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

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your company notice pursuant 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your company did even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( K ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such noticed may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since i was not aware of the transaction therefore made uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

I hereby request you do the below mentioned things, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DELETE. THESE LATE PAYMENTS IN PURSUANT TO 15USC 1681a ( d ) ( 2 ) ( i ) From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

I hereby request you to do the below -mentioned things, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DELETE THESE ACCOUNT OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) If you accept my request, i will not escalate this matter to Federal Court. in case, you dont accept the above request, a legal action shall be taken against your your Company for compensatory damages.

Thank you for your attention to this matter. 

Sincerely XXXX XXXX XXXX Right Reserved Without Prejudice.
Product: Credit reporting or other personal consumer reports

This letter is intended to address some issues with your organization 's credit summary. I reviewed them during the time I had and will go into more detail below. 

To understand what rights I have, I researched the Fair Credit Reporting Act ( FCRA ). I learned that the law mandates that all information be accurate. 


Please check my credit report and correct any errors in light of this. The FCRA states that I have the right to request a check and a fix if necessary. This is a matter of trust between you and your customers as well as a legal requirement.

Remember that it's forbidden to provide false information on credit reports. Credit reporting companies are required by law ( Section 1681e ( b ) of the Fair Credit Reporting Act ) to ensure that the individual 's information is as accurate as possible. 

Last but not least, a prompt response to this matter would be appreciated. When a customer 's financial reliability is on the line, it is critical that your business abide by the FCRA. False information on a credit report should never be used as it may result in issues. I'm hoping you can fix this, thanks.

My trust in your company 's work will be restored if you respond right away, demonstrating that you respect customer rights.
Product: Debt collection

IC Systems added a collection to my credit report stating I have a XXXX bill, which I never had. The address is a family member but I never authorized a bill at XXXX XXXX XXXX XXXX. I live at a different location with my on bill I wrote the company asking for them to validate. The debt or remove it from my credit report they have done neither. It is crazy to me how they can affect your life and employment with no proof or recourse when they know they are wrong. They do n't even have to respond to your letters. This should be a crime.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've received a letter as well as a response to my complaint that the hard credit Inquire performed by XXXX loans is factual. Factual ... Based on what factual data or documentation? A credit granter attesting that a consumer was seeking one of the three criteria 's stated withing your " question regarding inquiries '' letter therefore making it permissible for said credit grantor to pull ones credit history is not factual by any means! Again I did not request credit of any kind including store or mortgage credit, I did not apply for any services of any kind including utilities, phone, cable or home security, and finally I did not indicate in any way that I was applying for credit of any kind. If you wish for me to consider this mater closed and not peruse further litigation than simply provide proof in support of your claim of said credit inquire being factual where I knowingly or unknowingly requested credit or services from XXXX loans as your criteria defines within your XX/XX/2018 " question regarding inquiries '' letter to me. 

Thank you
Product: Credit card or prepaid card

Opened account for purchase of furniture at house address where furniture was delivered. Credit card was delivered to same address. Credit card company/Synchrony Bank sent XXXX monthly bill to another address so payment would be missed on promotional 0 % APR to change/charge default interest rate at 29.99 %. Bad faith by credit card company Synchrony Bank. Synchrony Bank could not provide explanation for change in billing address not provided/initiated by myself/customer. 

Please investigate bad faith by credit card company Synchrony Bank for change in billing address. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts with Experian to fix incorrect information on my credit report regarding a closed credit card account. The account was re-dated in XX/XX/XXXX as  failure to pay after being paid off in XX/XX/XXXX. It's negatively affecting my credit score and every time I attempt to have Experian fix it, they come back less then a week later stating they have re-investigated and nothing changes. I feel that my rights under the Fair Credit Reporting Act have been violated by this incorrect account information and Experian 's unwillingness to correct the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified Who in your company verified the accuracy of these accounts or how they verified them?
Product: Credit reporting or other personal consumer reports

I am formally filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my repeated submissions of supporting documentation, Experian consistently responds within 24 hours stating that the disputed accounts are accurate, without providing any evidence of a thorough investigation. This practice is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the Consumer Financial Protection Bureaus ( CFPB ) recent administrative proceeding.

