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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX To whom this may concern, RE : Inaccurate and Unverified 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation Status following your investigation : Seriously past due date I am sending this letter in response to the results of your incomplete investigation. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing these accounts and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ).

I am NOT requesting a verification, but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. Please provide me with the following information : 1. State what the money you say I owe is for.

2. How did you come to determine that amount?

3. Provide copies of agreements bearing my signature, stating that I agreed to pay what you say I owe.

4. Show me the proof that you are licensed to collect in my state ; provide your license number.

5. Provide me with proof that the statute of limitations has not expired.

6. A valid, legible copy of the agreement stating the debt and interest charges.

7. How is a closed collection account past due? This is a violation of the FCRA!

********DELETE THESE ACCOUNTS********** As you know it is against the law to report any information not proven accurate. If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

They said I owed a bank of hbc bank I dont remember having this card and if i did is was pay for. In XX/XX/2007 ending of the card they said is XXXX and they saying they trying to take me to court to pay this off. I need help because i think this is a fraud company trying to take my money.thank you the amount is XXXX and the name of the company is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy disputed on credit report. Submitted dispute, company advised the bankruptcy is valid. Contacted the court and credit report agency never submitted an inquiry or validated the bankruptcy.
Product: Debt collection

I made contact with this collection agency by phone and they refused to disclose the details of the alleged debt. In a recent phone conversation the implication from the IQ Data collection agent was that I knew that I owed this money to XXXX XXXX   and they didnt owe me an explanation. I asserted to the agent that under the law they did owe me an explanation. At that time he relented and provided a contact address to make a written request for the documents they are claiming to be proof of the debt. I also requested copies of any and all correspondence sent to me regarding disputing the debt prior to them reporting it to the credit bureaus. If they try to produce bogus correspondence, I will request that metadata be subpoenaed if I have to take this collection agency to court down the line. I know for fact that this collection agency NEVER contacted me about disputing the alleged debt prior to reporting it to collection. I never had the opportunity to fairly dispute this and thats a violation of the fair credit reporting act. 
I vacated the XXXX XXXX XX/XX/XXXX shortly thereafter IQ Data purchased this alleged debt and reported to the credit bureaus in XX/XX/XXXX. I was not contacted between XX/XX/XXXX and XX/XX/XXXX by XXXX XXXX or IQ Data International. I have no idea what this alleged debt is. In recent months I have made verbal request for this information to no avail to both IQ Data and XXXX XXXX. I have made written request to XXXX XXXX. I mailed the attached letter today, XX/XX/XXXX to IQ Data International to the following address : XXXX XXXX XXXX, XXXX WA XXXX, the address I was given by the very rude condescending collection agent that told me he didnt care if my credit report was ruined by this false fraudulent reporting. This people are awful. Predatory, preying on low income people trying to extort them for money. Relying on the fact that most people dont know their rights and will simply pay. That will not happen here.
Product: Money transfer, virtual currency, or money service

Wells Fargo implemented a new policy that prevents anyone from exchanging foreign currency at their branches without having an account with them. 

In the past it used to be possible to go into the branch and exchange currency for a fee with proof of I.D . This is no where indicated on their website and customer service has been unhelpful, this makes it impossible to exchange money in the entire State of Alaska since they are the only major institution in the state that can do any kind of foreign exchange. 

I wanted to exchange a XXXX Peso bill back to USD that was acquired on vacation. All WF branches refuse to help or even explain the reason why this policy is in place, there is no other means to get my money back unless I open an account with WF. 

This policy is not only misleading, it forces you to open a product with them that allows a monthly service fee to accrue.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified information on my credit report that were not authorized. I'm a victim of Identity theft and this information is not mine. The other Bureaus are not reporting this fraudulent information.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Method of Verification Dear Sir/Madam, I am writing to request Method of Verification ( MOV ) regarding a disputed item on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 6 ) ( B ) ( iii ), I am entitled to receive information on the method used to verify the accuracy or completeness of the disputed item. 

The details of the disputed item are as follows : Creditor Name : LVNV Account Number : XXXX Date of Dispute : XX/XX/2024 Description of Disputed Item : collection I have recently received a response to my dispute, but I am requesting clarification on the method used to verify the accuracy of the information. Specifically, I would like to know : 1. The specific procedures followed by the credit bureau to verify the accuracy of the disputed information.

2. The names and contact information of any sources contacted during the verification process. 
XXXX. Any documentation or evidence relied upon during the verification process. 

Please provide this information within the timeframe specified by the FCRA, typically 15 days from the receipt of this letter. Additionally, I request that any negative reporting related to this disputed item be suspended until the requested information is provided. 

