23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?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 XXXX 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. 


1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 


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

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian, Experian Rentbureau, and XXXX  continue to report an alleged eviction and charge off from XXXX XXXX XXXX XXXX which caused me to be denied credit which is my right. These damages caused me housing and furthermore neither company has my consent to report anything about me. XXXX will not respond to my disputes written or in this CFPB portal. It is against the law to release my information without my written consent furthermore you're trespassing upon copyrighted and trademarked property. XXXX states they are sold information from Experian and that is who verified the information but I have received no proof from either that they have submitted for me to validate this debt. Experian, Experian RentBureau, and XXXX is selling my information therefore you need my permission as it is my proprty and I have given no such consent written or verbal. I did not sign up for your companies to report anything about me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Checking or savings account

Below you will see that my account was supposedly charged and overdraft fee. {$36.00} which is not what I have the problem with. If you look on top when I click to view the item it says as you can see " overdraft details unavailable ''. When I call the bank they can not tell me what was returned or paid so we play let 's guess what overdrew my account. When I call the phone number on the notice XXXX there is always a 30-40 minute wait and to be honest I have never had that call answered after putting the phone on speaker and waiting. I filed a complaint with the Banking Commission but they dumped it back into the laps of BB & T to handle so I do n't know what the purpose of the Banking Commission serves. To me this is a violation of UDAAP since the bank will not give me information I need to pay the person who had their item returned. I will get a notice in about two weeks telling me but I need that information now. This is a common practice of BB & T that has happened to me numerous times. They refuse to give real time banking on certain items.

Overdraft Details Unavailable This PDF is currently unavailable. For assistance, please callXXXX ( XXXX ). 

ndingtransaction date XX/XX/XXXX Credit BB & T BUSINESS ONLINE TRANSFER - TRANSFER FROM CHECKING - XXXXXX/XX/XXXX {$1400.00} Pendingtransaction date XX/XX/XXXX Debit BB & T BUSINESS ONLINE TRANSFER - TRANSFER TO CHECKING - XXXX XX/XX/XXXX{$1200.00} XX/XX/XXXX Debit TRANSFER TO CHECKING *********XXXX XX/XX/XXXX BB & T BUSINESS ONLINE TRANSFER {$4000.00} {$210.00} XX/XX/XXXX Fee RETURNED ITEM FEE ( Details View|Save ) Receive a notification if your balance is low. Manage Alerts {$36.00} XX/XX/XXXX Credit TRANSFER FROM CHECKING *********XXXX XX/XX/XXXX BB & T BUSINESS ONLINE TRANSFER {$4000.00} XX/XX/XXXX Debit INVOICE PAYCHEX EIB CAM PROPERTY MANAGEMEN ACH CORP DEBIT {$150.00} {$250.00}
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the accuracy of the information being reported on my credit report by the Department of EducationXXXXAidvantage XXXX XXXX XXXX and XXXX XXXX Upon reviewing my credit report, I have discovered numerous discrepancies in the information being reported by all three entities, which is in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681.

The discrepancies include different open dates, varying account balances, and inconsistent monthly payment amounts across all three accounts. Such discrepancies not only undermine the integrity of my credit report but also hinder my ability to make informed financial decisions. 

Furthermore, the Department of EducationXXXXAidvantage XXXX XXXX, and XXXX are in violation of the Privacy Act of 1974, which mandates the protection of individuals ' personal information held by federal agencies. Additionally, as the accounts in question are related to educational loans, they are subject to the protections outlined in the Family Educational Rights and Privacy Act ( FERPA ).

Moreover, it is illegal to report transaction history, such as balances and late payments, to a credit report. Such reporting practices are in direct violation of the FCRA and further compound the inaccuracies present on my credit report. 

In light of these violations, I hereby demand the immediate removal of these accounts from my credit report. Furthermore, I am exercising my right under 15 USC 6802 to opt out of the reporting of these accounts on my credit report effective immediately.

Additionally, the Department of Education/Aidvantage , XXXX, and XXXX are also in violation of 16 CFR 433.2, which ensures that consumers have the right to dispute inaccurate information reported by creditors to credit reporting agencies.