I am specifically requesting the removal of the following negative accounts from my credit report, as they are either inaccurate, unverifiable, or improperly reported : XXXX Account number XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX Account number XXXX, XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXXXXXX XXXX XXXX Account number XXXX, I demand that Experian conduct a proper and lawful investigation into these disputes, provide evidence supporting the accuracy of the reported information, or immediately remove these accounts from my credit file. Failure to comply with these legal obligations may result in further action, including filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and potential legal recourse.

Please confirm receipt of this complaint and provide a written response detailing the steps taken to investigate and resolve these disputes.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Upon further review of my credit profile It has been brought to my attention that I have been victimized by Identity fraud. I reviewed a copy of my credit report and Capitalone ran an unauthorized credit inquiry on me on XXXX XXXX 2021 .I never authorized such action and this constitutes a violation of my rights under the fair credit reporting act 604 as well as a violation of my rights to privacy. Please contact capitalone and investigate such occurrence.I am requesting an updated copy of my credit report which should be sent to the address below. according to the provisions of 612 { 15 USC 1681j } there should be no charge for the report. In addition as part of your investigation please send the names business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX phone number XXXX. Id like to take this time to thank you in advance for your speedy cooperation in this delicate situation
Product: Checking or savings account

Wells Fargo case number : XXXX and XXXX Account number ending in : XXXX Consumer Financial Protection Bureau, case number : XXXX Consumer Financial Protection Bureau , case number : XXXX Dear, XXXX  Complaints Management Office I hope this message finds you well. I am writing to address the denial of my claim, specifically the assertion that transactional activity does not constitute identity theft. However, this contradicts information provided by reputable sources, including federal law and materials from Wells Fargo and XXXX.

According to federal laws, specifically 18 U.S.C. 1028, which prohibits anyone from misusing someone's identifying information, whether personal or financial. 

XXXX XXXX defines identity theft as : Identity theft is the act of impersonating someone else to gain access to their financial accounts, obtain credit, or make transactions without their knowledge or consent. ( XXXX XXXX XXXXXXXX ) Furthermore, XXXX, a public service provided by Wells Fargo, defines identity theft as : " Identity theft is a type of fraud where someone uses your personal information, such as your Social Security number or bank account number, to open accounts or initiate transactions using your name, without your permission '' ( XXXX, XXXX  Wells Fargo Bank XXXX. ). 

I kindly request a reconsideration of my claim in light of this verifiable information. I am confident that a fair assessment will recognize the validity of my claim. 
Thank you for your attention to this matter. 

Best regards, XXXX XXXX
Product: Checking or savings account

I used Charles Schwab ATM card to withdraw XXXX XXXX pesos from a hotel atm while visiting XXXX. I use this debit card because they reimburse any foreign transaction fees and guarantee any fraud protection, even internationally. After withdrawal, I noticed that they actually charged me XXXX USD instead of XXXX XXXX pesos ( about XXXX USD ). I contacted Schwab regarding this issue and also showed them statements from the hotel demonstrating that the particular ATM I used does not dispense USD. The response from Schwab was more or less dismiss the case.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX credit card XXXXXXXX XXXX XXXX Where lost or stolen and were used fraudulently. My credit is now ruined. 2024 I moved and relocated not sure when my identity was stolen. Im reporting this to you guys so that you guys may fix my credit and fix any issues that I may have. Ive already contacted XXXX XXXX. They failed to help me. 

