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

Subject : Cease and Desist and Dispute of Debt Collection Reporting To Whom It May Concern, This letter serves as a formal dispute of the debt you are attempting to collect and as a notification that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), to request that you cease all further communication with me regarding this alleged debt. Additionally, I am disputing the accuracy of the reporting of this debt on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ). The debt in question is as follows : Acco
unt Name : XXXX XXXX XXXX  Amount Alleged Owed : {$29000.00} Request to Cease Communication Under 15 USC 1692c ( c ), you are hereby notified to cease all communication with me regarding this debt. Any further communication, other than those allowed by law, will be considered a violation of the FDCPA and subject to legal action.

Dispute of Debt and Reporting I dispute the validity of this debt and the accuracy of its reporting on my credit report.

The Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), requires that credit reporting agencies maintain maximum possible accuracy in their reporting. If you can not provide verifiable proof that this debt is valid and belongs to me, it must be removed from my credit report immediately.

Action Requested Provide Validation : Send me documentation validating the debt, including the original contract and payment history.

Cease Communication : Cease all further attempts to contact me regarding this debt as per 15 USC 1692c ( c ).

Update Credit Report : If the debt can not be verified, remove it from my credit report and confirm in writing that it has been deleted.

Please consider this letter a formal dispute under both the FDCPA and FCRA. Failure to comply with these laws will leave me no choice but to report your violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

Thank you for your immediate attention to this matter. I look forward to receiving your response within the timeframe required by law. If you need further information, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 

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

This company XXXX XXXX which I hold no CONTRACT with nor have received services from reported a credit account against my SSN in the amount of XXXX with Transunion, XXXX, and XXXX credit reporting agencies. I requested VALIDATION under the fair credit reporting act and verification of debt however the company failed to provide adequate proof of my identity or validate debt. The letter was sent at the beginning of XX/XX/2018. The account was not placed in dispute on my credit report while under investigation. The debt was not validated within 30 days, as after 30 days without debt validation account to be deleted. considering this business does not have a contract with me for goods nor services they have provided adequate proof of application and identity or proof i am not obligated to pay for the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit union, XXXX XXXXXXXX, advised me that my personal information may have been compromised by Equifax in a hacker attack. I was given the following webpage : https : //www.equifaxsecurity2017.com/ following the link on XXXX XXXX, XXXX. I was directed to another website to verify that my personal information was stolen, following the instructions to arrive at the website : trustedidpremier.com I entered the last six digits of my social security number and my last name was told that, in fact, my personal data had been stolen. I was told that my enrollment date was XXXX XXXX, XXXX and that I should return at that time to sign up for credit monitoring service. 

On XXXX XXXX, XXXX I discovered that Equifax set up a bogus website to tell all visitors that their data had been compromised. I discovered this by being directed to the following website : https : XXXX Someone investigating the Equifax website had entered fake data and was still told that, in fact, they should sign up for data monitoring service. 

I was defrauded. I was tricked into thinking that my data was compromised to sell me a service to repair damage for which Equifax is responsible for.
Product: Checking or savings account

I reported to my banking institution Navy Federal Credit Union in the amount of {$3200.00} I have provided all supporting documentation and they have found my claim unfounded. I desperately need your assistance because its not fair for them to just keep my money. 
Please help me to recover my money or at least provide me with the best course of action to take. Thanking you in advance for your cooperation with this matter.
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) charged me on my account in error of {$170.00} and employed Diversified Consultant a third party collection agency to retained monies not was not owed. The account was put on my credit reports, which was incorrect. XXXX XXXX, XXXX XXXX XXXX Office of President have submitted several request to have the account removed from my credit reports. Additionally, A refund was sent to me regarding my account and other fees. On XX/XX/, I faxed an official letter for XXXX XXXX XXXX and email correspondence as supporting evidence. On XX/XX/, I called Diversified Consultant to get the account removed and was met with opposition from one of their reps. She admittedly stated that understand that the account was in error and of " NO '' of mine, they would not remove the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Section XXXX of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports XXXX XXXXXXXX XXXX XXXXXXXX In general. Subject to subsection ( XXXX ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : Therefore, in accordance with XXXX ( XXXX ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that you immediately delete this information from my credit reports. 


