23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Please refer to my previous letter for the information that needs to be re-investigated. 

1. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX MD Account Number : XXXX This Account is Inaccurate and I'm seeking litigation please delete at once 2. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account XXXX : XXXX Please supply information on how you have verified this item. 
3. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
4. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
5. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX  BANK Account Number : XXXX Please supply information on how you have verified this item. 



Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information
Product: Credit reporting or other personal consumer reports

These inquiries are unauthorized and they are not related to any transactions by me. 
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, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions This account is reporting that it is charged off at the same time it is reporting an increase in balance monthly this is illegal and violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/X/17 I disputed an account that is reporting as a collection with Equifax for XXXX XXXX XXXX. The account came as verified and updated but had they verified the account the few times I have tried to dispute they would have seen that XXXX XXXX XXXX owes me {$100.00} for a deposit they kept of mine. That I now have to go through the treasurer of my state to collect. I am requesting that the negative listing be removed from my credit report.
Product: Money transfer, virtual currency, or money service

XX/XX/2020, On Paypal, {$54.00} was sent to XXXX XXXX, XXXX I did not authorize this transaction and they won't return my money. Paypal hasn't offered the option of " reporting an issue. '' I decided to come to this site because paypal gave in a small description that the Consumer Financial Protection Bureau helps with issues such as these.
Product: Credit reporting or other personal consumer reports

The company sent an approved forbearance notice for XXXX XXXX XXXX. However, the company reported the account as late for XX/XX/year> and XX/XX/year>. I have been denied access to other opportunities because of the recent dates of reported late payments by this company.
Product: Credit card

I received a statement for the period dated XXXX XXXX-XXXX XXXX XXXX. On XX/XX/XXXX I was charged interest on a cash advance from XXXX. No interest on that advance was charged earlier. The Chase Freedom XXXX XXXX explained that interest on cash advances accrues from the date of the advance, and does not appear until the next statement is closed. I can not pay the interest earlier than the next statement period, and can only pay it then by paying the entire balance. So I am charged almost a months worth of interest without recourse, and a second months interest unless I pay the full statement amount the day it closes. Cash advances are charged 29.24 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I wrote all 3 bureaus and asked them to look into some accounts on my report that are inaccurate. I sent these letters certified mail and I have record that they were received. Since then, I have sent follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020. I have yet to see any information regarding the accounts that I am challenging, nor has any of the misreported information been updated. It is a clear violation of the FCRA to continue to report incorrect information after they are made aware of the mistake, isn't it? I feel that my rights are being violated and it is having a negative impact in my life, for obvious reasons. I have tried to maintain patience however, this has gone on for far too long and I want these issues addressed immediately. Thank you.
Product: Credit card or prepaid card

I have a Bluebird prepaid debit card with American Express. On Tuesday XX/XX/2018 I received an email stating that I needed to verify my account or that it would be deactivated. On Wednesday XX/XX/2018 I had a scheduled direct deposit of my paycheck going to the card, which indeed posted, however only minutes later, someone assumed my account and made 2 unauthorized money transfers to someone named XXXX XXXX. The first was in the amount of {$47.00} ( XXXX ), the 2nd transfer was for {$1000.00} ( XXXX ). This left my family with {$0.00} total - I immediately in less than an hour contacted American Express upon receiving the email notifications of these sent money transfers, however they stated that the money was already gone. They opened the fraud claim investigation. I filed a police report with XXXX XXXX police department in XXXX SC. Friday night XX/XX/18 they emailed me stating that my claim was denied because the transfers were authorized. I insisted and they reopend the investigation, per their own policy they state that they may take up to 45 days to conduct their investigation, however a provisional credit will be issued if it exceeds the 10th day, and that I would have been made aware of the progress being made, and I've heard nor seen anything and the 10th day was on XX/XX/2018. I forwarded them the screen shots of the emails that are still actively coming to me to " verify '' my account as well as gave them information pertaining to where the police report was filed at,.
Product: Debt collection

I was notified of a derogatory mark on my credit in the amount of XXXX dollars. This Mark was from the company Enhances Recovery Company on behalf of XXXX XXXX XXXX issued on XXXX XXXX XXXX. The issue is I havent had an XXXX XXXX XXXX account since XXXX. I attempted to dispute this mark, but was told that the mark was accurate, which is untrue.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act 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 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 or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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 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 XXXX XXXX XXXX XXXX XXXXount XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : 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: Debt collection

This account was fraudulent open in my name for the amount of {$120.00}. 
The date it was reported was XXXX XXXX
Product: Debt collection

AARGON AGENCY reporting a debt of {$330.00} was added to my personal file XX/XX/2016 as I discovered through my monitoring service. This account is a result of identity theft and has been reported and is being investigated and blocked from my file. I have tried to reach out to this company in regards to resolve and remove this fruadulant account from my file. This account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCT ending in XXXX Around XX/XX/XXXX I had claimed fraudulent transactions on my old XXXX account that was no longer being maintaind actively by me. XXXX falsely concluded that the transactions were not fraudulent and reported " account abuse '' through XXXX without any explanation as to how they concluded the investigation. " XXXX '' from your XXXX XXXX   customer service line called me on XX/XX/XXXX and after a 68 minute phone call the conclusion was " You have to call XXXX XXXX to report the account as fraudulent ( even though it was one year ago and has since been closed ) and you owe XXXX as the charges are not fraudulent. '' The conclusion was incoherent and did not corroborate with the " account abuse '' remark on my XXXX report. 

XXXX was disputed back in XXXX and concluded as valid by XXXX. Again, I submitted multiple pieces of documentation proving that the transactions taking place in the account were fraudulent. 

I have been an excellent customer of XXXX since XXXX and this type of treatment during a time of identity theft is unwarranted.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I noticed several unauthorized hard inquiries on my credit report from XXXX XXXX NA dated XX/XX/XXXX, and XX/XX/XXXX, as well as from XXXX on XX/XX/XXXX. These inquiries were made without my knowledge or consent. 

Upon discovering these fraudulent inquiries, I immediately filed an Identity Theft Report and gathered the necessary identification documents to dispute these items. I took steps to contact the relevant financial institutions and Experian to notify them of the fraud. Attached to this dispute are copies of the Identity Theft Report, my driver 's license, and my Social Security card for identity verification. 

Despite my prompt reporting and submission of supporting documentation, the unauthorized inquiries remain on my credit report. These fraudulent actions have negatively impacted my credit score, and I am seeking the immediate removal of these inquiries under 15 U.S. Code 1681c-2, which requires credit reporting agencies to block information resulting from identity theft within four ( 4 ) business days after receiving the proper documentation. 

I am asking that the inquiries be removed immediately, as they are false and harmful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unsure why this bankruptcy is still being reported on my credit report. Per XXXX XXXX there is no record of bankruptcy. However XXXX, is documenting that gave them the information on my credit report. XXXX XXXX stated the bureau was notified but they continue to report this information when it should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to have Experian to update my credit report since XXXX The update would be how Ive made car loan payments and a personal loan although the reporting agencies have been sending the updated payments Experian hasnt updated anything since XXXX I have put in several disputes and cant get them to update it I am trying to purchase a home and this is effecting my livelihood!!
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX dealership ran my credit report multiple times without out my permission with different banks Between XXXX and XXXX. I reached out the dealership and the XXXX XXXX XXXX.
Product: Debt collection

Midland funding debt company Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX Amount in collections {$1000.00} I never had this account or anything associated with it. This is false. I have done several disputes and sent letters which have been ignored. They continue to deny the disputes, yet can not prove this is my account in anyway or that this is valid
Product: Credit reporting or other personal consumer reports

Doing XXXX data breach, my information was stolen and there still is accounts and inquiers that are not mine. I had called XXXX many time and got no where. 
All so asked them about the date breach lawsuit and the money XXXX owes me.
Product: Checking or savings account

On XXXX XXXXXX/XX/XXXX I received a bill pay check i sent to myself to access my funds and deposited into my new checking account on XXXX XXXXXX/XX/XXXX I received an email saying my {$14.00} rush processing fee was returned due to insufficient funds I have sufficient funds and on XXXX  XX/XX/XXXX my bank returned the check for insufficient funds this bank has denied me access to my money my consumer rights and at this point it would take less effort just to file a small claims case because obviously there is no other way to hold them accountable
Product: Vehicle loan or lease

I have had an issue with American Credit Acceptance with the way they have handled my situation and have never tried to give me any answers. 

I had saved up the total i needed to pay of my car and i called to make the final payment. I spoke to a lovely lady who told me congratulations and etc. so i waited, waited waited, my title never arrived. 

I called back a few weeks later to check the status and they told me that I still owe them {$3000.00} before they can send me any information. 

I feel this is very Shady and I would love to have someone look into it. I asked for documents for my payment history and I was met with attitude.
Product: Debt collection

This company is trying to collect {$97.00} from me for a debt they claim I owe. I have written them several letters since XX/XX/2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Debt collection

I C SYSTEMS COLLECTIONS # XXXXI believe under the Fair Debt Collections Practices Act, I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from MEDICAL-XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to { name of provider } for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization -Please provide breakdown of fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you -Cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter-sent certified mail as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will respond by certified Mail.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts I have included screenshot inside this complaint in on dates XX/XX/2023 or XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. 

Thank you, Please see screenshot attached
Product: Credit card or prepaid card

Dear Madam/Sirs : I have two credit cards with XXXX XXXX. I have been unable to pay due to reduction in income and no income over the summer as I contract with the school system. My issue is that they have started calling relatives in another state who are not on my credit cards or credit application at all. I am not sure how they got their phone number unless they researched my personal information to include relatives. I received a call from my uncle in another state - XXXX XXXX XXXX - who stated he had been receiving calls from XXXX XXXX. He deleted three weeks ' worth of calls, but I asked him to record them. HE IS NOT AN additional card holder but I had to check this on complaint in order to send this complaint online. As of now, XX/XX/XXXX, he has received a call on XX/XX/XXXX at XXXX XXXX at XXXX  and XXXX XXXX on XXXX. I feel this illegal activity on behalf of XXXX XXXX. Thank you. 

Sincerely, XXXX XXXX XXXX