23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I do not have a contract with this company therefore I am not reliable for this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 I get a email alert that a collection account was re-inserted on my credit report of which it was deleted back in XX/XX/XXXX which is against the FCRA law to delete and then re-insert a item back on to a consumer 's credit report.
Product: Credit reporting or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 

Furthermore, I am kindly requesting that XXXX  XXXX XXXX XXXX to provide me, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payment on the date specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payment from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX TransUnion or all that apply ) and update the account to positive.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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 or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Discover allowed XXXX to apply a {$180.00} as a service charge on my account. a credit for the entire amount of {$500.00} should have been applied to may account. There was no service charged authorized to be billed to my credit card. This is a clear discussion. The labor cost noted was to repair the compressor that XXXX did not replace. 

Please provide the signed receipt authorizing my card to be charged {$180.00} service fee. 

Thank you
Product: Credit reporting 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 Account name : XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.SC. 1681 SECTION 604 A SECTION 2. It also states a consumer reporting agency can not furnish a account without 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.
Product: Checking or savings account

Bank of America debited my account XXXX a total of {$1000.00}. This withdrawal was unauthorized and with no notification so that I could review and contest. These monies were taken out while I was on vacation and was not able to review my account. The bottom line is I put my money in the bank for safekeeping. Bank of America released my funds through the ACH process and I have been harmed because of this. I have waited patiently from XX/XX/2022 and have made complaints in writing and verbally and in the presence of the bank financial centers virtually every day since I was aware of this bank fraud. I want my money {$1000.00} put back into my account. I have been with this bank for 50 years and can not believe Im being treated so shabbily. The bank should be ashamed and their fraud investigation department which has never contacted me to date should be investigated by the authorities.I asked that my account be made whole.
Product: Money transfer, virtual currency, or money service

I am writing to file a complaint against Crypto.com regarding the inability to access my account. Crypto.com blocked my account for no reason, Despite numerous attempts to contact them, I have received no response. This situation raises concerns about potential scam and fraud activities associated with Crypto.com. 

My name is XXXX XXXX, Heres my email with with crypto.com ( XXXX ) and I am available to provide any necessary information to assist with your investigation. 
Your prompt attention to this matter is greatly appreciated. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on my credit report online ( XXXX ) and my credit report has a new company showing up a ( in collections ) company trying to collect the {$800.00} charge is listed as Midwest recovery systems however the actual company is XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX phone XXXX I have never once done any business with this company, never have I signed up or received any loans from this company, I have never received a call, mail, or any type of literature showing this as valid this is a fraudulent charge and I would like to take legal action as I have called both companies one has no record of me, the other is clearly a scam as all they keep trying to is get you to give them personal details via telephone and use scare tactics like telling me ill go to jail unless I give them money, social security number, and other personal details companies like this should be reprimanded and not allowed to be able to do this to good people who actually pay bills, taxes, etc on time without ever being late
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate personal information has been reporting on my account. I have sent letters informing credit reporting agencies to remove the inaccurate information and they haven't removed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT IN DOCUMENTS PROVING TRANSUNION ARE REPORTING INACCURATE ACCOUNTS TO MY CREDIT PROFILE WHICH IS AN FCRA VIOLATION AND THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY!!!!!! THEY HAVE TOTALLY IGNORED ME WHICH IN INJUSTICE WHICH LEAD ME TO SENDING IN AN COMPLAINT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that XXXX and Equifax remove an account that XXXX had removed from my credit report, and XXXX and Equifax did not respond and/or they claimed the account will remain on my report. I asked XXXX and Equifax for verification and they did not respond, and the inaccurate accounts still remains on 2 out of 3 of my credit reports.
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX XXXX XX/XX/XXXX ( Experian ) XXXX XX/XX/XXXX ( Experian ) XXXX XX/XX/XXXX ( Experian ) Please remove theses unauthorized inquiries from my credit report. These are fraudulent.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX " I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX XXXX.
Product: Debt collection