XXXX XXXX XXXX XXXX  XXXX, Paragraph ( XXXX ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX { b } that your claim is disputed and validation is requested
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly ( 60 ) days late on the XXXX partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Remove inaccurate personal information. I have contacted both XXXX and Experian to have this erroneous information. I sent a certified letter on XXXX XXXX. It was received and signed for on XXXX XXXX. I sent another letter to investigate the erroneous information on XXXX XXXX and there was still no investigation conducted nor results provided. I have since mailed two additional investigation requests which have also been received by each credit bureau. None of these investigation requests have been investigated nor action taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a certified letter to Experian XX/XX/23- I have attached this letter to this complaint. I also resent this letter to Experian on XX/XX/23 and received no response. I received a letter back from stating that they received my letter and have taken no action as it seems the letter was not sent by me. I reviewed my credit report, typed up the letter, and I sent this letter certified from my local post office. Experian has on multiple occasions refused to take any action on investigating incorrect items on my credit report, stating that the information is not being submitted by me, which is incorrect.
Product: Credit card or prepaid card

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX/ XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX/ XXXX XXXX ) # XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 card or prepaid card

I have a Sony rewards Comenity Visa card, that usually awards points for every purchase. over the last three months instead of awarding points, my balance shows in the negative even though I've made our plenty of purchases. I have reached out to the company mlvia email at least three times and all they say is that they are working on it but no resolution over the last three months.
Product: Debt collection

Credit Bureau Associates NE for the amount of {$11000.00}, I have sent Credit Bureau Associates NE a Debt Validation and they have not responded. I have no knowledge of this alledged debt.
Product: Money transfer, virtual currency, or money service

Contrary to all of the documentation that I have provided Gemini, they falsely claim that I live in XXXX. 

I have requested to resend my documentation, but they won't answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax at XXXX XXXX XXXX, XXXX GA XXXX, stating that the below inquiries were reporting on my consumer file and I did not authorize this company to access my consumer file. 
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 XX/XX/XXXX Equifax responded on XX/XX/XXXX stating that " INQUIRES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY ''. 

This response does not include any record of documentation proving that they are in factual bearing my signature formally requesting these accounts to view my consumer file. These are fraudulent inquiries and need to be immediately removed from my credit file.
Product: Checking or savings account

I received a Bonus Offer from Wells Fargo for a {$300.00} Bonus for opening a new business checking account and fulfilling the obligations spelled out in the offer details. The account was opened on XX/XX/XXXX with the attached Bonus Offer code. I fulfilled all of the offer detailed obligations within the first 60 day period of the account and was suppose to receive the {$300.00} credit, within 30 days after completing the 1st 60 day requirements. According to the terms and conditions, I should have received the {$300.00} credit on or before XX/XX/XXXX. 
I contacted the Personal Banker at the local Wells Fargo branch were I opened the account on XX/XX/XXXX to inquire why I have yet to receive the {$300.00} Bonus in my account. I was given a commitment that the {$300.00} Bonus would be credited to my account within 5 business days. That did not happen. I followed up with a phone call on XX/XX/XXXX as I had not received the {$300.00} credit and was told that the offer code was not entered in when she originally opened my account so I would have to proceed with another 60 day period of complying with the original terms to qualify again for the Bonus Offer. 
I then escalated this situation to the branch supervisor since I had fulfilled all of my requirements to receive the bonus. 
After numerous voice mail messages and emails sent to the local branch, I finally received a call back on XX/XX/XXXX informing me that my situation is going through a review and would take up to 14 business days for a response. 
Seems to me Wells Fargo is unwilling to fulfill the obligations outlined in the {$300.00} Bonus Offer and hopes that customers either forget & /or get tired out from unprofessional process of trying to receive the promised offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) These accounts, opened in XXXX and XXXX, commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, a XXXX thru XXXX timeframe. 
2 ) The address provided to and reported by XXXX XXXX XXXX XXXX is one that XXXX XXXX has never lived at, in a State in which he has never been a resident. We have provided signed documentation from the management company which proves this fact. ( Figure C ) 3 ) XXXX XXXX  and XXXX XXXX XXXX XXXX failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX County Iowa in XX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of XXXX XXXX and XXXX XXXX XXXX to comply with : The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692 4 ) This is the third account listed by a wireless company within the same time period. It is illogical that any legitimate account would have been opened with three wireless carriers by one individual in close succession unless illegal activity was involved. 
It is because of these facts, and the documentation including : a signed Fraud Affidavit, reports from two law enforcement agencies, a report from the Internal Revenue Service confirming our client as a fraud and identity theft victim ) provided which proves that this account was in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, KS XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

