23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Reference Number : XXXX Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in investigating and resolving a matter involving a debt collection agency, XXXX XXXX XXXX XXXX, regarding an alleged debt associated with the original creditor, XXXX XXXX, under account number XXXX. 


The agency claims that I owe a total balance of {$5200.00} under their current account number XXXX. I dispute the validity of this debt and request that XXXX XXXX XXXX XXXX provide proper validation in compliance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), which requires debt collectors to cease collection activities until they have verified the debt and provided documentation to the consumer. 



To date, I have not received adequate documentation that substantiates the validity of the debt. As such, I am exercising my rights under : 15 U.S.C. 1692g : Validation of debts. 

15 U.S.C. 1692e ( 8 ) : Communication of false or misleading information about a debt.

15 U.S.C. 1692c ( c ) : Ceasing communication upon written request. 



Additionally, I request your assistance in ensuring compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, specifically concerning the accuracy of information reported to credit bureaus by XXXX XXXX XXXX XXXX or any affiliated parties. Any unverifiable or inaccurate information must be removed promptly. 



I respectfully request that this debt be removed from my records unless XXXX XXXX XXXX XXXX can provide documentation proving : 1. The original agreement or contract with PayPal Inc. that substantiates my obligation. 

2. A full accounting of how the balance of {$5200.00} was calculated. 

3. Verification of their legal authority to collect on this debt. 



If they can not provide this information, I ask that this matter be closed and the alleged debt removed from my records and credit reports. 



Please notify me of the status of this complaint and any action taken on your part. I am prepared to provide additional information or documentation, if needed. 



Thank you for your assistance in this matter. 



Sincerely, XXXX XXXX
Product: Checking or savings account

In or around XXXX or XXXX I owed ally bank XXXX dollars I did an external funding to fund my account it was put in the wrong account twice. 
Ally bank was rude They made the mistakes. 
They closed both my accounts fir less then XXXX dollars I tried num6times to fix my accounts and it was dilerably put in the wrong account twice I asked them to pull the calls They lied and did not do an investigation They did this cause I'm XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} ; XXXX XXXX  XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit card

Federal law, thru the credit card act of 2009, changes payment allocation and requires that credit card companies apply any additional payments ( minus the required minimum payment amount ) to the highest interest rate balance on my card. That is not happening! Bank of America and XXXX XXXX refuse to to apply additional payments to the balance with the highest interest. I keep referring to the Card Act and they wo n't change their practices saying they are meeting federal guidelines. I need to know what to do? I keep paying above the minimum payment and they keep applying most of it to the balance with the lower interest rate ( BOFA 9.99 % vs 24.99 % and XXXX 13.24 % vs 24.24 % )
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX and XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

i an writing to formally request the immediate removal of inaccurate information from my Transunion credit report under the Fair Credit Reporting Act ( FCRA ). The following accounts and inquiries are listed incorrectly and are causing significant harm to my credit worthiness. I have previously disputed these items with TransUnion, the items still remain on my report. The continued presence of these inaccuracies is a violation of my rights under the FCRA. I kindly request that the Federal Trade Commission intervene to ensure that TransUnion remove these inaccurate items from my credit report immediately. The erroneous imformation is adversely affecting my ability obtain credit and causing undue stress. Thank you for your prompt attention to this matter. i look forward to a swift solution. 
According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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. 
So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( XXXX ) : ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. 
But they did not do that as well either. 

They are also breaking these laws as well below : According to 15 USC 1681 ( XXXX ) it states this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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 ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too.
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple attempt to resolve issues with my Credit report with Equifax through online/certified mail/and phone calls Equifax refuses to remove errors on my account. They also are not investigating my account thoroughly and sending me a letter of their findings. When I dispute my account what is happening now is they will resolve the dispute hours after I submit it. I know XXXX well they have not contact any company of am asking for this company to remove my personal information out of there system and remove all illegal information from my reports. I know they have not received any documentation in that time frame thats unacceptable. My personal information has been compromised twice with this company through a data breach and they have yet to resolve the issue.
Product: Credit reporting or other personal consumer reports

My credit score dropped considerably because of your faulty reporting, these accounts are inaccurate/incorrect and brought me nothing but XXXX and problems. An account that I have already settled ( XXXX ) and a collection account popping out of nowhere which was already deleted on both XXXX and XXXX and blocked its reporting. This is frustrating, you guys are hindering my ability in achieving financial freedom and getting approved new credit.
Product: Credit card or prepaid card