On or around XXXX XXXX my legally separated x-wife went to the dentist and was seen and was billed for the visit. During the Divorce hearing the judge ordered her to pay the Bill. She waited until after she was remarried and then paid the bill under her New Married name. Ever since XX/XX/XXXX I have been receiving collection letters and phone calls asking me to pay the debit, I have repeatedly told the collection agency this is Not my debit. On XX/XX/XXXX I received another collection letter stating that the due amount is {$970.00} and I currently live in the state of Florida. The debit initially was opened in Nebraska and this debit is not mine and too old to collect. I would like the harassment to stop.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information contained in my credit reports with Experian, XXXX, and XXXX, as provided under the provisions of 15 USC 1681 regarding the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit reports, I have discovered that there are entries indicating that you have furnished my information to third parties and obtained information about me. However, I want to emphasize that I have never provided written consent for you to furnish my information to any third party or to obtain information about me from any source. 

I am aware that under the FCRA, it is required that consumer reporting agencies such as yours obtain written consent from consumers before furnishing their information to third parties or obtaining information about them. This consent is a fundamental protection afforded to consumers to ensure the accuracy and fairness of the information contained in their credit reports. 

As such, I request that you provide evidence of the written consent that I allegedly provided for you to furnish my information or obtain information about me. If you are unable to provide such evidence, I demand that you remove all entries related to information furnishing and obtaining from my credit reports immediately. 

Please note that failure to comply with this request may result in legal action being taken against your agency for violations of the FCRA. I expect a prompt response to this dispute within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX XXXX Balance XXXX {$4800.00} XXXX XXXX XXXX Balance XXXX {$7100.00} XXXX XXXX XXXX Balance XXXX {$3600.00} XXXX XXXX XXXX Balance XXXX {$7000.00} XXXX XXXX XXXX XXXX Balance : {$190.00}
Product: Checking or savings account

My bank failed to refund overdraft fees when I reported transactions as fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

FINAL NOTICE PRIOR TO FILING SUIT ON XX/XX/2018 I have disputed this account with XXXX, transunion, XXXX, and XXXX  has been dispute several times in the last 120 days with no validation provided to me that this is my account, XXXX wont respond but with an itemized statement. 

The XXXX opinion letter does not consider itemized statement to be validation, neither does the courts, it also does not consider 3 party systems as validation neither does the courts its hear say, the only documents considered as validation is a contract or agreement tha has the creditors name, the amount agreed upon and my signature. 

i have all these company 's to provide this document after there investigation if they declare its validated, then XXXX, Transunion and XXXX are require by law to provide directly to me the information use to validate account, that includes the person they talk to address, phone number and document provided to them as proof in which neither of these has been done, i believe at this time they are reporting in bad faith and profiting on un-validate account at this time if its not resolve by time i file in court i will not withdraw my suit and the courts will render there decision i will aslo file for {$2500.00} against each credit report company. 
they have till XX/XX/2018 to validate and provided me with documents for they have had plenty of time to have this proof on hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the bankruptcy on my credit reports numerous times, I never have had an active bankruptcy. XXXX, Experian and XXXX  have been saying that they have verified the account as valid but have not provided any proof of verification. I went to bankruptcy court to pay for the official paperwork but I started back working before my court date so the paperwork was never filed but somehow it has popped on my credit report making it very hard for me to qualify on buying a home this year. Please look into this matter and delete this inaccurate information from my credit report as it is a violation to my rights as a credit consumer to have information like this reporting incorrectly. 

