the full amount of {$1500.00} for it to be closed. 

When I have spoken to XXXX XXXX, and XXXX  's dispute center over the phone their response for the unchanged status of that closed account is that they are only a reporting agency and that they have received a satisfaction letter but give this information to XXXX XXXX to verify. They said to contact XXXX. I have contacted XXXX and spoken to a supervisor over the phone named XXXX XXXX and she advised that there was nothing she can do as once the debt has been charged off and sold to another lender they wipe their hands clean with it essentially. As I contact the general manager XXXX of XXXX XXXX XXXX through his direct phone number he says that this scenario has never happened to him and that they do not report to the credit bureaus. He say 's " he acknowledges the debt has been settled as he knows i have the satisfaction letter but there was nothing he can do and to then further contact the bureaus again. 

The status under these accounts still are under Charge-off/collections and not settled. At the time all of these parties were contacted were the date of XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just look at my credit report again and according to 15 USC 1681e ( b ) you are supposed to provide MAXIMUM accuracy of my credit report. 

ACCOUNTS XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX # XXXX DELETE THIS ACCOUNT because of violation of 15 USC 1681e ( b ), 15 USC 1681i ( 5 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my credit report in which XXXX, XXXX, and Transunion have yet to address.
Product: Credit reporting or other personal consumer reports

Someone has all my personal information and have been putting stuff in my name I called experian to get it off but nothing I got a email but no change to the matter
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX, XXXX account # XXXX, XXXX XXXX account # 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

according to FRCA sectign 605b, it is illegal to report information on my credit without my permission ; thank youplease remove this from my credit report.
Product: Debt collection

On reviewing my credit report, I discovered inaccurate information listed under the account number XXXX, reported by NCA ( National Credit Adjusters ). The highest balance shown is {$590.00}, but this information is incorrect. Furthermore, I have not been notified by NCA of any changes to the account or any overdue payments, which is a violation of the notification requirements under the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, I have the right to dispute any inaccuracies on my credit report. The inaccurate entry, combined with the failure to notify me about this issue, is adversely affecting my creditworthiness. Therefore, I request that NCA immediately remove this inaccurate information from my credit report and provide documentation to support the claim that it was correct. 

I ask that this item be fully deleted from my credit report as required by law, and that NCA notify me with written confirmation of this correction. 

I would appreciate your prompt attention to this matter in accordance with the FCRA, which mandates accurate reporting of information.
Product: Money transfer, virtual currency, or money service

I had {$34000.00} in XXXX  bank account and in less than a month its all gone. I have tried to dispute it with XXXX I have filed on identity theft.gov put a place to credit freeze but I still dont know what happened to my account. 
I know that I would go to the ATM for the first time, and it would say Ive already exceeded my daily limit. None of it makes sense to me. also, I found a Western Union email and when I called Western Union and told her I think I might have identity theft and that the accounts were not mine she deactivated my account and then told me that I should go to the police department because of my finances, she said that there was something wrong
Product: Credit card or prepaid card

After waiting over 5 weeks to get the XXXX debit card, we are not able to obtain a PIN number or create an online account in order to make use of the funds. When calling, we are given a recorded message requiring that we use the Bank of America Pre Paid Card Website in order to access our account, however that website only provides an error. This leaves us without access to the funds needed to pay rent. Without access to the online account, and with their phone support directing us to the website, we can't transfer funds to an account so we can write checks.
Product: Credit reporting

I submitted a reinvestigation dispute into a collection account that Experian is reporting on my credit report. The account in question is a XXXX XXXX account that is reporting incorrectly. I first disputed due to the fact that I have no contract with XXXX XXXX and Experian is allowing a fraudulent account from XXXX to report on my credit report. Experian provided no documentation once the investigation was complete so I submitted another dispute on XX/XX/2017. I received notification that the dispute was completed on XX/XX/2017, however, no documentation was received from Experian regarding how this account was verified. Being that this Experian reinvestigation took only 11 business days, there is no way that XXXX could have verified this account. I am still waiting on a copy of the original contract containing my signature to be sent to me. Experian has failed and neglected to send me any proof that the reporting account belongs to me. Under the FCRA, Experian is mandated to delete any information that can not be verified. They are in violation of 1681 ( a ) ( 4 ) of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are continuing to report inaccurate information on my credit file, accounts that are not mines, inwhich I'm holding them accountable for, for reporting un verified accounts. Accounts inwhich has not been physically verified by physical documentation but by electronic Verification alone, inwhich by law and as a general rule can not be accepted as proof .So I'm demanding that either these accounts be physical verified or block these accounts immediately. 

1 ) XXXX XXXX  2 ) XXXX  XXXX XXXX 3 ) XXXX XXXX  4 ) XXXX XXXX 5 ) XXXX XXXX {$8800.00} 6 ) Dept of Education {$4500.00} 7 ) Dept of Education {$3500.00} 8 ) Dept of Education {$2200.00} 9 ) Dept of Education {$2100.00} 10 ) Dept of Education {$2000.00} 11 ) Dept of Education {$1700.00} 12 ) Dept of Education {$1700.00} 13 ) Dept of Education {$1300.00} 14 ) Dept of Education {$1000.00} 15 ) Dept of Education {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXXXXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$340.00}