I filed for bankruptcy XXXX 2012 and my attorney requested reaffirmation papers for my home and Bank of America did not respond. My home was excluded from the bankruptcy due to owing more than the house was worth. The credit bureaus report that my mortgage and equity loans were discharged and closed. I have paid my monthly payments through the bankruptcy and are up to date. I have tried to get Bank of America to reflect this to the credit reporting agencies, to no avail. I am requesting your assistance in correcting this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to you today to inform you as well as the Credit Reporting Agencies that I am a the victim of identity theft. I conducted a research on how to remove the fraudulent accounts and information from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and inforamtion that are listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX Balance - ; XXXX/XXXX  XXXX Balance - ; XXXX XXXX Balance ; XXXX/XXXX  XXXX Balance {$320.00} ; XXXX/XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; and XXXX - XXXX XXXX  Inquired on XX/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 an identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) In accordance with the Fair Credit Reporting act, the following accounts that on my credit report are a violation of my rights : the account in question is XXXX XXXX XXXX  Account number XXXX Reporting to ( Transunion XXXX XXXX ), XXXX XXXX XXXX Account number XXXX ( Transunion XXXX XXXX ), XXXX XXXX XXXX Account number XXXX ( Transunion XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Account number ending XXXX ( Transunion XXXX ) in accordance to 15 U.S.C 1681 section 602 A. States I have the right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions and was not authorized by me. 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all agreed to remove the late payments from y credit report and remove their accounts from my credit report. 3 ) I HAVE NOT BEEN SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715, 719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS I request that these late payments and accounts be removed from my reports. Asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$5100.00} ; XXXX XXXX XX/XX/2022 XXXX XXXX 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: Checking or savings account

Several times between XXXX and XXXX, my checking account was charged overdraft fees after pending charges were drawn because Wells Fargo was taking the charges out of order to create an overdrawn amount. They also charged the fees before crediting my deposits made within the same timeframe, which absorbed funds fraudulently. I contacted the bank several times, and in some instances, they returned some of the overdraft fees, however, most they would not return. Between XXXX and XXXX of XXXX, this practice resulted in over {$400.00} in overdraft fees alone, which they refused to refund in any part. During this time period, their practices resulted in the loss of an entire paycheck which set me back even further financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019 I have sent Experian police reports and FTC reports stating that they are currently reporting a fraudulent XXXX  XXXX XXXX account. They refuse to comply with FTC FCRA 605B. And ignore me and my true dispute.
Product: Checking or savings account

So Im trying to figure out why my account got frozen. On Friday the XXXX I went to go pull out money from my account and a banker blocked my account an hour after I left from the branch asumming that my identification was a counterfeit ID So later that evening I returned back to the bank with two forms of identification and they told me that they couldnt unblock it because my account was getting reviewed even though I showed up to with 2 forms of identification. That confirms all my information tied up to my account What Im not understanding is how they thought it was a fake id all of a sudden when its the same exact id I used when I went to get my temporary card on XXXX at the same exact branch. They even helped me set up my online banking there I cant go in to show my ID now due to me being on bed rest due to me having COVID. 
What Im not understanding is that why they put a block on my card after I exited the bank and got back home. From my understanding is that they have to follow a certain procedure when you put a block on someones account as well as when I showed up later that day with my id The branch offficer who put a freeze was XXXX at us bank in XXXX XXXX on XXXX  XXXX Later that day I had realized that they had pulled a credit report without my consent even tho my account was frozen Im certainly unhappy with this whole situation that is going on so I would like so speak to the branch officer named XXXX that put a hold on my account .I honestly dont want to go to the extreme measures of getting my attorney involved unless needed that being said I would like for you to contact me on Monday once she gets in to the bank if I dont receive a call by the end of the day. I will be speaking to my attorney and will be letting him take over this whole matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX mtg reporting account XXXX as XXXX owing and XXXX days past due. It reports open XXXX with no credit limit but a payment of {$260.00} and XXXX balance. I have never had an account with XXXX mtg with this information ... unsure if it 's error or somebody else 's account. needs to be removed from all XXXX major reporting agencies