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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/XXXX LAST 4 OF YOUR SSN : XXXX DATE : XX/XX/XXXX NCA XXXX XXXX XXXX XXXX XXXX, KS XXXX ACCOUNT NUMBER XXXX XXXX XXXX ORIGINAL CREDITOR : NCA Subject : Cease and Desist Request for Deletion of Collection Account Dear NCA, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest. 
XXXX. Date of Last Activity. 
4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I have tried to talk to a supervisor and they hung up. I have told them to put in my record for any extra payment should be going to the principal and since I pay about every two weeks that the interest and principal should be different
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding multiple violations of my privacy and confidentiality rights as protected under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( 2 ). In addition, pursuant to 18 U.S.C. 8, I have identified the following accounts that have accessed and/or are reporting my credit information without my explicit authorization or are reporting obsolete/inaccurate information XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX  Basis for the Complaint Unauthorized Access of Credit Information Under 15 U.S.C. 1681b, consumer reporting agencies are prohibited from providing consumer reports without a permissible purpose. No permissible purpose exists here, as I never authorized these entities to access or continue reporting my credit data.

Obsolete & Inaccurate Reporting According to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may include adverse information older than seven years ( with limited exceptions for criminal convictions ). At least one or more of these accounts contains data that is now obsolete and should be excluded from my credit report. 

Violation of the Right to Privacy Under 15 U.S.C. 1681, Section 602 ( A ), I have a fundamental right to privacy regarding my credit information. Further, 15 U.S.C. 1681, Section 604 ( A ) ( 2 ) stipulates that a CRA can not furnish a consumer report without written instructions from the consumer when there is no other permissible purpose.

Furnishing Inaccurate Information In accordance with 15 U.S.C. 1681s-2 ( a ) ( 1 ), no one may furnish information relating to a consumer to any CRA if they know or have reasonable cause to believe that the information is inaccurate. Moreover, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), a furnisher must cease reporting information if notified by the consumer that it is inaccurate and if it is, in fact, inaccurate.
Product: Checking or savings account

I was charged unnecessarily for over draft fees, and setup to have to pay extra fees.
Product: Credit card or prepaid card

I tried to purchase pet food using my Barclays XXXX XXXX credit card from a local company on XX/XX/XXXX this year. The merchant said that it did not go through, so I said to try again. It still did not go through so I did not make the purchase, bought a smaller amount with cash. 
I noticed two days later that there were two pending charges for {$85.00} each from that merchant ( XXXX XXXX XXXX. ) At that time I wrote a message to the credit card company to inform them the purchase was wrong. They replied that it must first go through and then to file a dispute. 
I did file two dispute inquiries and also went to XXXX XXXX XXXX to speak to the owner. 
She had no record of the two transactions since they did not go through. 
I spoke to the credit card company and later received two letters.

One stated that I had no paperwork to back up my account of this, which is true since the purchase was not made. The second said that I had waited too long to dispute it. 
I take issue with both of these replies since I did initiate communication with them Immediately and I can't prove that I didn't pay for something since there is no receipt. 
I have been charged {$170.00} for items I did not purchase and the credit card refuses to credit this back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed all three credit reporting agencies. Since then I received mail correspondence back from XXXX  and XXXX. But Equifx has yet contacted me back. When I decided to call them and check on my credit file. A representative said. " We have no disputes on file. '' I sent letter twice after the XX/XX/XXXX to all three agencies. I still have not heard from Equifax. Please demand they start their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$2200.00}, {$2900.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

on XX/XX/20, complainant transferred {$300.00} from a XXXX checking account ( XXXX ) with the transaction completed on that day around XXXX. Transfer has not yet been completed with delivery to Citi savings being around XX/XX/20. 
Citi business customer service has not been able to find the pending transaction. 

Their second level supervisor indicate that the fault is with XXXX as the transaction has originated from them. 

