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

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX Balance : {$760.00} XXXX XXXX  XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Ch. 13 : Account # XXXX, has violated my rights. DISPUTED XXXXInaccurate information In accordance with the Fair Credit Reporting act Ch. 7 : Account # XXXX, has violated my rights. DISPUTED XXXXInaccurate information In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights . DISPUTED XXXXInaccurate information In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. DISPUTED XXXXInaccurate information 15 U.S.C 1681 section 602 A. Accuracy and fairness of credit reporting. 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.

References : htt
ps : //www.consumer.ftc.gov/sites/default/files/articles/pdf/pdf-0111-fair-credit-reporting-act.pdf
Product: Debt collection

The credit card company has an obligation as Trustee of the account to file all of the IRS Tax forms related to the account in order to follow all of the GAAP -General Accounting Accepted Practices. I am asking for receipts of those filings. Also it has been established by an Act of Congress, abolishing debt peonage according to public laws attached to the documents below. PUBLIC LAW -Thirty Ninth Congress Sess II Ch 187, 188 1867 Pg. 546. March 2 1867, CHAP XXXVIL. 
This company contacted XXXX, XXXX XXXX a private citizen concerning a debt that was purchased from another company. There is no wet ink signature contract with this company. There are deceptive practices occuring.
Product: Credit reporting or other personal consumer reports

I just pulled my credit report and found out XXXX 's has been ongoing pulling a soft inquiry on my credit. Once a month since last year. I never asked them to do that.
Product: Debt collection

When I checked my credit score I realized that I had a collection from Receivables Performance Management on XX/XX/XXXX. I did not know I was supposed to receive mail regarding the debt and a few months later on XX/XX/XXXX, I called the company and paid it over the phone. I did not receive any mail about the debt being paid off and the company refuses to send a letter to me with the confirmation so that I can move accordingly. I have bank statements proving that I paid and that they took the money out of my account.
Product: Money transfer, virtual currency, or money service

I NEED WESTER UNION TO FURNISH ME ALL DOMESTIC AND INTERNATIONAL WIRE TRANSFERS FROM THE FOLLOWING NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I disputed that this account that I am no longer an authorized user on this account as of XXXX/XXXX/2016 and it does not belong to me. I requested to delete the account. My investigation results did not remove the account and instead your company kept the account on my credit profile. 
I recently pulled a copy of my credit report and found that you are reporting the following account on my credit report that should be removed immediately. At one time I was an " Authorized User '', however, I requested to be removed as an authorized user on XXXX/XXXX/2016. 
Creditor : XXXX Account Number : XXXX .... 
Per the Fair Credit Reporting Act, if I am not a joint owner, or co-signer of an account it should not be reported on my credit profile. I am requesting that you contact the creditor to confirm that I am not an owner of this account and that I am no longer an authorized user, and remove it from my report as soon as possible. 
I look forward to receiving a copy of my corrected credit report. 
Thank you for your help.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the unresolved issue concerning late payment accounts on my credit report. Despite previous attempts to rectify these discrepancies, they remain unaddressed. The ongoing issue with late payment accounts remains unresolved, causing concerns and potential financial repercussions. I kindly request a thorough review and prompt resolution of these issues to ensure the accuracy and fairness of my credit report. Your immediate attention to this matter is greatly appreciated. 


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

bureaus all 3 will not correct inquiries online and want remove the false info
Product: Credit reporting 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 Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an 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 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
Product: Credit reporting or other personal consumer reports

LITIGATION IN PROCESS ACT IMMEDIATELY YOU ARE IN VIOLATION THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX  COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine. 

These items should be deleted immediately while in litigation pursuant to FCRA guidelines. If you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation.
Product: Checking or savings account

I was charged for several transactions that I did not authorize. I had possession of the card, but I did not recognize the transactions that were charged on my account. My bank claims that after investigating the transactions, they concluded that there was " inconsistencies '' with the dispute and that because the merchant was a third party, it means that my debit card information was used in the transaction. Since the debit card was in my possession, they think that the idea that someone could have just taken the information that my card and committed these transactions is a hypothetical. 

They advised me to contact the merchant and ask for evidence showing it was not me who made it, but when I asked them what kind of evidence they would accept, they refused to tell me. Additionally, since I have filed these once for fraud and the bank has already rejected the claims, there is no way for them to reopen the case and give it another look. 

