23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2022 I recieved a notice from Franklin service Inc, about an alleged debt of XXXX and recieved another alleged debt amount of XXXX on XXXX XXXX. This company after calling and speaking to both a customer representative and manager, failed to contact/provide me with a written letter of rights within the specified time ( 5days ) according to the Fair debt collection practices act. This company is wrongfully claiming to have sent said letter, however when I asked them to provide proof showing this, such as a mail receipt they stated they could not and did not need to do so. I would like this company to show proof of a mail receipt showing that this letter was in fact mailed to my address for the amounts. If this company can not provide a mail receipt showing that a written letters of rights was intact mailed to my address, then they have infact violated my rights of the Fair debt collection practices act, and because of this, this debt needs to be discarded because of its lack of validity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquires from unknown sources shared without my consent
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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

I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance. 
CREDIT PLUS XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies
Product: Bank account or service

TD bank overdraft fees - set up new XXXX new accts, XXXX saving & XXXX checking with debit card. I was clear I only wanted too use money on my card, but in signing all paperwork I did sign off on overdraft protection. XXXX weekend I had XXXX debit withdrawals ( all under {$15.00} some only {$2.00} ) - they were not deducted from avail cash and all processed on Monday, using the highest amount XXXX ( not the dates of withdrawal ) thus creating {$170.00} in overdraft fees. I went to bank to XXXX ct branch and spoke to branch mgr & Vice President, XXXX fee was removed but would not remove {$140.00}, my mentor then went too see her and was told " it 's all his fault, not the banks, and perhaps we need to due a better job teaching life skills, and maybe he should n't be on his own yet " we 've exhausted all avenues with bank, with no help because they all refere too what this Vice President put into acct, our last conversation was with a customer service supervisor ( XXXX ) that told us nothing could 've changed because it 's all done by computer algorithms.
Product: Payday loan, title loan, or personal loan

Ace Cash Express was asking for my online banking information to get direct access to my online banking this is my complaint ( XXXX ) -XXXX this is their direct phone number they say they are in Florida but this phone number is a XXXX XXXX line
Product: Debt collection

I request debt validation on XXXX XXXX and they received my certified mail on XX/XX/XXXX by XXXX XXXX. They did not response my request. Same request were sent to Green & Cooper LLP three times. They send me very suspicious fraud letter back on XX/XX/XXXX and XX/XX/XXXX. Billl of Sale was mentioned Exhibit 1 but it was blacked out. I report FTC for ID Theft who named XXXX XXXX XXXX ( GA Bar No XXXX ) and Greene & Cooper LLP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported that I failed to pay in XX/XX/XXXX on account that was closed in XX/XX/XXXX and included in my chapter XXXX bankruptcy. I disputed this information with Experian in XX/XX/XXXX and they responded back that the information reported on my report was wrong and they corrected it. The next day the wrong information was put back on my credit report. I then contacted Experian about the problem on the phone and they agreed they were in the wrong and would delete the information after a new dispute. Again they investigated the information and removed the negative mark, then the next day it was put back on my report. 

I believe Experian is now in violation of FCRA 611 ( a ) ( 6 ) ( B ) ( ii ) for reinserting this incorrect information, not once but twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Genesis Credit Management has been attempting to collect a debt I do not owe. On XX/XX/2022 I sent a letter to them via certified mail disputing this debt and requesting proof. They successfully received this letter on XX/XX/2022. Today is XX/XX/2022, 31 days past my request for proof of the debt and I have not received any such proof or further contact from the company. I now have a collection amount of {$310.00} negatively affecting my credit due to this unlawful debt. This is illegal.
Product: Debt collection

NOTICE OF INTENT TO FILE A LAWSUIT CEASE AND DESIST NOTICE OF DISPUTE AND DEMAND FOR IMMEDIATE CORRECTION Equifax should demand itemize billing documentation of medical bills that I attended XXXXXXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX Instead of just believing them against me. 