I do not know where my money is nor is the bank providing any service.
Product: Credit reporting or other personal consumer reports

Fico, Experian, and XXXX under section 1681s-3. By federal law should not be sending misinformation about my credit utilization and late payments should not be on my be on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 


XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account.
Product: Credit reporting

The following is always a deciding factor when apply for or requesting increase line of credit. 
" Too Many Serious Derogatory Items '' I filed bankruptcy and was granted 6 years ago XX/XX/2017. There are no other derogatory items listed to be considered too many serious items. My credit report shows a good credit history and excellent payment history.
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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : CHRYSLERCAP Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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, credit repair services, or other personal consumer reports

Experian & XXXX stated my account was properly investigated but how is that possible if the open date is Inaccurate, the date last active is Inaccurate, and the date last reported is not accurate? This is ground for removal they also violated my rights under 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. Below are the names of the original creditors, along with account numbers and a list of various violations.Account # XXXX Violation 1 : Date Last Reported : XX/XX/XXXX ( Experian ) Date Last Reported : XX/XX/XXXX Violation 2 : Date Last Active : XX/XX/XXXX ( Experian ) Date Last Active : XX/XX/XXXX ( XXXX ) Violation 3 : Payment Status : Collection ( Experian ) Payment Status : 120 Days Late ( XXXX XXXX XXXX XXXX XXXX Account # XXXX Violation 1 : Payment Status : Collection ( Experian ) Payment Status : Collection ( XXXX ) Violation 2 : Date Last Reported : XX/XX/XXXX ( Experian ) Date Last Reported : XX/XX/XXXX ( XXXX ) Violation 3 : Date Last Active : XX/XX/XXXX ( Experian ) Date Last Active : XX/XX/XXXX ( XXXX )
Product: Credit card

Citi refused to investigate a fraudulent charge. When I complained they put negative information on my credit report. They have refused to give me further credit cards because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I transfered XXXXUSDT XXXX  from my wallet XXXX XXXX  to my XXXX account, tha problem is that when i made the transacction i sent the XXXX usdt into an ehetrum account that kraken had provided instead of sending the XXXX to my XXXX account, so the token went to their ethrum account instead to my XXXX account. this transacction was made and confirmed in XXXX the XXXX. i obviously clamied to the company but they say that they are not responsible of the money because i put a wrong address sothey can take years or maybe never can be recovered. but the money is in their account and they only have to do that manually
Product: Checking or savings account

I had unauthorized transactions on my Chime bank account on XX/XX/22. The XXXX thing I did was place my card on hold, made a police report then I called chime and told them of the unauthorized transactions. They then canceled my current card and would send me a new card and said I would hear back from them in regards to the dispute. Well it took them less than XXXX to do a thorough investigation ( they say ) and sent me an email stating that my dispute was denied no explanation as to why. I don't feel this is correct in any way if they did do a thorough investigation they would see that it was clear that there was unauthorized transactions. Even looking at the times of the transactions was very close together and they only used my card as a credit card ( I never use it as a credit card ). If they were to look at cameras they would see that it was not me doing the transactions. And I would have expected that a bank would have seen how close together these transactions were and automatically put a hold on my account, but that did not happen. I should feel secure that my hard earned money would be safe and it was not. And now I am just supposed to be out {$310.00}? I don't think that I should suffer and be at a loss because they couldn't protect my money. Please help me in this matter. 

Thank you XXXX XXXX XXXX transactions are as follows XXXX. QT. {$20.00} XXXX. XXXX {$15.00} XXXXXXXX XXXX XXXX. {$4.00} XXXX. XXXX {$5.00} XXXX. XXXX {$13.00} XXXX. XXXX. {$5.00} XXXX. Frys. {$29.00} XXXX. XXXX. {$10.00} XXXX. XXXX. {$7.00} XXXX. XXXX. {$20.00} XXXX. QT. {$21.00} XXXX. QT. {$10.00} XXXX. QT. {$94.00} XXXX. Frys. {$54.00} And non of this was authorized.
Product: Credit reporting or other personal consumer reports

