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

I request a detailed description of the procedure used to determine that I have a contractual obligation from the date of account creation until the date of last activity. Please ensure this information is 100 % correct and accurate based on the total amount you claim I owe. Also provide me with the name, address, telephone number of each person who verified this alleged account that you have purchased or been assigned from the original creditor or account holder that vou are stating is your source for the inaccurate information that you claim is 100 % correct and accurate. Be sure to provide the name of the employee, the number that was called, their position in the company. 

I am sure you know that a printout of a bill or itemized document does not constitute verification according to FTC opinion letter from Attorney XXXX XXXX XXXX. I have attached the documents that were sent in response to my request. 
I require compliance with the terms and conditions of this letter within 30 days of your receipt, or a complete removal from my credit profile, in writing, of your claim. 

After thoroughly reviewing 15 U.S.C. 1692g, I noticed multiple violations. As stipulated by the Fair Credit Reporting Act ( FCRA ), any information reported to credit bureaus must be accurate, complete, and verifiable. And according to 15 USC 1681b, this company has not provided sufficient evidence demonstrating that there is a permissible purpose for the reporting of this debt according to my facts. ( See Attachments ) I am requesting that you thoroughly reinvestigate this. Make sure that all relevant documents and information supporting the validity of this debt are available for examination in a timely manner. Specifically, I ask for verification of the original creditor, the amount owed, and any applicable contracts or agreements such as the purchase and/ or debt agreement. Please also provide proof that this company is able to collect this debt on behalf of the original creditor or any other subsequent purchasers. 
I require compliance with the terms and conditions of this letter within 30 days of your receipt. If you can not comply, I demand a complete removal of your claim from my credit profile in writing. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, attorney general, and appropriate county, state, and federal authorities. I also reserve the right to take private civil action against this company to recover damages. 

Stop all collection efforts, including communications such as phone calls, texts, automated messages and reporting to credit reporting agencies and/ or third parties until this request is fulfilled. Reporting inaccurate information to the credit bureaus is fraud. 

This notice serves as my final attempt to urge your compliance with the laws under the FDCPA and FCRA. If deemed necessary, I will seek legal advice, which may result in federal or small claims court action to seek damages against your company for violations, including defamation and false claims.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report. These accounts and inquiries were opened or made fraudulently in my name, and as such, I am requesting their removal in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$9000.00} XXXX. XXXX XXXX XXXX XXXX Account Number : **** o Date Opened : XX/XX/XXXX o Amount : {$400.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$22000.00} Inquiries to be Blocked and Deleted : XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX o Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX  o Date of XXXX : XX/XX/XXXX XXXX. XXXX  o Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX o XXXX of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX  o Date of XXXX : XX/XX/XXXX XXXX. XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX  Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Debt collection

In XXXX of XXXX I received a letter from Afni a debt collector stating that I owed a a balance of XXXX on an account from XXXX dated XXXX/XXXX/XXXX. I requested more information about this alleged account as it is not mine and was not authorized by me. I also have had fraud alert placed on my credit reports for Identity Theft that took place in XXXX and subsequent accounts being made in my name that were a result of this Identity Theft. On XXXX XXXX I received a letter from Afni with a bill attached for this account # XXXX stating that this bill was an account validation.
Product: Credit reporting

I have filed numerous disputes with all XXXX credit bureaus about information on my report, either too old, closed/pay as agreed, or insurance company paid bill. They have refused to investigate or remove the items from my reports. 

In XXXX, for example, I had a work related injury. I had to file a worker 's compensation suit against my employer 's insurance company. After the judge awarded me both financial and medical compensation, my attorney advised all medical bills be paid by their insurance company. There are at least XXXX items still showing on my reports that were never taken off from that injury and the judge 's decision. 

I have contacted XXXX, XXXX, and Equifax about these reports and not one of them had even investigated these. They are refusing to delete any reports and refusing to investigate said disputes. I filed the disputes not long after the judge 's decision in XXXX, but they are still there showing unpaid/collections with the remark " consumer disputes ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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 XXXX XXXX  XXXX, {$23000.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX  XXXX, {$160.00} XXXX XXXX XXXX {$110.00} XXXX XXXXXXXX, {$100.00} XXXX XXXX XXXX, {$410.00} XXXX  XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX, {$130.00} XXXX  XXXX bankruptcy discharged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number XXXX. I recently took a look at my credit report, I noticed that you are reporting this account incorrectly This collection account is reporting not as OPEN but, shows a past due balance of {$540.00}. According to the FCRA, I have right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Product: Credit card

