23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

HI Bank of America ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX  and XXXX XXXX XXXX  for code of ethics violations.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX I wired to EastWest Bank of XXXX XXXX, CA, the sum of US {$50000.00} to the benefit of their customer, XXXX XXXX for the purpose of trading cryptocurrency. The funds were diverted to XXXX 's personal use. I made a complaint to EastWest Bank, but their reply basically was it was not their problem. I penned a second letter to EastWest Bank including legal references pertaining to this case. I received a reply that their opinion had not changed. 

the funds were wired from XXXX XXXX XXXX XXXX, XXXX, TN XXXX. The wire number is XXXX. 

I have retained the services of XXXX XXXX, XXXX XXXX XXXX, XXXX , XXXX. Please copy all correspondence to XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have had several negative items on my credit report that have expired, however the companies continue to sell my collection to other companies and they restart the 7 year timeframe and are not removing the items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with XXXX XXXX  which was categorized as derogatory and had late payments. This was a mistake by XXXX XXXX  and I was able to resolve the issue directly with XXXX XXXX  and they provided a letter stating that the derogatory information should be removed ( see attachment ) XXXX also mentioned that they contacted the bureaus. XXXX was able to remove the delinquent status, and remove the late payments and removed the redeemed repossession remark. However equifax and XXXX  only removed the late payments and still show the account as a derogatory account and a redeemed repossession remark even though XXXX XXXX  contacted them to have this fixed. I would like for equifax and XXXX  to to make the necessary changes to my account to reflect an open status and not derogatory status and also to remove negative remarks since XXXX already clarified that they are amending the loans payment history to remove all references to the disputed delinquencies on this account ( see attached letter ). Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has furnished my personal information on their platform without written consent from me, that is a violation of my Consumer Rights, code 15 U.S Code 1692b. ( 2 ) This negative information has resulted in a negative impact on my financials and credit worthiness. I have attached Exhibits that prove i was denied because of the negative information Transunion has furnished on my Consumer Report without Written permission from Me the federally Protected Consumer.
Product: Credit card

They are charging excessively on the interest where I cant pay down my debt even this year Ive paid almost 2 thousand in interest for {$4000.00} debt. Its criminal what capital one is doing and not even being able to help even though I have a prefect payment history.
Product: Checking or savings account

My Chase bank account debit card was fraudulently charge {$1500.00} by XXXX XXXX XXXX CA on XX/XX/2021. I contacted Chase on XX/XX/2021 disputing the charge as fraudulent. Today, XX/XX/2021 they denied my fraud claim.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit report act. The last of account below has violated my federally protected consumer right to privacy and confidentiality under U.S.C. 1681. 
Account Name ... XXXX Account # XXXX Account Name..XXXX XXXX XXXX Account # XXXX Account Name... Credit Collection Account # XXXX Account Name... XXXX and XXXX XXXX Account # XXXX Account Name... XXXX XXXX XXXX Account # XXXX Account Name... XXXX XXXX XXXXXXXX Account # XXXX Account Name..XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Name... XXXX XXXXXXXX XXXX Account # XXXX Account Name ... XXXX XXXX XXXX Account Name... XXXX XXXX  Account Name ... XXXX  XXXX Account Name ... XXXX XXXX XXXX XXXX Account Name... XXXX XXXX XXXXccount Name ... XXXX Account Name... XXXX XXXX  Has violated my rights. 
15 U.S.C. 1681 Section 602 A. State 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.

15 U.S.C 1681 C ( A ) ( 5 ) Section state : 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has a reasonable cause to believe that the information is inaccurate. I am a natural person, I am a living human being, I have rights under 15 U.S.C.

Experian is governed by 15 U.S.C 1681 and they violated my right numerous times. I demand the accounts listed be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Please verify the following account below. Please update my credit report to show verification of this account which is reported incorrectly on XXXX and Equifax, I have never incurred debt with these creditor, I did not made or authorized it. If this account can not be verified, please delete the account. I will be sending a letter by mail disputing the account to make sure is received and addressed. 

