23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Date Incident Occurred : XX/XX/XXXX The Debt Collector : St Louis Loan/PH Financial Services LLC This debtor did not give me a written notice or receive pre-authorization to run an debit/ACH from my checking account TWICE in one day. I called the company to see why they had did the double withdrawal from my account and her reason was because I did not answer my phone ( it was off, I can obtain proof ) she said " if it goes through for the payment due the due date ( XX/XX/XXXX ), we push through another payment for any past due payments ( XX/XX/XXXX ) '' meaning if I were behind 3 payments she would have ran 3 different debit/ACH 's on my account which is highly illegal. Since I was only behind 1 payment when on the due date she ran 2 debit transactions on my account for payment due and past payment due. The company did not ask to rectify by sending payment back. I had to call my bank and authorize a stop-payment on this merchant/debtor and have the 2nd debit transaction reversed. The company called me approximately XX/XX/XXXX letting me know they had received the STOP-PAYMENT request and the reversal claim from my bank and told me I would not be able to obtain a loan with them ever again without authorizing them to ACH from my account. She also asked me to cancel the reversal claim with my bank ( because they could not dispute the claim ) it was not authorized and they had no oral or written authorization from me. She then threatened me calmly about garnishments that could potentially be sent to my place of employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : For many years I contracted with Equifax for credit monitoring. Monthly the service has been billed to my credit card. In XXXX I started having problems that the service would not let me run updated information as I had been doing for years. This went on for several weeks so I contacted them by phone. When I contacted the representative I was told me he could see what the problem was and that they would get it fixed. Another week or so went by and still the same. I contacted them through their site to cancel the service of which I received a survey inquiring as to why I was cancelling the service. Shortly thereafter within a week or so I learn of a breach through media. The charges to this day continue to be charged against my credit card yet they advertise they will be providing this service free for all they have affected. I contacted my credit card company notifying them that I was disputing the charge. They reversed one month and continue to charge me monthly for a service I cancelled. I again reached out to Equifax through their site and received a response that they would follow up with me and gave me a case number. So far no one has returned my call either by phone or e-mail. This organization has no approval to continue to charge my card however they do so monthly. In lite of the situation at Equifax, their failure in late XXXX to disclose to me an issue and ongoing billing after they have been told to cease is absolutely unacceptable.
Product: Credit card

On XX/XX/XXXX, Synchrony Bank sent me a letter telling me that the XXXX XXXX card was going to be closed due to the score and other reports. When my score is in a good category, I don't see the sense that they are based on incorrect information. to close my account
Product: Credit reporting or other personal consumer reports

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 {$270.00} Account name XXXX XXXX XXXX Balance {$230.00} Account name XXXX XXXX XXXX Balance {$610.00} Account name XXXX XXXX XXXX XXXX {$3700.00} Account Name XXXX XXXX account # XXXX Account Name XXXX XXXX XXXX Balance Balance XXXX Account Name XXXXXXXX XXXX XXXX XXXX account # XXXX Account Name XXXX XXXX account number XXXX balance {$320.00} Account Name XXXX XXXX account num XXXX balance {$230.00} has violated my rights. 

Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian XXXX and XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



and according to XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX A XXXX Balance : {$1700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently conducted a thorough review of my credit report, and I was deeply disturbed to find several unverifiable, invalidated, inaccurate, and questionable items reported by your organization. These errors are not only unacceptable but have also caused me significant distress. Under 15 U.S. Code 1681e ( b ), your agency is required to follow reasonable procedures to ensure the maximum possible accuracy of the information you report. Additionally, 15 U.S. Code 1681i ( 5 ) mandates that if any disputed information is found to be inaccurate, incomplete, or unverifiable, it must be promptly deleted or corrected. Therefore, if you can not provide verifiable proof of the following items within 15 days, you are required by law to remove them from my credit report immediately. 

Disputed Items : XXXX XXXX XXXX XXXX XXXXXXXX - Your agency is in clear violation of federal law! 15 U.S.C. 1681 Section 602 ( A ) asserts my unequivocal right to privacy. 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) declares that a consumer reporting agency must not release any account information without my explicit, written consent. 15 U.S.C. 1681c ( a ) ( 5 ) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions. 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. DELETE this immediately! 