Bankruptcy Dismissed - XXXX
Product: Credit card or prepaid card

Since XX/XX/XXXX I have been receiving monthly statements at my home address for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is not mine. I do not, nor have I ever, had any business with Towne Bank. Here is a history of the attempts I have made to get this corrected : XX/XX/XXXX : Called Cardmember Service at XXXX. Spoke with XXXX and explained what I received. She verified that this was sent to the wrong address and would correct it. XX/XX/XXXX : Called and spoke with XXXX and told her I was still receiving statements, and was very concerned with how this account got associated with my address, and concerned that they hadnt corrected it yet. She consulted with her supervisor and said they would try to contact the customer and get the correct address. She assured me this is not associated with me. XX/XX/XXXX : Called and spoke with XXXX, and explained what was ( still ) going on. She transferred me to supervisor and I was cut off. I called back and spoke to XXXX, who transferred me to her supervisor XXXX ( ID # XXXX ). I explained ( again ) everything that has gone on, and she said she would change the address to the business address. I have received 3 more statements since then ( the latest on XX/XX/XXXX ), and am over calling them to get this resolved. In this day and age of Identity Theft, this really worries me that they can not verify a correct address for a customer, can not get my address removed from the account, nor can they provide me with a positive email or letter to say they have corrected it. They have asked in several of the conversations that I simply disregard and discard the statements. When I requested they send me some sort of confirmation that they had corrected the problem, they said they could not do that. After multiple attempts to get this corrected, and assurances that it would be taken care of, it is clear they are unable or unwilling to follow up and correct this. Whether this is incompetence, laziness, or just complete lack of concern I do not know, but my biggest concern is that if this is their response to my problem, how would they prevent someone from completely stealing my Identity? They already have their statements coming to me.
Product: Credit card

They keep charging my bank XXXX $ for a bill I refuse to pay because its full of fraud charges. I tried to report fraud but they refused to take it seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a validation letter to XXXX, Equifax, and XXXX regarding some inaccuracies that are reporting in my credit report ( attached below ). I exercise my right to request all three bureaus to provide me with verifiable proof that the negative items reporting on the accounts listed below belong to me or they have to remove those immediately. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through physical verification of the alleged original signed consumer contract to prove those accounts belong to me and that whatever they report on my credit report has to be 100 % accurate. On XX/XX/XXXX, I received a letter back from XXXX stated that they verified those accounts as accurate which is false and misleading which is a violation of my consumer rights. How can they verify it to be accurate if you can see the invalid inconsistencies in plain site ( shown below ) As for XXXX and Equifax it's been well over 30 days and I never received any investigation results In regards to the late payments that were reported, that is 100 % false because I paid those accounts on time, but to my understanding late payments shouldn't even be reported due to the COVID Forbearance Act. Not to mention I also have hard inquiries reporting on my account that don't belong to me.
Product: Credit reporting

The issue involves Equifax reporting agency with them deleting information from my report and said that it was deleted but I did not initiate the dispute I have attached a letter of complaint to this issue it has been attached to this complaint.
Product: Debt collection

This complaint is being filed against WestLake Financial Services for Violating my rights pursuant to Florida State Statutes 537.012 Repossession, disposal of pledged property ; excess proceeds. ( 3 ) Upon  taking possession of titled personal property, the lender may dispose of the titled personal property by sale but may do so only through a motor vehicle dealer licensed under s. 320.27. At least 10 days prior to sale, the lender shall notify the borrower of the date, time, and place of the sale and provide the borrower with a written accounting of the principal amount due on the title loan, interest accrued through the date the lender takes possession of the titled personal property, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. At any time prior to such sale, the lender shall permit the borrower to redeem the titled personal property by tendering a money order or certified check for the principal amount of the title loan, interest accrued through the date the lender takes possession, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. Nothing in this act nor in any title loan agreement shall preclude a borrower from purchasing the titled personal property at any sale. 

10 days prior to sale lender did mail out a Notice of Plan to Sell Property with time and date and stated Private Sale - Pursuant to Florida Statute 537.012 ( 3 ) may do so only through a motor vehicle dealer licensed under s. 320.27 as well as failed to provide place of the sale and provide the borrower with a written accounting of the principal amount due on the title loan, interest accrued through the date the lender takes possession of the titled personal property, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. 

Notice does state if I want any of the above information I needed to contact them but the statute clearly states they need to provide all information 10 days prior to sale. 

I have attempted to disputed through all 3 major credit bureaus but above subject matter was ignored. Reattempting dispute.