I do not attend XXXX XXXXXXXX XXXX and owe no bills to them or anyone. Investigation should be more than just calling XXXX XXXX XXXX but documentation as to why derogatory medical bills were in my reports XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX
Product: Checking or savings account

Hard inquiry appeared from somewhere called CB Indigo. The # provided on the credit inquiry goes to a call center for Indigo CB/Genesis card services. It then transfers to another line stating it's a debt collector. I asked the agents what the place was I was calling and they kept asking for more information from me and would not confirm. I mentioned the hard inquiry and being unsure as I haven't applied to anything for CB Indigo. They all would then transfer me to a " fraud department '' and the line asks for some sort of agent code then disconnects.
Product: Vehicle loan or lease

I receive a email from XXXX saying I have a credit inquiry when I open the app it says that the end standard bank saying I requested a loan for Auto loan. I never apply for no loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I know that consumers have the right to personally inquire about their credit reports for free once a year. I did so usi ng the website annualcreditreport.com. They could not verify my identity, so annualcreditreport.com r equested I fill out a paper request and  send in the US m ail along with documents proving I was who I said I was (  copy of  XXXX , D river 's License, pay stub ). All   XXXX   credit agencies  ( Equifax,  XXXX , and   XXXX   ) separately asked AGAIN for the same identifying info to be sent in.   XXXX   finally gave me my credit report  after satisfying identity verification. With that agency, I was able to dispute an address online, and after their investigation, they determined that the address did not belong to me, and removed it the next day.  <P/> With  XXXX , once I received my reports through  the US mail, I was able t o dispute online that same address. But now, with Equifax, they have asked a third time for identifying information to be sent in with my dispute. I could not dispute online, they would only accept through fax or mail. I am not comfortable sending documents with sensitive, personal identifying information a third time JUST to dispute an address. This process is cumbersome and invasive. ( They also gave a list of  XXXX  items that they required to prove my identity,  XXXX  of which is a utility bill. I rent, have a roommate, and all utilities are listed in the roommate 's name, so I am unable to meet that requirement, and sent Equifax extra identifying documents in hopes that it would fulfill the need of once again proving I am who I say I am. ) I work for a   XXXX   XXXX   and understand the security checks necessary to prevent ID theft, but sending sensitive do cuments three t imes is ridiculous. How can the  XXXX  credit bureaus not accept documents by a third party that they themselves contracted with to supply credit reports directly to consumers?
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; 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 US DEPTARMENT OF ED 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 have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
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 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX  XXXX XXXX Balance : {$730.00} XXXX XXXXXXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8600.00} XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Checking or savings account

On ( XX/XX/2023 ) XXXX XXXX, I went to Regions bank to withdraw {$5000.00} dollars from my checking account. Unfortunately, I was denied from completing my transaction because the bank teller and branch manager informed me that my transaction was still pending and that I could not withdraw my funds. The branch manager told the teller, if it were my cash draw I would not complete the transaction. The teller also mentioned to me that I had a similar transaction done the day before ( XX/XX/2023 ) and she needed approval. The ( Branch Manager ) proceeds to tell the teller that she would not complete the transaction because it is still pending and it could come back returned. I had to drive to another branch farther out to withdraw my funds while pending without any issues. The bank teller tried to give me back my withdraw slip and I exited the bank. I contacted the Branch Manager ( XXXX XXXX ) on XX/XX/2023 to file a complaint. She has not returned my phone call.
Product: Credit reporting or other personal consumer reports

Im filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request the the CFPB takes action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is falsely reporting a debt on my credit that I do not owe. I requested a signed contract to show proof the debt belonged to me, however I was not sent any information. I even sent dispute letters to the credit bureaus, but they are stalling the dispute process because they do not have any proof it belongs to me. Neither XXXX  or XXXX  is able to verify this information. Convergent does not have any documentation or signed contract, therefore they are reporting false information which is illegal. I need this information to be removed immediately. I will be filing a complaint with the XXXX and XXXX.
Product: Checking or savings account

My Wells Fargo bank personal checking and savings accounts were hacked on XX/XX/2022. They stole all the money from both of my accounts totaling over {$5000.00} USD. 
Listed Transactions : NON-Wells Fargo ATM withdraws {$200.00} {$400.00} {$400.00} Unauthorized Transactions : {$1000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX to unknown " XXXX XXXX  '' obviously fake name {$490.00} {$490.00} {$130.00} {$490.00} {$490.00} Unauthorized transfers from savings to checking : {$2400.00} {$1400.00} Transactions totaling : {$9000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX score went from XXXX to XXXX in XXXX months. This caused my alarm. Further research and a company named FBC Mortgage did a hard inquiry on my credit. I did not authorize this. 