I expect the Department of Education/Aidvantage XXXX XXXX, and XXXX to take immediate action to rectify this situation and ensure compliance with the FCRA, the Privacy Act of 1974, FERPA, and 16 CFR 433.2. This includes not only removing the inaccurate information but also ensuring that these accounts are expunged from my credit report and that my opt-out request is honored. 

Furthermore, I request a thorough review of the reporting practices of all involved parties to prevent such discrepancies from occurring in the future. It is imperative that accurate and consistent information is provided to credit reporting agencies to safeguard the financial interests of consumers.

Please consider this letter as a formal dispute under the provisions of the FCRA, the Privacy Act of 1974, FERPA, and 16 CFR 433.2. I anticipate a prompt response from the Department of Education/Aidvantage XXXX XXXX, and XXXX regarding the actions taken to address this matter. If necessary, I am prepared to escalate this issue to ensure that my rights under these acts are upheld.

Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute. 

Sincerely, XXXX XXXX
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 XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Product: Credit reporting or other personal consumer reports

Creditor is not the correct creditor for this account and was unable to supply original contract with wet signature.inconsistency in account status and account type. However my requests were ignored
Product: Credit reporting or other personal consumer reports

XXXX has breached my private data. This is violating my rights under 15 USC 1681. This is a violation of privacy. I also want Experian to start reporting my credit accurately and taking off any negative reports or charge offs. I have proof of identity theft and get a IRS pin number every year. On XXXX and XXXX my credit report is somewhat accurate. I would like this taken care of, per 1681n Civil liability for willful noncompliance, meaning ; if a company knowingly or recklessly violates the FCRA, legal action will be taken. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX XX/XX/year> CAP XXXX NA XX/XX/year> XXXX CARDS XXXX XX/XX/year> XXXX FINANCIAL SER XX/XX/year> XXXX XXXX BANK XXXX XX/XX/year> 2024
Product: Checking or savings account

XX/XX/20 I spoke with XXXX at Ameris Bank Call Center and explained I had mobile deposited the check into my XXXX  account on XX/XX/20 and XXXX did a account adjustment and debited {$500.00} from my account on XX/XX/20 because the check was also cashed at XXXX. I provided her the check number to see if she could provide more info. She advised she will email the department that handles that and reach out to be in a few days. 
XX/XX/20 I called XXXX back and she advised me the check was mobile deposited into a XXXX account on XXXX and no investigation would be open. I was advised to call XXXX XXXX by another Ameris team member to advise them of the situation. I did and spoke to XXXX and she reached out to her accounting team. 
XX/XX/20 I called XXXX XXXX  and was advised they show the check was cashed on XX/XX/20. I called XXXX at Ameris and advised what XXXX XXXX  told me. She stated she will send another email and note what XXXX XXXX  advised and to reach out in a few days. 
XX/XX/20 I called XXXX and she advised they will not be opening a investigation. She advised I call the Ameris Branch at XXXX in XXXX, GA. 
XX/XX/20 I called the branch and spoke with XXXX who advised me to call XXXX XXXX  back to get them to open up the investigation with XXXX since it was their check and account that was debited twice and they need to recoup from XXXX and issue me a new check. I called XXXX XXXX  and XXXX reached out to their accounting team again and she would follow up with me. She called me back and advised her accounting department stated that Ameris should open up the investigation since they cashed the check twice. That error falls on them and this should be handled by Ameris and XXXX to get the funds back to me since I did not deposit the check twice. I called Ameris back and spoke with XXXX again and explained what XXXX XXXX  advised. He stated there was nothing the bank could do and no investigation will be opened.
Product: Checking or savings account

A XXXX XXXX recipient has gotten {$800.00} from my account. I called my bank to get the item but my bank has still not disputed the transaction. This is fraudulent activity and I deserve a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a dispute with the IRS for tax year   XXXX   which was successfully ruled in my favor. During the dispute process CA state issued a tax lien against me. They later reversed this lein as it was issued on false information gathered from the IRS. The lien was released less than  two  months later but had already been placed on my credit. This should be removed from my credit report by all  XXXX  credit agencies not just shown as released. Again I never owed this money therefore the lien should never have been filed and the credit agencies are reporting it as if I did and paid it.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Navy Federal Credit Union apparently is having issues posting ANY deposits. 
I have direct deposit, my paycheck has not been posted to my account. It was due to post at XXXX. 
Instead of the company talking to customers, they disabled the phones and the online banking. 
UNACCEPTABLE!!!!!
Product: Credit reporting or other personal consumer reports

The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my credit report 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 supposed 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 15 USC 1681s-2 they are supposed 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. 