I have a XXXX card that was charged on while I was not in that state. I'm in South Carolina, the 3 charges were made on a fraudulent replica of my card at XXXX store in XXXX, XXXX, store # XXXX. Charge # XXXX XXXX, at XXXX trans. # XXXX. XXXX. Charge # XXXX at XXXX trans. # XXXX amt. XXXX. Charge # XXXX trans. # XXXX amt. XXXX. I made Police report in XXXX XXXX SC, where I live. Case # XXXX. They won't cross state lines. My bank is Truist Bank. My claim # XXXX. My card # is XXXX XXXX XXXX XXXX. XXXX. My phone # XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX  XXXX. A good contact person at the bank is XXXX XXXX
Product: Credit reporting or other personal consumer reports

See the attached FTC Identity Theft Affidavit concerning the fraudulent unrecognized accounts and inquiries listed as a result of Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX  XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"
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 {$0.00}, {$13000.00}. 
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 ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. Upon reviewing my credit report, I noticed that the account shows a negative payment status, specifically indicating that it's 30 days late. I would like to formally request that you furnish me with the proof of this late payment. If unable to do so, I kindly ask that you remove the negative payment status associated with the account. Your prompt attention to this matter is appreciated, and I respectfully request that you conduct a thorough investigation in line with the Fair Credit Reporting Act. I would appreciate it if you could provide me with the results of your investigation and an updated credit report reflecting the necessary corrections within 30 days of receiving this letter. HYUNDAI CAPITAL AMERIC XXXX.
Product: Checking or savings account

On XX/XX/year> I used my Wells Fargo debit card at XXXX XXXX for a transaction of {$25.00}. I drove to a supermarket in XXXX ( where I live ) and I noticed my card was no longer with me. I immediately went into my banking app to close my card and I noticed it was already being used. I paused the card and called Wells Fargo support to explain the situation to them. Since the card was on {$0.00} because it was drained I had to transfer {$100.00} from my savings into my checking account. They started a claim and would look into the situation. On XX/XX/year> they " temporarily credited '' my card the {$640.00} and I still called often to check on the investigation. I believe around XX/XX/year> I got another letter saying they would be removing the credited amount because they deemed that the money was not stolen. I called that same day to find out why and the representative told me that it was because they said that during my first call with them i said that I had the card on me when the money was stolen which is not true. The same day, the representative told me that she would be opening up another case and would be crediting me again. I asked If i should file a police report, because there's video evidence that can be found from the gas station that the card was used at. I called the gas station and they told me the only way I'd be able to get the video is if I filed the police report. The Wells Fargo representative assured me that this was not necessary as they would be investigating and crediting me. I have been continuously calling and trying to follow up on what investigation is actually being done but now they're telling me that the investigation is going to take longer due to the holidays, which I understand, but it's incredibly likely that the video evidence will be gone and there's no way to prove that I didn't use the card. This is even more upsetting because years ago the exact same situation happened and they also didn't have any proof as to me using the card for the fraudulent charges and once again the money that was credited to me and removed from my account. I need to know exactly what is actually being investigated and why it must take so long.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian several times in regards to these hard inquiries on my credit report that I did not authorize. Spoke with a rep by phone and they stated it would take XXXX for file to update and they will be removed well they have not been removed thats why I am contacting CFPB to file a complaint. 
Hard Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once they have removed these inquires I would like to get a copy of a updated report reflecting the change.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, I noticed that some late payments posted to my credit report : XXXX XXXX Account Number : XXXX this company is in clear violation of the law, Under 15 U.S.C. 1681b - permissible purpose of consumer reports, The Clearly States : In general.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to finish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C. 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  D.O.B, this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 info consists of credit card and installment account opened at Branch XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent late payments appearing on my consumer FICO credit report. I demand that these items be removed from my consumer credit reports and that all related to said items cease pursuant to my rights within the FCRA and FDCPA law. These aforementioned accounts were not initiated by me they were a result of identity theft and fraud. I have attached a copy of a FTC identity Theft Criminal Complaint FTC Report Number XXXX as proof from the US Federal Trade Commission that all information in this report is accurate. My information was found in the Equifax Data Breach.
Product: Debt collection

I ask for proof of a sign contact with portfolio recovery but never received one by law they must show me proof
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 SECTION 604 : " States rights to consumers privacy '' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent!
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and REMOVE them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX I placed order XXXX with XXXX, XXXX XXXX XXXX, XXXX CA XXXX. I paid through Klarna. I canceled the order the same day. XXXX advised I could not cancel until the item was delivered. I rec 'd a notice from Klarna to make a payment. I advised Klarna I cancelled the order, and closed my acct to stop further withdrawals. I continued to receive notices from Klarna to pay. I contacted XXXX, who said they did not know when the item would be delivered. I contacted Klarna, they said they wanted paid. I said I didn't receive the item. In XXXX, Klarna said they received proof of delivery from XXXX, but failed to provide the underlying documentation. They told me to file a complaint with XXXX. XXXX said to file a complaint wiht Klarna.
Product: Checking or savings account

XXXX XXXX  navy has charged me around XXXX in unknown overdraft fees