It has come to my attention that negative items are not being removed, even when submitted with an FTC report. As mandated by law 605b of the FCRA. Should you fail to remove the items listed below, which are inaccurately reported due to identity theft, I will forward my documents to my attorney to initiate legal proceedings. It is my preference to avoid legal action, so please comply with the law. Kindly remove the following items, as they are fraudulent and were opened without my consent or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Product: Debt collection

{ 15usc1692 } ( e ) { 807 } ( para ) ( 13 ) false representation or implication that documents are legal process from local county court being served by law enforcement. { 15usc1692 } ( d ) ( 806 ) { para } ( 5 ) causing a telephone to ring or engaging any person in phone conversation repeatedly with the intent to annoy, abuse, or harrass the person at the called number over 5 times in one day.
Product: Credit card

On or about XXXX/XXXX/2016 noticed a charge of {$620.00} on my Wells Fargo Visa credit card for XXXX XXXX. On XXXX/XXXX/2016, having not made such a charge I contacted Wells Fargo and initiated a dispute. Eventually I was told the charge was proper based upon the merchant showing proof of the charge and that the merchandise was received by me and because the card was n't reported stolen, as such the dispute was closed saying I owed. Then I filed a dispute in writing by fax and was told the charge was improper and they was crediting the {$620.00}. Then around XXXX XXXX or XXXX I observed my available credit had gone from more than {$2000.00} to {$100.00}. Low and behold, they lowered my credit line, did n't say a word to me about it. I sent another dispute on that issue XXXX/XXXX/2016. Awaiting a response but believe they have little to no business ethics.
Product: Bank account or service

I opened and funded an HSBC Advance Checking Account around XXXX/XXXX/XXXX by telephone using a referral code, XXXX, from a friend, XXXX XXXX. HSBC has a promotion that is supposed to issue me a credit of {$100.00} for opening an Advance Checking Account using a referral code within XXXX weeks of fully funding the account. See offer attached. I have called many, at least 3, times over the last 3 months trying to get my bonus. But continually I have been told that HSBC has to look into my situation more. I was finally able to get a nice customer service rep, Tin, last week who seemed to be helping but in the end she said that the " back office '' was reviewing my account and a decision would be made by the end of XX/XX/XXXX. 

This is totally unacceptable. I have spent hours talking to the bank to get my deserved bonus. I have done everything required to deserve my reward and now I want the bank to live up its obligation to me.
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  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
Product: Checking or savings account

On XXXX XXXX, 2017, I sent a payment in the amount of {$70.00} to the Cash App ID $ XXXX, only to find out that it was the incorrect ID. I reached out to XXXX XXXX to reverse the transaction, and I was advised to dispute it through my bank. I then sent the {$70.00} to the correct XXXX XXXX under the correct Cash App ID. When I spoke to Simple support on the phone on XXXX, the representative was understanding and helping, as if he 'd encountered the situation before and he assured me that I would hear from the disputes team some time this week. I sent documentation of the transactions, conversations that I had with XXXX XXXX via email, and a screenshot of both the correct and incorrect payments. 2 weeks later, I received a message that they can not /will not help resolve the dispute and that I needed to reach out to the merchant. Again, I contacted XXXX XXXX and they once again stated that they will work with Simple to resolve the issue. I reached back out to simple and today, the only message I received from the disputes team is that they have closed my dispute because they ca n't find " an appropriate resolution ''. The disputes team did not contact me for more information, or clarification on the matter, they just closed out my dispute with no help. I 've sent multiple requests to the Cash ID that was paid in error for my money to be returned, but have had no such luck. I contacted the BBB, signed a release form, and Simple would n't even work with them to help me resolve this issue. I am currently {$70.00} in the hole due to a mistake, I have provided everything I can to Simple to prove that this was done in error, and I have not received assistance from my bank in resolving the matter.