Therefore, I did not authorize these transactions. How my card was used, I do not know. What I do know is that my account was not used and this was another person 's account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found multiple charge-offs on my account to be inaccurate and a hindrance to my credit report. 

XXXXXXXX XXXX Account XXXX XXXX Multiple innacuracies were found between all bureaus. 
If, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Racial bais Adding delinquent accounts to my credit report.

Geogphical Profiling Racial Profiling Keeping accounts in Negative. 

Violations of CONSUMER RIGHTS. 

VIOLATIONS OF CONSUMER LAW 'S. 

FRAUDULENT BUSINESS PRACTICES!!!! 

15 USC 1650 15 USC 3002-10 ( Person ) 18 USC Section 241
Product: Debt collection

Previous collections attempted by XXXX in XXXX provided proof bill not owed. Account removed from credit XX/XX/year>. Account paid in full bill generated after account was closed by XXXX using unfair billing and business practices. I dont owe this bill. Misuse of credit report never received bill from creditor
Product: Debt collection

Description of the Problem Debt Collector Name : Revco Solutions Date of Incident : XX/XX/year> Time of Incident : XXXXXXXX XXXX Location : XXXX XXXX, Iowa Issue : Disclosure of personal information without verification On XX/XX/year>, I received a phone call from Revco Solutions at XXXX XXXX The caller did not verify my identity before disclosing my personal address information. I believe this violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to protect consumer privacy and verify a persons identity before disclosing sensitive information. 

Incident Details Below is the exchange that occurred on the call : My name is replaced by ____NAME____ in the dialog for privacy. 

Caller : ____NAME____? 
Me : Who is this? 
Caller : Revco Solutions. Is this ____NAME____? 
Me : What is Revco Solutions? 
Caller : A debt collector. Is this ____NAME____? 
Me : You would need to send notice in the mail. 
Caller : We did send a notice to ( personal address information disclosed ) Me : Did you just reveal personal information without me confirming my identity? 
Caller : Well, you kept asking us questions. 
Me : You will need to send

___NAME__ another notice ; Im not sure he got it. Summary of My Concerns Revco Solutions disclosed my address without
verifying my identity, which I believe is a clear violation of FDCPA rules. The disclosure of this information could have exposed my personal information to an unauthorized party if someone else had answered the call. When I raised this issue, the caller acknowledged my concern but attempted to justify it by saying that I had asked questions. 

Outcome Requested I am requesting that : Revco Solutions be investigated for this potential FDCPA violation to prevent further unauthorized disclosures. 
Confirmation that debt collectors are trained to verify identity before disclosing any personal information, as required by law. 
Thank you for your attention to this matter. I look forward to a resolution that ensures my privacy rights are protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

sent out a certified letter on XX/XX/2018, have not received a response to why ist there a unauthorized credit inquiry from the company. In the letter I stated that if there is no verifiable reasoning or proof to please delete and taken off credit immediately. I have not received a response as of yet.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report TRANSUNION Dear Sir/Madam , After TRANSUNION completes its investigation into the account related to the letter sent on XX/XX/year>, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 
XXXX XXXX XXXXXXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had XXXXne late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> AND XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXXXXXX 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. ''
Product: Credit reporting or other personal consumer reports

This letter serves as my final and definitive communication to your noncompliant organization before I initiate legal proceedings against all responsible parties. Let me remind you that threatening legal action without intent to follow through constitutes a serious offense. Rest assured, I fully intend to protect my rights as a consumer and will proceed accordingly if this matter is not resolved promptly.

I have repeatedly contacted your company, submitting numerous formal requests for an investigation into a series of inquiries that I firmly believe have been reported erroneously. Your continued failure to respond or take action constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ). This negligence is unacceptable and will not be tolerated.