XXXX XXXX - XXXX - Your agency is in clear violation of federal law! 15 U.S.C. 1681 Section 602 ( A ) asserts my unequivocal right to privacy. 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) declares that a consumer reporting agency must not release any account information without my explicit, written consent. 15 U.S.C. 1681c ( a ) ( 5 ) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions. 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. DELETE this immediately! 

XXXX XXXX XXXX XXXXXXXX - Your agency is in clear violation of federal law! 15 U.S.C. 1681 Section 602 ( A ) asserts my unequivocal right to privacy. 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) declares that a consumer reporting agency must not release any account information without my explicit, written consent. 15 U.S.C. 1681c ( a ) ( 5 ) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions. 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. DELETE this immediately! 

XXXX XXXX XXXX - XX/XX/year> - Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for the valid permissible permission used to access my credit report on XX/XX/2017 by XXXX XXXX XXXX XXXX ( XXXX ). Experian said they investigated and sent to XXXX who simply replies they are reporting accurately.?????? This has been going on for 5 years. Is Experian and XXXX managed by children or crooks because they are not professionals with integrity. XXXX and Experian play games to dodge liability.
Product: Bank account or service

I was informed today the bank was closing my account after a business decision. On Friday this account was placed on hold and I did not have access to the money. The bank has not disclosed the reason for closing my account in XXXX business days. I have tried on several occasions prior to today/ XXXX XXXX, 2015 to obtain information. In accordance the consumer account agreement it stated 'the bank will give notice required by the laws governing your account '. I do not have notice or explanation for the HOLD. I am only told the investigator has made a final decision. In speculation, I have POA for my father and have written check from his account since XXXX XXXX, 2015 to pay the bills from this account. My father was not able to write the checks and I lived in a different location. I did not asked to be placed on this account since I was in hopes of my father would be able to handle his affairs on his own. I tried to put a copy of the POA on file for this account. I was told I would have to open another account and close this XXXX. I decided against that because again I wanted my father to have access and handle his affairs. I wrote checks from my fathers account and deposited the checks in my account and paid other bills from this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts. Because I have noticed inaccuracies and can provide screenshots. I also never opened these accounts and some of them been opened on my credit report for over 2 years. I am a victim of identity theft. I have a FTC report I can also provide. Thank you. 
I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX. 

According to the FRCA The term " investigative consumer report '' means a cosnumer report or portion thereof in which information on a consumer 's character, general reputation, personal charactersistics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reporter on or with others with wom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. 
Accounts : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have diligently remain consistent disputing a medical collection agency by the name of : XXXX XXXX XXXX that have made every attempt to attach me to a unverifiable account. On XX/XX/XXXX I filed my first CFPB complaint on this company for the refusal to answer a certified mail letter within 30 days to my request for validation that was very specific in detail to show proof that I am the person this debt belong to. 
complaint # XXXX On XX/XX/XXXX XXXX XXXX XXXX Replied with an Erroneous acquisition about a phone call with attempts to resolve the debt with statements that I admitted to the debt, when the only purpose that call was initiated was to simple request validation after over a year of disputes being advised by the responses from each credit bureau to contact the funisher of this negative reporting which is what I did. 

I also contacted the original creditor for the same reason in XX/XX/XXXX and was told to contact the owner of the debt XXXX XXXX XXXX ... .so on XX/XX/XXXX I filed a second CFPB complaint on XXXX XXXX XXXX # XXXX CFPB replies XX/XX/XXXX that the complaint was sent to the FTC ... .Ive never heard from the complaint since that reply. 

On XX/XX/XXXX I filed a CFPB complaint # XXXX for XXXX   verifying this account that was never verified with me through the collection Agency as required by Law. 

XXXX v. XXXX  XXXX XXXX , XXXX, XXXX XXXX XXXX ( S.O.N.Y. XXXX ) ( citing XXXX XXXX. XXXX ). This includes informing the debtor of his or her right to ask the collection agency to 'Validate ' the debt. 

I repeated disputed with Transunion to re-investigate the collection account only to receive that they verified the debt accurately reporting without revealing method of verification as requested. So on XX/XX/XXXX I filed a CFPB complaint # XXXX. 

