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

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$560.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$660.00} ; XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX : {$530.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a follow up to complaint XXXX filed XX/XX/2017.
I disagree with the findings of verification stated by the CRAs and the complaint previously brought against the companies has not been satisfied with proof these accounts were validated now removed from my account. Accounts unvalidated were removed from my report by Transunion and I have enclosed the findings of the dispute with this complaint. 

On X/XX/2017 I requested the CRA to furnish : 1. Agreement with the creditor that authorized the CA to collect on the alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I requested the CRA to provide me with a validation of the debt as listed on the attached correspondence. Please note, this was not a refusal to pay, rather a statement that the CA or creditors claim was disputed and validation was demanded. ( 15 USC 1692g Sec. 809 ( b ) ). The CA or the creditor met my request for information and at this time are knowingly reporting information that is inaccurate. By the provisions of the Fair Credit Reporting Act, I demand that these items be removed immediately from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX have violated my privacy right under the XXXX law and my right under the fair credit and billing act and XXXX. I have XXXX party collector continuous making harassment calls about my medical information. Please ask the bureaus to stop and provide full validation of below account and their right to collect. I have requested by certified mail on XX/XX/2021 without an answer back. I have filed a XXXX violation in the attachment. 
XXXX XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS STOLEN XXXX  AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB XXXX 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries from all 3 reports on my credit reports that need to be removed immediatley. 




XXXX XXXX XXXXXXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit Card Cos. 
Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Credit Unions Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX All Banks Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit Card Cos. 
Inquiry date : XX/XX/XXXX XXXX XXXX Credit Card Cos. 
Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX XXXX SER Bank XXXX XXXX XXXX date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX. 
All Banks - non specific Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX. 
All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXate : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX XXXX XXXX  Finance other than personal Inquiry date : XX/XX/XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXn personal Inquiry date : XX/XX/XXXX XXXX  XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX XXXX
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from Portfolio Recovery. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Portfolio Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through XXXX. Attached is my document. Thank you
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. 

Account name : # XXXX XXXX XXXX XXXX  : # 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 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. 

These accounts are reporting inaccurate information and have no been properly investigated by your company!
Product: Credit card

I 've repeatedly tried to file a fraud complaint with my Banana Republic XXXX XXXX serviced by Synchrony Bank. The fraudulent charges were made on XXXX XXXX, 2015. When I first tried to file my fraud complaint, I was told that I had successfully passed along all information and that an investigation would be completed. I repeatedly called asking for an update and was told that they could not provide an update and that I would receive correspondence regarding the investigation. Four months have passed, and I have now spent more than an hour on the phone only to be told that the fraud department never received the complaint, and that the fraud department ca n't file my complaint without the statements from that month, to which they do n't have access. I no longer have access to those accounts online, because the bank closed the account as soon as I reported the fraud and issued a new card. For reasons passing understanding, the bank 's customer service department has access to the statements necessary to file the complaint, but can not file the complaint for me, according to. And although the fraud department is the only department that can file the complaint, according to the fraud department, they do n't have access to the statements. And, when I called the customer service department to get the necessary information, I was told that they could file a fraud complaint, although I previously relied on this information when I filed my initial complaint, and was later told that this was inaccurate. 

In essence, it seems that Synchrony Bank is taking every step necessary to obfuscate and block their customers ' attempts to report fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, Account # XXXX ( XXXX XXXX XXXX  ) Account # XXXX ( XXXXXXXX XXXX  ) Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ) The Accounts above Has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I stayed at the XXXX XXXX XXXX in XXXX, WA XXXX XXXX XXXX and used my current card to pay the {$50.00} security deposit at the hotel. The hotel has since refunded that {$50.00} deposit, I have multiple emails confirming both that it was refunded and that I did not incur any expenses that would have reduced that refund directly from the hotel. Current is refusing to release the {$50.00} to me until it has been 30 days despite seeing that the hotel has in fact sent it back to me. I cant afford to wait 30 days, and when I paid the deposit it was with the expectation that I would receive the deposit back to my account within 1-48 hours of checkout. I stay at hotels several times a month, never have I had to wait more than 48 hours for my deposit, and typically receive it back the same day I checkout. I would not have been able to afford the hotel stay under the parameters of being forced to wait 30 days to receive my money back. I understand the longer the bank can hold the money the more money they can make by investing it. But it is my money. Not having it is significantly affecting my ability to pay my bills and there is no reason they should hold it from me for 30 days when the hotel has told them to give it back to me on the XXXX.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXXXXXX XXXX account number : XXXX
Product: Checking or savings account