First address from XXXX : XXXX XXXX XXXX XXXX FL XXXX Left a message with their legal and received no response : XXXX XXXX Next hard inquiry was for FBC Mortgage from XXXX Certified Credit XXXX Cabot Rs # XXXX XXXX XXXX CA XXXX No phone number available
Product: Credit reporting or other personal consumer reports

Recently I pulled my credit report because i was denied for auto refinance and was curious why. To my surprise I noticed a few errors not limited to my social security number being listed wrong on my XXXX credit report, multiple inquiries I did not approve, accounts that are now in collections that I did not approve and late payments that are not validated. I need the accounts attached to the incorrect social security number deleted and my social updated to the correct. Also, any fraudulent accounts now in collections also need to be deleted due to fraudulent activity and not being validated. 

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX  ) ( Account 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 an account without my written instructions.
Product: Checking or savings account

On XX/XX/2023 there were 2 credit transactions that showed posted and were never added to my available balance. I tried contacting the company numerous times and they ignored every call. 
Transaction 1 : {$5.00} in rewards redemption Transaction 2 : {$9.00} in Earnings
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I requested a copy of my full credit report, that 's when I noticed that they were inquiries on my report that I had not applied for ever. Since this came to my attention I have requested by certified mail onXX/XX/XXXX, from One Main Financial to provide me with copies of any documentation associated with this account bearing my, signature, authorizing an inquiry. Again I sen another certified mail dated onXX/XX/XXXX attempting a final goodwill gesture to allow One Main Financial to contact their erroneous reporting, and they did not do so. I also sent a certified mail to XXXX dated XX/XX/XXXX, and nothing has been done this stills continues to show on my credit report.
Product: Debt collection

I had a notice of collections that appeared on my credit report lowering my credit score by about XXXX points. On my XXXX credit report, it states the account was open XX/XX/2023. It was then sent to collections in XX/XX/2023. The amount owed is {$3300.00}. 

XXXX states it is for " AT & T Mobility '', a company I have never had before. This does not belong to me. 

I have tried to contact Sunrise Credit Services directly but they will not speak to me unless I give them my social security number ( which I am not willing to provide to these people ) or my current address. I gave them my address and they asked for a different address. I refused to give any other information because I am not going to continue providing personal information that they could continue to collect and use. I have disputed this with XXXX twice. The first dispute was through the dispute department on XX/XX/XXXX. The second dispute was through their fraud department on XX/XX/XXXX. They advised that I reach out to this site as well and I am doing so now. 

Please let me know what information is needed that I can provide to get this balance and history removed from my credit and restore it to it's accurate XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out time and time again trying to get these inquiries off of my credit report never did I ever give permission to check my credit 12 times I am being harassed and want these removed off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

As you know reporting inaccurate information on my report is against the FCRA and if you do not have any written information to where it shows my consent to do this I ask you remove it immediately. 
Us Dept of Ed XXXX {$1200.00} Us Dept of Ed XXXX {$3400.00} Us Dept of Ed XXXX {$4800.00} Us Dept of Ed XXXX {$5300.00} XXXX XXXX {$0.00} As you know reporting inaccurate information on my report is against the FCRA and it needs to be removed Immediately if you do not have any written documentation of my consent to this I ask that it be removed immediately i can not gain in my life its really slowing me down.
Product: Debt collection

XX/XX/XXXX - 1st notice received from XXXX XXXX XXXX XXXX that I was being sued by XXXX XXXX XXXX XXXX in the amount of {$8100.00} XX/XX/XXXX -I filed an answer requesting proof if debt XX/XX/XXXX - photocopies of documents were sent with an " electronic signature '' and conflicting dates and blank dates within these alleged loan documents. 

XX/XX/XXXX - trial date set for XX/XX/XXXX XX/XX/XXXX - trial date moved per plaintiff request to XX/XX/XXXX It is important to note that i just learned about this website and how selling my information to a third party is illegal. Also - the first time I learned about this alleged loan in my name was receiving certified mail from the court. This loan is not on my credit report, I have neve received a past due notice in the mail from the original lender nor any collector.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my recent dispute regarding unauthorized inquiries on my credit report. While I appreciate the efforts made to address the issue, I am concerned that the remaining unauthorized inquiries remain unresolved. Please see attached the FTC Report that I submitted previously highlighting these unauthorized inquiries on my credit file.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for days but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and saw I had some accounts that wasnt mine am a victim of identity theft. Account XXXX XXXX XXXX account number XXXX and XXXX XXXX  account number XXXX these accounts are not mine please delete these accounts immediately. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 States a consumer reporting agency cant furnish an account without my written instructions. Please delete these accounts immediately.