In XX/XX/year> XXXX XXXX XXXX XXXX Credit Card cut my credit card limit by almost 50 %, which caused my credit utilization to go from a typical credit utilization of 10 % XXXX % to over 100 % credit utilization. They cut it to the amount of my balance. This caused my credit score to take a huge XXXX point decrease overall and appears to be incahoots with the credit bureaus to lower my credit worthiness overall. They didn't give me advance notice, but they did provide why and XXXX of the reasons they gave are applicable. I went from a XXXX % of revolving credit, depending on the month, to over 100 % credit utilization on the card. They single handedly forced me from being responsible credit user to appear as an irresponsible credit user. This has now forced me to appear as a irresponsible credit user to the credit bureaus. The reasons Synchrony gave me do not apply to my account. Per the letter they provided the reasons are : -The Current Ratio Of Balance To Credit Limit Is Too High On This Account This is not accurate. My balance has been XXXX % since I opened the card and I have never missed a single payment in XXXX years of having this card. 

-The Average Payment On This Account Over The Last 6 Months Is Too Low This is not accurate. Contractually I must submit at least the minimum amount due each month to keep my account in good standing. I have auto payment set on this card since I opened it and this credit card sets the minimum amount due each month and I have never missed a payment. There is even records of higher payments made during some months. 

-The Ratio Of Last Payment To Amount Due On This Account Is Too Low Again, this is not accurate. Contractually I must submit at least the minimum amount due each month to keep my account in good standing. I have auto payment set on this card since I opened it and this credit card sets the minimum amount due each month and I have never missed a payment. There is even records of higher payments made during some months. But again, at the end of the day, I have contractually met my payment obligation set in the terms and conditions and have never missed a payment of submitted a payment lower than the minimum amount due and some have submitted much higher than the minimum amount due. 

-The Number Of Months Since This Account Was Opened Is Too Low This is not accurate. This account has been opened for 3 years and not a single payment has been missed and the account has been used responsibly without ever going over 50 % usage. 

This company and the credit bureau have forced me to go from a responsible credit card user to appear as an irresponsible credit card user, it has caused me to take a massive hit to my credit score of XXXX points. It has forced me into a position of having a XXXX % credit utilization to having a 100 % credit utilization on my card for not valid reasons. This seems to be unfair credit practices and antitrust laws.
Product: Mortgage

On XX/XX/XXXX I sent email to my mortgage provider to remove my escrow account. on XX/XX/XXXX, they responded back that there was a {$250.00} fee to remove it. Since I did not find any fees listed in my mortgage documents, I requested the justification for the fee. They explained that it is policy to charge the fee. I again reminded them that I voluntarily opted-in for the escrow account and I do not have any fees listed in the signed mortgage documents so please to waive the fee. On XXXX, they insisted that it is required in order to opt-out of the escrow account.
Product: Credit reporting or other personal consumer reports

I am filing a compliant against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates 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 Finance Protection Act ( CFPA ), 12 U.S.C. 536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an outstanding collection with XXXX XXXX XXXX. When I tried to settle my debt with them, they told me that they can not speak to me because my debt was sent to a collection company. 

I spoke with the collection company ( XXXX ) and settled my debt for {$2000.00}. On the letter that I received from them, they stated that " your account will be updated on your credit report as settled/paid in full. '' My credit report was updated to show my balance with XXXX as {$2000.00} less than what it originally was. They did not report this as settled, rather they subtracted my payment from what I originally owed them. 

They are now showing that my account is still outstanding which is impacting my ability to obtain a mortgage.
Product: Debt collection

This company Contacted me by letter on XXXX and I have no knowledge to this account whatsoever. I called the company the very same day XXXX and told them that this was not mine. This company also called me today on XXXX/XXXX/XXXX. And also they have called me several times before way after the hours of XXXX at night. This is so wrong on so many levels. They demand every single time {$3200.00} and use some very disturbing language with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX in XXXX XXXX Oklahoma on XX/XX/XXXX the internet sales manager promised me that my credit would NOT be pulled and then in less then XXXX hours my credit had been pulled 3 times XX/XX/XXXX I complain to all 3 parties involved XXXX, ally financial, and XXXX XXXX XXXX XXXX  they refused to do anything about this issue so I then filed a complaint with the better business bureau and the Oklahoma attorney general and still nothing I was miss lead in order to get me to give them my information
Product: Money transfer, virtual currency, or money service

XX/XX/year> at XXXX amount {$180.00} someone hacked account and sent money to someone I dont kno and didnt approve of
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed unauthorized inquiries accounts that are not mine, 2 medical and a account that says charge off which is not accurate and nothing was done
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the numerous attempts I have made to address the fraudulent items associated with my account. Despite multiple efforts on my part, it appears that the issue persists, and I have yet to receive a satisfactory resolution. 