I cant discover they failed to believe me.
Product: Credit reporting or other personal consumer reports

I have sent several letters with no response to this company regarding inaccurate information being reported. In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX, has violated my rights.XXXX XXXX XXXXhas violated my rights. XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX  has violated my rights, XXXX XXXX XXXXXXXX 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 instruction.
Product: Debt collection

Midwest Recovery violated the FDCPA. My sister was called today and was told I had check fraud in XXXX County. She was told to give me the number XXXX. I haven't received any mail or phone calls regarding their claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet in XXXX XXXX XXXX while shopping at XXXX XXXX XXXX and my personal identity items within my wallet has bee used fraudulently every since.It was in XXXX that I first became aware of the misuse of my identity and that accounts were being opened in my name with XXXX and XXXX XXXX.I filed disputes over the years with several credit bureaus over the years when the thieves resurface and begin to use my personal information time and time again.Recently, there has been Unauthorized inquiries with companies such as XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, 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

CFPB Writeup : 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 15 USC 1681. 

I told the XXXX, Exerian, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 1681c. ( a ) ( 5 ) Section 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 has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

Owe a certain amount and its now over XXXX more wrote to them to verify nothing in return. Do not know this company that is contacting me either. Asked for cease and desist and still receiving emails and asking to put my tax returns to it. 

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to suchdebt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that thedebt collector or creditor may invoke specified remedies which are ordinarily invoked by suchdebt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumeris made by mail, notification shall be complete upon receipt.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Truist had an inquiry on my report that I did not request. I submitted a dispute to have the inquiry removed on XXXX. XXXX. XXXX and on XXXX I have not heard back as the result of this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act XXXX  ( XXXX XXXX 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 States A Consumer Reporting Agency can not Furnish a account without my written instructions.
Product: Money transfers

My son, XXXX XXXX and his girlfriend XXXX, ordered a dog on XXXX for {$270.00} on XXXX XXXX. The seller on XXXX XXXX " XXXX '', email address XXXXXXXXXXXX, phone number XXXX XXXX XXXX XXXX. The western union transaction was sent to XXXX XXXX from XXXX XXXXXXXX # XXXX. The seller told him to western union the money and he will receive the dog the next day on XXXX XXXX, 2016. After sending the money, my son got a call from someone ( XXXX ) requesting additional fees of about {$800.00} stating that the dog was stuck in MN and they needed the money to purchase a special crate for the dog. My son called me frantic. I called the seller and began questioning me as to who I am, then hung the phone up. I called Western Union and began filling out a Fraud claim but was told by WEstern Union to call back in 15 days. Today, I disputed the charges with my bank. 

I am not certain that anything will ever come out of this and my son has lost his hard earned {$270.00}. Not knowing what to do, I have decided to contact you for assistance. Any help you can provide would be greatly appreciated. 

thank you. 

XXXX XXXX XXXX email : XXXXXXXXXXXX
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Product: Debt collection

XX/XX/2020 I find it appalling that a secondary debt buyer, LVNV Funding LLC, is actively filing lawsuit across state line against people who are struggling under a pandemic with unemployment, health and uncertainty. I will be filing regulatory complaints, forwarding my complaint to national law offices for their review, posting my complaint on consumer advocacy sites ( including social media ) and writing to U.S. Senators ( including XXXX XXXX ) and other government officials of your practices to raise awareness to others of what you are currently doing. 

I have never engaged with your company for any request of credit, services or for anything else. I dont know who you people are. 

I do not have any responsibility for the debt you are trying to collect. 

Because of recent catastrophic personal events, ( including unemployment, personal and family health issues ) I have become insolvent. I have exhausted any available cash/credit to continued payments to any creditors that might be demanding payments on debts they say I owe. At the moment, I am seeking assistance from others to help pay for my health and living expenses and selling personal property of mine for day to day survival needs. 

I do not see a radically change occurring in my situation in the foreseeable future. As such, I hereby request that you Cease & Desist on this matter including withdrawing the lawsuit you filed via a XXXX, Texas office XXXX XXXX.