Date Account Opened Date Reported Date Of Last Activity Date Of Status Status Of Account Balance On Account XXXX XXXX - XXXX Open XX/XX/2021 XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an unauthorized credit pull from XXXX XXXX that in turn cause me to obtain a hard inquiry on my credit report. This hard inquiry reduced my credit score. I was not aware nor authorized this inquiry on XXXX XXXX, 2017. I will like this to be removed from my credit report because it is fraudulent and I am a victim of identity theft. Along with XXXX XXXX, XXXX and XXXX XXXX was pulled fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

They did not devote enough resources to protect my personal information they were entrusted with, see link below. 

https : XXXX I checked the link on their website and they verified my information had been stolen.
Product: Money transfer, virtual currency, or money service

i NORMALLY SEND MONEY TWICE A MONTH TO FRIENDS OVERSEAS AND THE COMPANY IS NOT LETTING SEND BUT HAVING ME AS ANSWER QUESTION AS HOW LONG I KNOW THIS PERSON AND WHAT THE MONEY IS USED FOR AND THIS HAS BEEN GOING ON FOR 4 DAYS NOW AND I CAN NOT SEND ANY MONEY. THE COMPANY IS CALLED REMITLY.COM AND I HAVE BEEN USING THEM FOR SEVERAL YEARS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion TransUnion XXXX XXXX XXXX XXXX XXXX There are several inquiries listed that do not belong to me . It appears there is fraud going in. Someone is trying to open accounts in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX XXXX  I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I have called the credit reporting agencies a couple of times and had representatives hang up the line while placing me on hold. I am not moving a step further to get remedy for being violated. This is just a courtesy complaint to allow the credit reporting agencies a chance to fix what they have messed up before I go straight to US district court to collect remedy. I have accounts listed such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX, XXXX XXXXXXXX and XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX that are not mine and I require that they be removed. I tried to giving an oral and written instruction to the CRAs so now this is my written instruction in this complaint. I require that you remove and correct all I have listed in this complaint. You are currently in violation of 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the account on the credit report is incorrect. I was never late. Bank agreed to remove negativity due to their error. Please verify all information is true, accurate, and correct including name spelling, address of record, date of origin. Please check that account is not untimely inaccurate incomplete or unverifiable. Please CORRECT it quickly! 

XXXX XXXXXXXX Late Date XX/XX/21
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Attention Error Team at Experian, I am sending this to you today because I have pulled my most recent credit report and I am extremely concerned. I have done research at my end and, as you and myself are both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to investigate and correct any errors, and I would appreciate your assistance to solve these problems. 

It is very troubling as these items are reporting as incorrect and inaccurate information. I demand that you conduct a thorough investigation for each and every mistake listed, and a complete report must be provided to me after you have completed the investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 

- XXXX XXXX XXXX15 USC 1681b ( a ) ( 2 ) permissible purpose of consumer reports - No permission was given to report this! Delete and remove this from my credit report ASAP! 

XXXX XXXX 15 USC 1681b ( a ) ( 2 ) permissible purpose of consumer reports - No permission was given to report this! Delete and remove this from my credit report ASAP! 


XXXX XXXX XXXX XXXX 15 USC 1681b ( a ) ( 2 ) permissible purpose of consumer reports - No permission was given to report this! Delete and remove this from my credit report ASAP Please see the above inquiries as well.
Product: Payday loan, title loan, personal loan, or advance loan

The company wont let me withdraw from my credit line even though I pay an annual {$80.00} dollar fee. They keep claiming it is a banking connection issue but this has been going on for several months now.
Product: Credit reporting or other personal consumer reports

I have reached out to the following account below and talked to them about the issue with my account as reported by the 1STPROGRESSXXXX. They have advised me that they will remove the account and will correct the credit report accordingly and accurately, however, as I reviewed my recent report these accounts are still reporting. I am not sure how the 1STPROGRESSXXXX came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Product: Debt collection

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unfair activities. They provided this account on which we did not agree and on which I did not sign an agreement. A legal contract is signed by two parties, and I was not a part of any of them. Furthermore, they did not follow the necessary 5-step validation procedure, resulting in unfair practices. According to the FDCPA, I am entitled to {$1000.00} each infraction, and they blatantly violated my rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX My name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois ) This collections entity is using data and sending information to XXXX and other credit agencies/repositories that lacks integrity. It reports DEROGATORY remarks and reported my Bankruptcy incorrectly. There should not be a flagged Credit Reporting issuance for Bankruptcies that are discharged for anything included ( Which XXXX was included and my attorney and the courts sent them & XXXX  ALL information and discharge info ) It not only impacts consumers in many aspects of their lives but violates Bankruptcy laws and Fair Credit Reporting rules and can be construed as oppressing individuals using the system to categorize, deny jobs/employment and housing and credit and other things. Credit Reporting and attorney has been contacted. The buying/selling and sharing of consumer private information and using it to target and using the credit reporting system to share data that should not be pursued in order to deter people 's future, records, collect money that was in bankruptcy should be illegal. 