I initially brought this matter to your attention, and since then, I have made subsequent attempts to resolve the issue through your designated channels. 

The impact of these fraudulent activities on my personal and financial well-being is significant, and the lack of prompt and effective action is causing me undue stress and inconvenience. I expect a company of your stature to prioritize the security and satisfaction of its customers. 

I kindly request the following actions be taken to address this matter promptly : Conduct a thorough investigation into the fraudulent activities associated with my account. 
Provide clear communication on the progress of the investigation and the steps being taken to resolve the issue. 
Take immediate action to rectify any unauthorized transactions and remove the fraudulent items from my account. 
Implement measures to enhance the security of my account and prevent future occurrences. 
I believe in the importance of maintaining a positive customer-business relationship, and I hope that this issue can be resolved amicably. I anticipate a swift response and resolution to this matter. 
If the necessary actions are not taken promptly, I may be forced to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report again today and I noticed that this company is still reporting this account on my credit file that has no verification or notices according to FCRA to be on my credit file. 
They have not sent me anything in reference to this account they have just placed this account that don't belong to me on my credit file. 
Account disputed/ Inaccurate / violation of FRCA : This account is in violation of the U.S Codes listed below : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements ( b ) Opt out - provide original copy of notice sent to me 21 days prior to account being updated ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Checking or savings account

In XX/XX/XXXX, Navy Federal Credit Union accepted fraudulent information to open a checking and savings account for XXXX XXXX. After numerous phone calls, emails and letters, the account was closed XX/XX/XXXX although mailings continued through XX/XX/XXXX. Requests for information to help identify the perpetrator were made beginning XX/XX/XXXX and continued through XX/XX/XXXX. This included CFPB intervention [ XXXX ], phone calls and registered letters. NFCU informed XXXX, XX/XX/XXXX that a notarized signature, police report and driver 's license were needed to release information ( which is more documentation than that required of the perpetrator ). The information was received by XXXX XXXX, Assistant Vice President Security and Operations via registered mail on XX/XX/XXXX. NFCU has not provided the requested information or due diligence for our mutual protection.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence. XXXX v. XXXX  ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

My personal information has been stolen and sold to consumer reporting agencies therefore I am a victim of identity theft. 
I have tried disputing such claims however nothing has been done. This is effecting my reputation and everyday living. 
Pursuant to 15 USC 1681a ( d ), 15 USC 1602 ( L )
Product: Checking or savings account

On XX/XX/XXXX I opened an account at BMO Harris Bank. The checking account number is XXXX. 

I was enticed to sign up using a promotional bonus of {$200.00}, payable with these terms : " Well automatically apply the {$200.00} bonus promo code when you apply online. 2 ) Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. 

I was not excluded by any terms regarding previously being a customer of the bank, etc. 

After making two {$300.00} transfers from my XXXX XXXX account on XX/XX/XXXX and XX/XX/XXXX, I satisfied the requirements for the accounts signup bonus. I waited 120 days from the opening of the account as their terms indicated would be required for the bonus to be paid, but nothing happened. 

On XX/XX/XXXX, I contacted them on the live chat feature, and after reviewing my account, they explained : " After reviewing the account, I show you did not meet the direct deposit requirement. You have external transfer deposits into the account. The direct deposit have to be direct deposits of {$300.00} or more. They have to be payroll, pension, or government direct deposits. 

They are insisting on excluding them because they are external transfer deposits. I believe that the deposits do qualify, as XXXX XXXX transfers can be derived from self-managed pensions, but their system does not recognise this. They are refusing to credit my account with the bonus.
Product: Money transfer, virtual currency, or money service

on the XXXX of XX/XX/XXXX I made a wire a transfer of {$25000.00} to a merchant called XXXX. 
It turns out that the details ( wire details ) transferred the money to a XXXX Bank account called XXXX XXXX XXXX - this account obviously had no connection to the merchant I had ( tried ) to transfer the money to. 
In the end of XXXX I realised that this transfer was probably a money laundering or wire fraud attempt and I asked my bank ( Chase ) to recall the transfer. 
They came back to me saying that there was no more money in the beneficiary account and that they could not recall the money. 
The Recall Case Id : XXXX I feel that Chase should have shown due diligence and should have " flagged '' this highly suspicious amount and warned me not to transfer it to the suspicious beneficiary.