XX/XX/XXXX bank statment says purchase authorized when calling the # it says it is fraud XXXX XXXX then on XX/XX/XXXX ist says Purchase authorized on XXXX XXXX  XXXX XXXX XXXX all say done in XXXX  took out {$3200.00} without our approval!!!!! 
Wells Fargo says they investigated it ( which they did not ) and wont give us our money back Which is alot of money to us.
Product: Debt collection

I am getting numerous calls a day from XXXX, XXXX, and XXXX. They never leave a message or reply when I pick up the line. I found out the company, CBE Group is a collection agency because I did an internet search of the XXXX numbers above. I have never received written communication from this agency and I do not know who they are searching for as they do not leave a message. I am complaining because they are calling multiple times a day, from different numbers. It is harassment and a violation of the Fair Credit and Collections Act to not identify themselves as a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the inaccurate and inconsistent credit reporting practices of several creditors. Specifically, I have identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ). 

These violations have greatly impacted my life, making it difficult to obtain credit and negatively affecting my credit score. For instance, my XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) account has been reported inaccurately to all three credit reporting agencies ( XXXX XXXX XXXX, and Equifax ), with inconsistent reporting of the Last Verified type, Date of Last Activity, and Final Payment. Additionally, XXXX and Equifax failed to report my XXXX XXXX XXXXXXXX ) account, and inaccurate information has been reported for my XXXX XXXXXXXX ( XXXX ) and XXXX XXXX accounts, including the High Balance, Last Verified type, Date of Last Activity, and Closing Date. Furthermore, the reporting of the High Balance has been inconsistent among XXXX, XXXX, and Equifax for my XXXXXXXX XXXX XXXX  XXXX ( XXXX ) and XXXX XXXX ( XXXX ) accounts. 

These errors have caused significant emotional distress, making it challenging for me to secure loans and credit at reasonable rates. It is my belief that these creditors have violated the FCRA and FACTA by failing to provide accurate and consistent information to the credit reporting agencies. 

Therefore, I request that you enforce the legal provisions of these acts and require the creditors to remove the unverified collection accounts from my credit report. Your prompt attention to this matter is greatly appreciated. 

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

XXXX XXXX XXXX has giving me unreasonable opt out means and is furnishing my nonpublic information to non affiliates. I am exercising my right to OPT-OUT of XXXX XXXX sharing my information and directing them to cease the furnishing of my information to the all consumer reporting agency, pursuant to Title 12 Chapter X section 1016.7 ( h ) of regulation P. Per section 1016.7 ( g ) or regulation P, capital one must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. 5 business days is reasonable and practicable.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I reviewed my credit report and found a collection account from Credence Resource Management that I do not recognize. The account is for an alleged debt related to XXXX XXXX XXXX, which I dispute. I do not believe the debt is valid, and I have requested validation from the collection agency under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I have sent a formal debt validation request to Credence Resource Management, asking for proof of the debt, including any signed agreements, a detailed accounting of the charges, and verification of the original creditor. To date, they have not provided any documentation validating the debt, yet they continue to report this information on my credit report. 

I am attaching a copy of the letter I sent to the collection agency for your review. I request your assistance to ensure that Credence Resource Management complies with federal law and ceases reporting this debt until validation is provided
Product: Checking or savings account

My bank sent a check for {$500.00} on XX/XX/2022 to be deposited into a certain account Chase deposited the check into an account but not the correct account. I sent Chase a letter on XX/XX/2022 asking them to put the money into the correct account or refund my the {$500.00}. I have not received the money back or the account has not been deposited the {$500.00}. I called my bank ( XXXX  ) and Chase and could not get help from either. I included with my letter a copy of the back and front of the check which was provided to me by my bank showing when it was deposited.
Product: Debt collection

UKNOWN ACCOUNT IN THE AMOUNT OF {$640.00} ORIGINATED XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sued by XXXX XXXX XXXX XXXX. on behalf of XXXX XXXX XXXX for a credit debt I do not owe. I received a judgment against XXXX XXXX XXXX from the XXXX District Court. XXXX XXXX XXXX is still reporting the incorrect information on my credit report. I disputed the incorrect information with the credit report, but it was not removed.
Product: Credit card

On XX/XX/XXXX, I was checking my personal email account that is used primarily for online shopping, and I noticed emails from XXXX XXXX Notifications regarding an online purchase for pickup in a store in XXXX, IL. 