However, in the interest of resolving this matter without escalating to litigation, I am providing one final opportunity to address my concerns. Below, I have listed the inquiries in question, which require immediate and thorough investigation in accordance with the provisions of the FCRA : XXXX XX/XX/XXXX & XXXX XX/XX/XXXX I have made several attempts to directly contact the companies responsible for these inquiries using the contact information listed on my credit report. However, my efforts have been met with the following obstacles : A significant number of the listed phone numbers are incorrect or invalid. 
For the companies I was able to reach, none have any record of my existence within their systems. If these entities lack records of me, it raises a critical question : What permissible business purpose could they possibly have to access my credit file?
Product: Debt collection

This company bought this debt from the now defunct XXXX XXXX XXXX which attempted to charge me {$44000.00} for air lift for my so whom was severely injured in a rural area of Georgia in XXXX. I believed that XXXX XXXX XXXX XXXX covered this expense and XXXX XXXX XXXX stopped contacting me. Meanwhile, unknown to me, XXXX XXXX, continued to report me to collections and charge me interest.My son was covered under my medical policy at the time. This has ruined my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Product: Checking or savings account

Subject : Unauthorized Re-charge of Refunded Amount on XX/XX/XXXX Dear Chase Bank Customer Service, I am writing to formally lodge a complaint regarding an unauthorized deduction from my account. On XX/XX/XXXX, I made a purchase at the XXXX XXXX outlet in XXXX XXXX for two bags, totaling {$130.00}. I initially bought the wrong color and immediately requested a refund, which was processed at the store. I then repurchased the bags in the correct color for the same amount, resulting in two identical charges on that day.

Both the Chase Bank representative and the stores staff informed me that the first transaction would be refunded within seven business days. On XX/XX/XXXX, I saw that the refund for the first transaction had indeed been processed. However, to my dismay, I discovered today that on XX/XX/XXXX, the same amount XX/XX/XXXXwas once again charged to my account. 

I find this situation highly confusing and unacceptable. This was a refund that I was entitled to, yet the money has been deducted from my account again without my authorization. I kindly request that you promptly investigate this matter and ensure the {$130.00} is credited back to my account. Should this issue remain unresolved, I will be left with no choice but to file a formal complaint, as I have the receipts and documentation proving the legitimacy of my claim. 

Please address this issue as soon as possible and confirm that the funds will be restored to my account without further delay. 

For verification purposes, my routing number is XXXX and my account number is XXXX. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I submitted disputes to XXXX regarding multiple inaccuracies on my credit report under my rights outlined in the Fair Credit Reporting Act ( FCRA ). These disputes pertain to the following : 1. KOVO INC : Late payments inaccurately reported in XX/XX/year> ( 30 days late ) and XX/XX/year> ( 60 days late ). 
XXXX. XXXX XXXX XXXX XXXX : A 30-day late payment in XX/XX/year> before the account was closed. 
XXXX. XXXX  : A 30-day late payment in XX/XX/year> before the account was closed. 
XXXX. XXXX XXXX XXXX ( Collection Account ) : A {$450.00} debt attributed to XXXX that lacks proper validation. 
XXXX. XXXX XXXX ( Collection Account ) : A {$3300.00} debt attributed to XXXX XXXX, which I dispute as inaccurate. 
I requested that XXXX investigate these items and verify their accuracy under FCRA 611. I also requested that they provide information on how the accuracy was verified under FCRA 609. 
XXXX failed to adequately address these disputes or provide supporting documentation. As required by FCRA, inaccurate or unverifiable information must be corrected or removed.
Product: Prepaid card

I received two American Express Prepaid Business Gift Cards from my job as part of a holiday bonus. They're described as being able to be used the same as any credit card in store or online, but I have not been able to claim them on any websites I've tried, from big brands like XXXX to using them as donations for local charities. Their website options simply say to keep trying or try different stores, but I want to be able to use them as advertised anywhere.
Product: Debt collection

I told the operator to quit calling me and the lady told me they will till the information on the account is changed and laughed at me when I said that Im going to call the FBI and said to go ahead and call so I did and here is what is happening now
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries that appear on my credit report as a result of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have information resulting from identity theft removed from my file. The following accounts and inquiries are unauthorized and should be permanently removed from my credit report : Accounts to Be Blocked and Deleted : 1. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$330.00} 2. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$200.00} 3. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} Inquiries to Be Blocked and Deleted : 1. XXXX  Date : XX/XX/XXXX 2. XXXX Date : XX/XX/XXXX 3. XXXX XXXX Date : XX/XX/XXXX 4. XXXX  Date : XX/XX/XXXX 5. XXXX  Date : XX/XX/XXXX