Delete account : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) from my credit report because of multiple violations of the Fair Credit Reporting Act! 

This account is erroneous and must be deleted immediately from my credit file.
Product: Debt collection

Wells Fargo keeps showing up on my credit report and I have not done anything with Wells Fargo in over 7 Years. I would like this to be taken off as I am sure the debt is not mine.
Product: Checking or savings account

On XX/XX/XXXX my checking account was charged with XXXX purchase : XXXX being {$34.00} and the other being {$35.00}. There was another charge attempted but I was alerted by text message by a prompt asking if I made these charges which I answered no. I immediately called the bank and after a good talk the associate said there was a XX/XX/year> chance the charges would be dropped. Eventually the bank dropped the {$34.00} but the {$35.00} was still there. I just called again and they said they can not drop the charge because I authorized it. I looked up the merchant and it turns out that company does not even appear to exist. How could I authorize a purchase to a company that doesnt exist?
Product: Debt collection

I am writing to file a complaint against Gurstel Law Firm , P.C . regarding their unfair debt collection practices. 

I am currently unemployed due to severe XXXX, which led me to resign from my job. I have communicated my medical condition and financial hardship to Gurstel Law Firm multiple times. Despite this, they have refused to negotiate a settlement for my $ XXXX debt, even after I offered to settle for 10 % XXXX % of the balance. 

Their refusal to work with me and ignoring my documented medical condition has caused me significant stress and paranoia, which I believe constitutes harassment and unfair practice under the Fair Debt Collection Practices Act ( FDCPA ). I can provide documentation from my XXXX  and XXXX to support my claims. 

I have tried to resolve this issue with Gurstel Law Firm directly, but they have been uncooperative and dismissive of my situation. Their actions have further damaged my mental health and financial stability. 

I am seeking your assistance in addressing this matter and ensuring that Gurstel Law Firm complies with the FDCPA and treats me fairly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Sir/Madam, I am writing this letter about my XXXX debit card account my name XXXX XXXX XXXX and i live in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX.. my previous address was XXXX XXXX XXXX XXXX XXXX ca XXXX With due respect I would like to state that on XX/XX/2020 I requested for freezing my XXXX card account due to identity theft because someone is pretending to be a worker from the XXXX and tricked me into giving my details..
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/1992 Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I made a XXXX payment for tickets that I never received. i called within 30 minutes of making that transaction to disput it. I reached out to my bank and was told it was my fault for getting scammed and nothing they can do. That I would need to file a police report or look into other avenues to resolve the problem.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX - XXXX XXXXXX/XX/XXXXXXXX XXXX - XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXXXX/XX/XXXX- XXXXXX/XX/XXXX - XX/XX/scrub>/2023 XX/XX/XXXX - XX/XX/scrub>/2023 XX/XX/XXXXXX/XX/XXXX/2023 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I have several complaints and in light of the DOJ suing XXXX it explains why I have not received a fair resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Equifax continue to report negative fradulent information on my credit report. They are in violation of the FCRA
Product: Debt collection

I have requested over two years ago that CAC Financial Corp provide the legal documentation of what I owe and never provided ( via postal mail ) within the 30 day time period. I was able to get XXXX to remove this, but XXXX will not. CAC Financial Corp has also never disclosed to me that I can dispute the claim.
Product: Checking or savings account

From XX/XX/XXXX to XXXX, I was charged overdraft fees, and my account was eventually closed due to unauthorized charges. During COVID, I received an early payment from the government, which was deposited into my account. However, the bank later withdrew the funds, causing my account to be overdrawn and resulting in additional fees.