This is discrimination and violates civil and financial and privacy ( all types ) rights for me any MANY other citizens/consumers. 

cc : Attorney Illinois States Atty FDRC SEC
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several errors and mistakes that have been reported on my credit report by your agency. I have obtained a copy of my credit report from your agency and after careful review, I have identified the following discrepancies : -- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Opened a capital one 360 savings account on XXXX, XXXX 2023. Unable to access my funds for withdrawal. Its been 7 weeks and still not able to access my funds. Called capital one and they said that they were going to close the account and did not provide a reason or a closing date. It is very poor service not having access to my funds for 7 weeks now. Please close the account and send a check to my mail box ASAP.
Product: Payday loan, title loan, or personal loan

LoanMe is deducting twice out my checking account under the LoanMe name and XXXX XXXXXXXX XXXX. I was behind and had no alternative but to take out a loan in XXXX but the rate was 165 %. That rate should not have been charged in XXXX. I am Constantly being called by collections to make XXXX month payment arrangements for large amounts I can not afford. I have already paid over {$3000.00} that they say is only interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX   XXXX {$4700.00} XXXX   XXXX {$11000.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1000.00} DPT ED/XXXX XXXX {$6000.00}
Product: Money transfer, virtual currency, or money service

I am writing to express my frustration with unresolved issues on my account, including : XXXX. Unauthorized transactions that have not been addressed. 
XXXX. My account being locked without clear communication or resolution. 
XXXX. Delayed and missing transfers. 
Additionally, I am particularly upset that Cash App has gone against its own promises to protect my account. First, I was assured that my account would be secure and that any suspicious activity would be immediately flagged and investigated. However, unauthorized transactions were processed without any alerts or intervention from your team. Second, despite being told that my account would remain protected, it was locked without sufficient explanation, leaving me without access to my funds for an extended period. 
Despite multiple attempts to resolve these issues with support, I have not received a satisfactory response.
Product: Consumer Loan

In continuation to case number XXXX : Asked Wells Fargo earlier this year for deferral to move my late balance to end of the loan cycle. The rep stated that I would NOT qualify until 12 months had passed for 3 months deferral. I now find out that Wells Fargo did a one month deferral without consent -- please ask them to listen to my call with the rep whom stated I did not qualify yet. There was NO notification mailed out nor did I sign anything. I 'm seeking assistance with bringing my account current. Wells Fargo is now stating that we have to wait an additional 12 months when they should have deferred 3 months rather than one. Our credit is being impacted as we are trying to work with Wells Fargo.
Product: Checking or savings account

On XX/XX/XXXX, my USAA was compromised by an unknown entity. I was told by an operator the entity tried calling into the automated service to reset my account 4x.When that didnt work they logged into my banking account and reset my profile settings to include address, phone number and email address.Later I found out USAA sent emails to the notifications In box within my account-that the settings had been changed.I didnt receive any texts or emails for this.On XXXX, a deposit of {$2500.00} from an unknown unauthorized account posted to my checking account.On XXXX a withdrawal of {$5000.00} was withdrawn from my checking account.On XXXX, a deposit of {$2500.00} from an unknown unauthorized account posted to my checking account.On XXXX, a withdrawal of {$3400.00} was withdrawn from my checking account.On XXXX, USAA was aware of the activity and made a permanent credit to my account of {$3400.00} and $ XXXX XXXX, withdrawal of {$2500.00} was withdrawn from my checking account as a convenience check funds transfer return. 
On XXXX, a withdrawal of {$2500.00} was withdrawn from my savings account.On XXXX, a withdrawal of {$2500.00} was withdrawn from my savings account and transferred to an unknown XXXX XXXX  account ending in XXXX XXXX, a permanent credit of {$2500.00} was made by USAA to my savings account.On XXXX, withdrawal of {$2500.00} was withdrawn from my savings account as a convenience check funds transfer return. 
From XX/XX/XXXX, I have repeatedly demanded by compromised checking and savings account to be closed.I have repeatedly demanded to speak with the Fraud Department. I have spent hours on the phone to be told misleading information.I have been locked out of my own accounts even after I was told my accounts had been freezed and locked down to prevent unauthorized access. I was told numerous times the compromised accounts were locked. To date this still are not locked or closed, which I have begged them to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two letters to Experian, disputing a XXXX XXXX XXXX item that is not mine, each time, they never investigated the matter. XXXX XXXX XXXX can not provide anything regarding this account legally belonging to me. XXXX and XXXX have deleted this item after investigation.