All correspondents are within these complaints numbers above to show that I have done what is required from a consumer to resolve a unverified collection on my credit report. 

XXXX then deleted the collection account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters reporting inaccuracy for accounts that still remain in bad standing that are affecting my credit. I have sent request using Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I have not received any physical proof nor are the items removed. Below are the dates I submitted my request of inaccuracy. I also requested for inquiries that I did not authorized to be removed. 

XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX
Product: Debt collection

A gentleman just called me, for the fourth time in 24 hours, and told me he was Mr. XXXX calling from a law firm in an attempt to settle my debt with XXXX XXXX before a summons was sent out this Friday against me. That I would be charged with the legal fees as well. I told him I had received no such bill or any correspondence to this matter and he stated that he sent it to two addresses easily taken from my background check that he already stated he did on me, and had " assumed '' I received them. I asked him to send it again, certified mail, so we both know for a fact it was recieved. He said that was not possible. I told him I will be happy to contact my lawyer to sort it out after receiving an invoice or any proof and making sure it was a legitimate issue that had not been resolved. He stated he will put that in my file and let the company know.
Product: Checking or savings account

This is third time that I filing similar complaint against Merrill Lynch Bank of America. 
They trying to avoid paying proper refund. They mailed me checks that is less {$650.00} that it should be
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance Owed : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX Balance Owed : {$340.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

US DEPT ED XXXX Balance Owed : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX XXXX  XXXX Balance Owed : {$480.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX XXXX
Product: Credit card

I previously had a Wells Fargo Visa credit card that was hacked and used in an identity theft event to make an unauthorized purchase. 

So Wells Fargo cancelled and inactivated that card so it could no longer be used, and also sent me a new, replacement card with a NEW credit card number. 

However, when the new card arrived, I decided I no longer needed this new, replacement credit card, so I NEVER activated it and tossed it somewhere ( it's probably in a drawer somewhere in the house... ). 

I am still paying off the balance on the old, hacked credit card. 

Well, on XXXX XXXX I paid a cable bill using my current DEBIT card ( I no longer use credit cards ). 

The cable company got paid twice ( which is fine since there's always an ongoing, monthly balance on this bill ). 

BUT, the XXXX charge was charged to that credit card that I NEVER activated. 

I used to receive a text message indicating a charge whenever I used that old credit card ( with the last XXXX digits of the credit card used ), so when I paid the cable bill over the phone, I thought it was strange that I got a text message saying the cable bill amount paid was charged to my credit card, BUT I did NOT recognize the number it included. 

Turns out I didn't recognize it because it was the last XXXX digits of that replacement card I NEVER activated. 

Wells Fargo has tried to continue blaming the cable company for supposedly making that XXXX charge against the old, hacked, inactivated credit ( though when I paid the bill on the phone, I only authorized one ( 1 ) charge against my debit card, NOTHING more ). 

The point I tried to make with Wells Fargo was what was the use of cancelling the hacked card so it couldn't be use but charging the replacement credit card I NEVER activated, when they would just allow a charge I did NOT authorize to go through anyway. 

Some credit card security. 

They are refusing to move forward unless I also give them my DEBIT card number that was CORRECTLY charged for the cable bill amount. 

I'm refusing to give it to them because that's just another number they can make screwups with - I have no dispute about the amount charged to the DEBIT card. 

Wells Fargo has a history of screwups they've REFUSED to resolve - the last one involved 2 different HOAs for 2 DIFFERENT residences in 2 DIFFERENT cities ( the 2 different HOAs may have used the same bank ).

I paid the monthly HOA dues for one residence but Wells Fargo credited it to the OTHER, totally different HOA- it looked like someone at WF was just too lazy, saw the designation " HOA '', and just dumped the dues money into the first HOA bucket they saw. 

This HOA dues issue was NEVER resolved by Wells Fargo- I simply got a refund from the one HOA who incorrectly received it and paid it to the correct HOA.
Product: Checking or savings account

My account was frozen with no explanation. I verified my identity. I made deposits and received a credit but the company Sofi still refuse to release funds after successfully verifying my identity.