The first email was sent on XX/XX/XXXX regarding order # XXXX. The order was an online order for a curbside pickup of a XXXX XXXX. The email said that the order was waiting to be fulfilled. 

The second email was received on XX/XX/XXXX, and it said the order was ready to be picked up. 

I logged into my Chase Visa account immediately and noticed two charges from XXXX XXXX in my pending transactions. One in the amount of {$540.00} ( for the XXXX XXXX ) and a second for {$410.00}. 

I called Chase Visa immediately to inform them that both charges from XXXX XXXX were fraudulent. 

I then called XXXX XXXX corporate to inform them that these charges were fraudulent. The XXXX was picked up, but the second order was for an XXXX, and XXXX XXXX was able to cancel this order because I called. 

The {$410.00} charge was removed from my pending charges by the next time I logged into my Chase account. The {$540.00} charge took several days to be removed. 

On XX/XX/XXXX, the charge for {$540.00} was added back to my Chase Visa transactions. When I called Chase, they told me it was because XXXX XXXX said that I made the charge, because my Name, Address, and phone number was used. They said that they would send this case back to the fraud department, and some would get back to me within 5 days. 

I also called XXXX XXXX to complain. They acknowledged that I had called them about the XXXX fraudulent purchases on XX/XX/XXXX. They also acknowledged that they were able to cancel the second purchase because I called on XX/XX/XXXX. 

I make frequent online purchases at XXXX XXXX, and my name, address, phone and credit card information is stored on the XXXX XXXX website. 

This purchase is fraudulent, and I believe it is an inside job at XXXX XXXX, because all of my information is saved on their website. Additionally, any other time I have made an online purchase for curbside pickup, XXXX XXXX has sent confirmation communications via text message. 

I called Chase again on XX/XX/XXXX, and they are now saying that it will take 16 days for the fraud department to get back to me. 

I am scared that I will be stuck paying for a fraudulent purchase. 

Please help!
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX for XXXX XXXX XXXX and FCRA Provisions To Whom It May Concern, I am writing to dispute inaccurate and fraudulent information appearing on my credit report resulting from the recent XXXX Data Breach of XX/XX/year>. This breach exposed sensitive personal and financial information, compromising my identity and resulting in unauthorized activity and inaccuracies on my credit file.

Under Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to block fraudulent information from their credit reports if they are victims of identity theft.The Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. Additionally, I invoke the provisions of the Uniform Commercial Code ( UCC ), specifically UCC 1-308, which allows me to reserve my rights and request immediate removal of the inaccurate entries. 
The disputed accounts and items are as follows : XXXX XXXX  Account # XXXX & XXXX XXXX  XXXX Account # XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, FB & T/MERCURY Accounts # XXXX, XXXX SYNCB/TJX Account # XXXX, XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX BANK TRUST ) Account # XXXX XXXX XXXX ( Original Creditor : WEB BANK ) Account # XXXX XXXX BANK XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX CBNA Account # XXXX TRANSFORM CREDIT XXXX Account # XXXX Inquiries XXXX XXXX Bank Credit Card XXXX XXXX Bank Credit Card XXXX XXXX BANK XXXX Bank Credit Card XXXX XXXX this XXXX XXXX XXXX will find the following documentation to support my claim : A copy of my credit report with the disputed items highlighted. 
Documentation proving the breach of my personal data in the XXXX incident. 
A copy of my government-issued ID and proof of residence for verification purposes. 

As required under the FCRA ( XXXX XXXX. XXXX ), I request that you conduct a thorough investigation of these items. If you can not verify their accuracy, they must be promptly deleted from my credit file. 
Additionally, under XXXX XXXX, I reserve my rights without prejudice and demand full compliance with my dispute, ensuring no further harm arises from the breach. 
I expect a written response within 30 days, as mandated by the FCRA, confirming the results of your investigation and detailing the actions taken. Should this matter not be resolved satisfactorily, I am prepared to escalate my dispute by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant agencies. 
Thank you for your prompt attention to this matter. Please contact me at ( XXXX ) XXXX or XXXX if you require additional information. 


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

I have attempted on numerous occasions to request my annual credit from Experian, XXXX and XXXX, respectively. Each request has been denied and I have been asked to submit a payment by mail. I wish to view my free credit report ONLINE. I have only used ONE name my entire life and I have only used ONE social security number my entire life. So I am concerned about the difficulty these companies appear to encounter when processing my request.
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 ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent ar address 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations