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

Subject : Demand for Immediate Deletion of Inaccurate/Unverifiable Information Violation of FCRA 15 U.S.C. 1681i ( 5 ) ( A ) To Whom It May Concern, This letter serves as a formal demand for the immediate deletion of inaccurate, incomplete, or unverifiable information from my credit report in accordance with 15 U.S.C. 1681i ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ).

I previously disputed incorrect and inaccurate info on my report and requested a proper reinvestigation. As per the law, if any disputed item is found to be inaccurate, incomplete, or can not be verified, it must be deleted from my file. Yet, to my knowledge, these erroneous entries remain on my credit report.

PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER:XXXX  XXXX. MY ONLY AND CORRECT DATE OF BIRTH : XXXX XXXX. MY ONLY EMPLOYER IS : UPS I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Failure to comply with the FCRA is a direct violation of federal law. You are now on formal notice that if these disputed items are not permanently deleted immediately, I will have no choice but to escalate this matter, including but not limited to : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Pursuing legal action for willful noncompliance, which carries statutory damages of up to {$1000.00} per violation, along with punitive damages and attorney fees under 15 U.S.C. 1681n.

Holding you liable for any financial harm caused by your failure to uphold your legal obligations.

This is your final notice. I demand written confirmation that the disputed information has been deleted from my credit report within 15 days of receiving this letter. If you fail to comply, I will take all necessary legal action without further warning.

You have been warned. Govern yourselves accordingly.
Product: Debt collection

I was contacted on XX/XX/XXXX at XXXX ( Arizona XXXX ) by a company that stated they were representing Bank of America and were about to file in court to have me served for an outstanding debt from XXXX. They said they were moving to place a lien on my home and looking for XXXX $ in the case. I ended up settling for {$4000.00} do to the threat of being sued and having a lien placed against my home. I have DocuSign documents that say they are from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX. ( XXXX ) XXXX. They number that called me was ( XXXX ) XXXX and I was spoken to by a guy named XXXX XXXX after a XXXX A left a message on my phone saying : " This is XXXX A with process service dispatch. This call is to notify the residents at this location that this is our second and final attempt to deliver legal documents to a uh XXXX the property owner of the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. We have questions about that verified property address. Legal documents are due to be finalized and dispatched. A signature is required for proper service and delivery. If there is any information that is needed or the rescheduling of service, contact the issue in confirm that it's handling your case by dialing XXXX XXXX XXXX. Reference your case number XXXX dash XXXX. You've been notified. '' They even called my brother telling him they were going to file court summons to sue me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Odyssey of torture continues!!! With no way to update ongoing complaints I have to open a new one again. Complaint # XXXX and Complaint # XXXX. Equifax continues to inaccurately report a Social Security Variation. I just received a letter from Equifax stating that The disputed variation of the social security number has been deleted from the credit file. Well NO it has not! I also just received another Equifax credit report with, drum roll, the dreaded Social Security # Variation reported on it! If the SS # Variation has been deleted from the file then it should not appear on the Equifax credit report now or ever in the future!!! Please, please, please someone end this MADNESS! Help me to regain singularity in my identity!! ONE SS # per person Please!!!
Product: Checking or savings account

I am currently banking with Truist Bank. I have been with them majority of my life. I have never had problems with fraudulent transactions until XX/XX/XXXX. The last transactions that were made by me were on XX/XX/XXXX at XXXX XXXX, XXXX and XXXX XXXX XXXX. I will attach all transactions below. I believe when I went to XXXX someone had a skimmer and stole my information because the following day I noticed 6 unauthorized transactions. The first was XXXX for XXXX, second was XXXX for XXXX, next was XXXX  for XXXX, XXXX was XXXX XXXX for XXXX, next was XXXX by XXXX for XXXX and the last was for XXXX XXXX XXXXe for XXXX. I did not make ANY OF THESE and was denied by Truist for my claims because a chip a was used in their transactions. As soon as I noticed the transactions I called and filed the report. I need my money back and willing to provide any information to fight this because I am now down my hard earned money with no way to recover. I am wiling to explain in more detail if needed but I believe someone used a skimmer at the XXXX I went too.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately.

I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

They continue to try and impact my credit negatively and will not be paid for this false balance applied against me. I have proof of identity theft dating back much earlier and they refuse to acknowledge any of my paperwork. XXXX getting phone calls constantly and attempts to extort me are being ignored due to it not being my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Sections 2 : States a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1681C. ( a ) ( 5 ) Sections States : no consumer reporting agency may 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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or ahs reasonable cause to believe that the information is inaccurate.
Product: Debt collection

CPE Group Inc. sent me a bill for {$250.00} to collect for XXXX. I Called Customer Service that I never had any outstanding balance with XXXX. I told CBE Customer Service that this is not how XXXX works. XXXX sets up Checking Account with XXXX and this is the only way to buy or sell any products. I called XXXX on XX/XX/XXXX and they told me that I do not have any outstanding balance or if they sent this to collection with CBE Group. CBE setup a account # XXXX which they said that I owe them {$250.00} for collection. They said that I could pay balance in full or make payments. Also they said if I do not respond within 30 days by mail or by calling collections that they would send this collection to Credit Companies. CBE  Group had a Payment Processing Center, XXXX. XXXX XXXX, XXXX, IA XXXX to send money too. The Customer Service # XXXX to talk to billing dept. This Company is a Scammer, which is trying to collect money for Collections with CBE Group. They are doing this to other people and saying they owe money for collections for XXXX or for other Companies. If you need a copy of the bill I got from CBE Group, please let me know.
Product: Credit reporting or other personal consumer reports

ACCOUNTS as of XX/XX/XXXX THAT NEED TO BE REMOVED FROM MY CREDIT REPORT HARD INQUIRIES MUST BE DELETED PER 15 USC 1681 PERMISSABLE PURPOSES ALL THESE ITEMS MUST BE DELETED! XXXX FCU-ALEXNADER/EQUIFAX- PLEASE DELETE CCF INTERMEDIATE HOLDING/EQUIFAX-PLEASE DELETE LIBERTY IMPO/TRANSUNION-PLEASE DELETE MRV/VERV-REV/TRANSUNION-PLEASE DELETE FIRST PREMIE/TRANSUNION-PLEASE DELETE CAPITAL ONE/TRANSUNION-PLEASE DELETE ( 2X ) TBOM/MILESTO/TRANSUNION-PLEASE DELETE XXXX DELETE XXXX XXXXTRANSUNION-PLEASE DELETE XXXX XXXXXXXX DELETE XXXXTRANSUNION-PLEASE DELETE XXXX/TRANSUNION-PLEASE DELETE " CHARGE OFF '' INCOME WILL NOT BE REPORTED. THE INTERNAL REVENUE SERVICE STATES UNDER PUBLICATION 431 IF THE CANCELED DEBT IS CANCELED, FORGIVEN, OR DISCHARGED IT IS TAXABLE WHICH MAKES IT INCOME. 1. XXXX XXXX- PLEASE DELETE 2 . XXXXTRANSUNIONXXXX PLEASE DELETE 3 XXXX XXXX XXXX XXXX PLEASE DELETE ( ALREADY OFF MY XXXX REPORT. ) 4. XXXX XXXXPLEASE DELETE ( ALREADY REMOVED FROM MY EXPERIAN ACCOUNT ) 5. XXXX TRANSUNION/XXXXPLEASE DELETE ( ALREADY REMOVED FROM MY XXXX REPORT ) 6.XXXXTRANSUNION/XXXXPLEASE DELETE ( ALREADY REMOVED FROM MY XXXX REPORT ) 7. CREDIT COLLECTIONS/TRANSUNION/XXXX-PLEASE DELETE ( ALREADY REMOVED FROM MY XXXX REPORT ) 8 XXXX XXXX XXXXTRANSUNIONXXXX-PLEASE DELETE ( ALREADY REMOVED FROM MY XXXX REPORT ) 9. GET IT NOW/TRANSUNION/XXXXPLEASE DELETE XXXX ALREADY XXXX FROM MY XXXX REPORT ) 10. CHECKNGO/AXF/TRANSUNION/EQUIFAX-PLEASE DELETE ( ALREADY REMOVED FROM MY XXXX REPORT ) ALL CHARGE OFFS NEED TO BE REMOVED AS THEY ARE CONSIDERED TO BE INCOME WHICH IS A DIRECT VIOLATION OF MY CONSUMER RIGHTS. 5 usc 522 ( a ) an individual 's name and address " may not '' be sold or rented by an agency unless such action is " AUTHORIZED BY LAW '' 5 USC 552 ( A ) KEEPING ACCURATE ACCOUNTING 15 usc 1681 ( B ) REPORTING inaccurate information is unlawful 15USC 1681-permissable purposes. i never gave permission 15 USC 1681 ( 4 ) THIS LAW STATES THAT I THE CONSUMER HAVE A RIGHT TO MY PRIVACY. SO IF I FEEL LIKE REPORTING LATE PAYMENTS IS A VIOLATIONS OF MY PRIVACY YOU MUST RESPECT THAT AND REMOVE IT FROM MY REPORT THE PRIVACY ACT OF 1974 IM ENTITLED TO MY OWN PRIVACY. THE EDUCATIONAL AND PRIVACY ACT THAT STATES " THEY WILL NOT REPORT MY TRANSACTION HISTORY TO 3RD PARTY AFFILIATES
Product: Credit card or prepaid card

I purchased two American Express gift cards ( one for {$350.00}, and one for {$500.00} ) on 2/15 at my local grocery store. Within 6 mins of purchasing, I checked balances to ensure the cards were loaded before throwing receipts away and came to find that the money was completely wiped off the cards. I went back to store I purchased them from, spoke to the XXXX and was told I had to deal with American Express directly. I called American Express at least 15 times since XX/XX/15 and spent over 10 hours on the phone. I came to find out the cards were hacked and the money was taken the second they were loaded. American Express Customer Service provided the merchants websites and phone numbers for where the money was spent, and advised me that the responsibility was on me, to dispute directly with the merchants. However, when I called the numbers provided by American Express, I found they were completely different companies from the companies listed in American Expresss system. The companies listed in the Amex system were actually fake/ didnt exist. The companies whose phone numbers were attached to these fake companies in Amex 's system were legitimate but completely different and they had no such connection to the fake company or awareness of any transaction or purchase.

Company 1 for {$350.00} : Amex stated purchase was made to : XXXX  Gift XXXX XXXX XXXX Phone # XXXX When I called that #, it is actually for a company called XXXXXXXX XXXX XXXX. 

Company 2 for {$500.00} : Amex stated purchase was made out to : XXXX XXXX. 
Gift Card : XXXX XXXX Phone # XXXX When I called that #, it is actually for a company called XXXX. 

Both companies confirmed they are not connected to the " companies '' listed in Amex 's system, do not sell retail to consumers and have no purchases/transaction made using a Amex gift card. I also have email / text confirmations from the companies.

American Express customer service, as well as 3 supervisors ( after being hung up on 3 times and having to call back and sit on hold for an hour each time!, including " XXXX '', " XXXX '', XXXX '' and " XXXX '' among others ) advised me its my problem to deal with a lost or stolen card ( please note : the card was not lost or stolen ; it was hacked ) ; and I need to dispute with the merchants ( the merchants that are actually ghost companies that dont actually exist ) and no one would help me per their policy. 

I have now lost almost {$1000.00} dollars and American Express has washed their hands of any responsibility. I need to be very clear - I read your policy, and your policy states there will not be any refunds for a lost or stolen card and I understand that but my cards were not lost or stolen- they are still very much in my possession. The problem is that the cards were hacked and literally the second I purchased and loaded them at the store- the money was taken by someone. 

Attached are communications with the companies Amex is stating the money was spent at, providing that is not true, and the card/Amex system was hacked, along with the reciepts proving i paid for the cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX - all have negative items on my credit report that are false as these accounts were opened fraudulently without my notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it 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 XXXX XXXX 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 card or prepaid card

I am working with a bill lowering and monitoring service - XXXX - and Capital One will not allow me to let them access my account to look for unwarranted charges or subscriptions that I do not know about.
Product: Checking or savings account

I transfer funds between my savings account to another bank I have a checking account with. I've done this manually for months. On Friday, XX/XX/2022, I transferred my funds as normal and received confirmation the funds were sent. Around noon, I received a call from Marcus Savings / Goldman Sachs with the agent saying to call back. I got emails saying my account needed attention. When I called I was told my already verified external account had to be verified with the bank on a 3 way call and the funds were actually not transferred as confirmed by email. It's deceptive and putting me at risk.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has XXXX hard inquiries on my credit report that they wont remove. Ive also reached out to the XXXX credit reporting agencies experian, XXXX and XXXX telling them to stop reporting. They did not abide
Product: Credit card or prepaid card

On XX/XX/2021 my vehicle was broken into and a thief stole many contents including my credit and debit cards. I reported this instance right away for the fraudulent charges with the inclusion of a police report and confirmation of merchants who I did not shop with. The amounts are shown below, and the case has been re-opened since XX/XX/2021, but not further investigation, confirmation, or communication is present. Each time the company of Bank of America is called, there is no record of previous conversations of claim officers. 

{$400.00} {$220.00} {$210.00} {$250.00} {$52.00} {$99.00} {$51.00}
Product: Checking or savings account

On XXXX XX/XX/XXXX, I received a suspicious phishing email with Capitol One font claiming the bank intended to close newly opened savings account. The next day, I called customer service and encountered a nightmare. A customer service person in the Fraud Department who identified himself as XXXX accused me of identity theft and fraudently opening an account. I immediately stated he had no right to make such a claim because Capital One had already verified my valid Washington State driving licence and social security number in addition to confirming that I already had a valid account from XXXX. XXXX proceeded to provide misleading and contradictory information about security protocol even after he had verified my personal information. The entire conversation devolved into a power struggle where XXXX continuously badgered me because he did not believe me and he refused to accept valid state and federally issued documents. Moreover, he did not provide any answers when queried about Capitol One 's demands for constant verification on new accounts and why did Capitol One threaten to close an account after I had verified all the requisite information. To add insult to injury none of the Capitol One customer service provided any detailed information to explain why the financial institution made the decision to flag my account and later accuse me of fraud. 
I will vigorously pursue all legal options to preserve my integrity and ensure that Capitol One immediately discontinues slandering my reputation with false accusations of fraud. Furthermore, since this issue has elements of a XXXX dynamic, I will enlist support of civil rights agencies to safeguard my rights and reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The ERS company continues to call my job about debt collection instead of calling my cell phone. They also are using threatening language towards me despite my attempt to pay the debt. I do n't make enough money each month to pay the amount they want. The amount I can pay is not enough for them, so the man calling me is bullying me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent the credit Bureaus letters to verify the debt on my credit report. In response the credit Bureaus have looked into the matter and sent back reports saying, they have verified all the debts correctly. However, my credit report is still showing inaccuracies. I have highlighted the inaccuracies on my credit report. You will see the dates don't match up and are inconsistent from, ** Date Opened, Last Reported, and Date Last Active. ** The inaccuracies below- * First Federal Credit : Account Number : # XXXX For all 3 credit Bureaus * XXXX XXXX XXXX  XXXX Account Number : # XXXX On XXXX Credit Bureaus Report XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX- Account number XXXX XXXX 15 U.S. Code 1681s2 ( A ) ( 1 ) - Responsibilities of furnishers of information to consumer reporting agencies. 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 or other personal consumer reports

I have several unauthorized and inaccurate inquiries reporting on my report. First one from XXXX XXXX XXXX XXXX on XX/XX/year>, and also on XX/XX/year>. XXXX XXXX XXXX on XX/XX/year>, XXXX XXXX  XX/XX/year>, XXXX on XX/XX/year>. Its also showing XXXX XXXX XXXX  as UNPAID and I have the Reciept that its paid in full here.
Product: Credit reporting or other personal consumer reports

I applied for a credit card at key bank and was discriminated.I was told my score was XXXX on XXXXI check my XXXX credit report my score was XXXXXXXX XXXX employee told me your score is not all that it's only XXXX downplaying my score as if it's bad.This happen at XXXXXXXX XXXX XXXXXXXX XXXX spoke to XXXX They lied and said I have auto loan which is paid for.I told them not to open account if you not going to give me high limit.My credit score went down because of this.