Thank you for your attention to this matter. Please communicate with me in writing to the address listed above. 

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

The following accounts and credit inquiries listed on my XXXX, Equifax and XXXX XXXX credit report are fraudulent accounts and is the result of identity theft : Collection Account : XXXX XXXX, XX/XX/XXXX, {$220.00}, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX, Account : XXXXXXXX XXXX XXXXXXXX,
Product: Credit reporting or other personal consumer reports

A fair solution is to delete the false inaccurate information of Bankruptcy # XXXX Immediately!! FCRA rule # XXXX!!!! 
15-USC-6802, 15-USC 1681A2B Good Day I XXXX XXXX have contacted Transunion several times !!! I am demanding immediate deletion of this inaccurate information!!! I have demanded they remove this bankruptcy information!! Its either an error or a lie!! I have also contacted Nevada Bankruptcy court which stated verbatim!! They do not provide nor verify bankruptcy information!! Therefore according to FCRA Transunion is in direct violation : 15-USC 1681 , 15-USC 1681 ( section 602 ) A, 15-USC 1681 ( section 604 ) 15-USC 1681-C, I have contacted Nevada Bankruptcy Court who confirmed this is a record of direct violation of Transunion as they do not verify!! This is NOT my bankruptcy, Transunion illegally placed this on my consumer report!! XXXX XXXX also confirmed this is NOT my bankruptcy!! I repeat I am demanding that Transunion immediately delete Bankruptcy # XXXX!! and Bankruptcy # XXXX!! You cant even legally file that close together so its an error or a lie This is not my bankruptcy!!! Nevada Bankruptcy Court also stated they did not verify this to Transunion therefore this information is an error or a lie either way this is inaccurate information and I am demanding that Transunion immediately removes this off of my consumer report!! ASAP!!!! This inaccurate information does not comply with the FCRA and the information must be deleted immediately!! If this inaccurate bankruptcy is not immediately deleted off of my consumer/credit report I will contact my attorney as Transunion is in direct violation of reporting inaccurate information!! Transunion has my police report on file as well as my identity theft report from when my wallet was stolen and my information was compromised!! 
Police Report Number : XXXX I demand Transunion Credit Bureau delete this false inaccurate information immediately!!! 
XXXX XXXX Transunion File Number : XXXX Date Of Birth : XX/XX/1973 Delete this inaccurate bankruptcy immediately!! Both of these are errors!!! 
# XXXX # XXXX According to FCRA guidelines this is a direct violation of Transunion and I have the right to a fair credit report!!
Product: Debt collection

The company claims I owe an apartment complex nearly {$3000.00} when I asked them for a breakdown or proof of why they are attempting to collect this debt, and for them to properly verify this is for me. They said they can't pull up any information. I called the phone number provided many times over the years as this has been haunting my credit score, and even the apartments listed on my credit report as IQ international data, seem to have no idea why I have this negative balance on my credit file as they do not see anything on their end. They just claim I owe them nearly XXXX dollars and theres nothing they can tell me other than that. 
I do not agree to pay this for I do not feel I owe anyone anything without a reason. 
Please help me clear this off my XXXX reports..
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently looking at my credit report, i noticed some un authorized inquires. Can you kindly removes these as it is hindering my credit. 


Thanks in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair or remove these inaccurate items from my 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 XX/XX/XXXXXXXX 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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Information on Credit Report Dear XXXX, I am writing to formally dispute an inaccurate entry on my credit report under the Fair Credit Reporting Act ( FCRA ). I recently reviewed my credit report and found incorrect information regarding my Capital One account. I request that this error be investigated and corrected promptly. 

Specifically, the following information is inaccurate : XXXX XXXX : My credit report states that this account was charged off. However, this is incorrect as the account was either paid in full or settled. I request verification and proper correction of this status. 

Payment History : The report inaccurately shows past due payments for multiple months. This is incorrect because payments were either made on time or not applicable due to account closure. Please provide detailed verification or correct this section to reflect accurate reporting. 

High Balance and Credit Limit Discrepancies : The reported high balance of {$560.00} and credit limit of {$500.00} from XX/XX/XXXX do not align with my records. Kindly provide documentation substantiating these amounts or adjust them accordingly. 

As required by the FCRA, I request that the inaccurate information be investigated and either corrected or removed. Please provide me with written confirmation once the necessary changes have been made. If you require further details, I am happy to provide supporting documentation upon request. 

Additionally, I request that you send me an updated copy of my credit report reflecting these corrections. 

Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated time frame of 30 days. Please confirm receipt of this dispute at your earliest convenience. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Since XXXX, my funds have been unaccessible in my Juno Online bank account. This is causing me grief.
Product: Credit reporting or other personal consumer reports

I checked my credit report noticing that all 3 bureaus have violated my rights according to the FCRA. All information reporting must be valid, not outdated, and accurate. The names on my credit report attached to alleged delinquent accounts are not me. I have not provided a wet signature nor have I given consent for any creditor listed to furnish an account in my name. XXXX XXXX XXXX
Product: Credit card or prepaid card

Case Number : XXXX Filed a dispute with Capital One regarding the merchant XXXX XXXX sending me SPOILED perishable items which were damaged and unusable. Capital One made me jump through several hoops to provide evidence which clearly establishes I tried to resolve issue prior to filing a dispute. 

Capital One received several documents via USPS Certified Mail, including an email directly from the merchant, stating the merchant XXXX XXXX would provide me a full refund. This alone should be a slam-dunk case. 

I have an email from the merchant promising a full refund! This letter was not good enough for Capital One. They insist I provide additional documentation showing I made the spoiled items available to the merchant for return. The merchant already agreed to provide a full refund. 

I have a letter directly from the merchant stating they would offer a full refund, which was never granted. 

Capital One is not acting in good faith to honor the consumer protection laws established by the CFPB and the dispute process. I would like my account credited in the amount of {$110.00} Why would any merchant want their spoiled products returned to them? The merchant already agreed to provide full refund, and the merchant never asked for their spoiled products returned. The merchant never honored their promise. 

I requested Capital One to escalate my case to arbitration, and they refused. I provided all documents requested. I spent hours of my time gathering emails and documentation, only to be told Capital One wants additional proof I offered to return the spoiled items. 

Meanwhile, the only thing the merchant had to provide was proof of payment, shipping, and tracking number. None of this was ever disputed. All the items arrived spoiled, yet I have no remedy from the dispute process. 

The burden of proof is on the merchant, not the consumer, to establish their items were delivered undamaged. I would like a credit to my account int he amount of {$110.00}
Product: Credit reporting or other personal consumer reports

I received an alert on my credit report in regards to a new account I never opened in which I hadn't. I've never applied for or accepted an offer with and I would like them removed off my credit report. They are in violation of the law and should be reported to the FDIC as their violating consumer and credit laws. I'm asking for them to provide a contract that shows that I have provided an application or have accepted an offer from them as I have not. I won't them deleted off my credit report. I've disputed this information with the credit bureaus and they are refusing to delete this information. This also is a cease and desist. According to 15 USC 16 96 G I'm entitled to a history of payments paid by me as the keep stating I gave an account with their company as I have never never done any business with this company. I would also like to see my signature on this account guaranteeing I would pay this creditor. I'm asking has there been any insurance claim found on this debt. I want proof on a change of title that you can collect on this debt. They are stating I owe them a debt and I have yet to receive a validation of debt which is mentioned above. I have repeatedly asked for this company to delete this information from my credit report and they have refused. I have asked for validation of debt and they have yet to provide any according to the information provided above. I've never done business with this company and if they continue to report on my credit report they are in violation of the law and I'm entitled to {$XXXX} per violation. They needs to delete any and all information that is related to me and if they refuse I will use all laws applicable to me and sue. I'm a XXXX in which our information has at times appeared on our credit reports or it may be neither of ours. No matter what the situation may be I've never done business with this company or have a signed contract and this information must be deleted
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 

Account # 1234, 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 instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In trying to resolve a disputed error on my credit report with XXXX XXXX for more than a year and to no avail have they responded to the error made on my credit report. To date, it continues to show a late payment entry from XX/XX/2014 as that is impossible since the account was closed and transferred to another lender with the same account number and that one showed no late payments and paid-in-full. It appears that I have a double entry for two of the same accounts. After being assured that all would be resolved, all ( 3 ) credit bureaus still show inaccurate payment information. I was then advised it was up to me to dispute with all ( 3 ) credit bureaus and I did just that. I have written countless dispute letters for more than a year and no removal. I have been trying to clear this matter for over a year with all ( 3 ) credit bureaus XXXX, XXXX  and XXXX  and creditor directly. I appreciate any assistance you can provide in clearing this matter.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act the list below has violated my rights under 15 USC 1681 Account info Account name XXXX  XXXX BANK Account number XXXX Account info Account name XXXX XXXX  XXXX XXXX Account number XXXX Record details Record type XXXX XXXX  bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX 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

Best Buy Case # XXXX On XX/XX/XXXX at XXXX someone made an unauthorized purchase on my Best Buy credit card ending in XXXX in store at the Best Buy XXXX XXXX XXXX XXXX XXXX XXXX for {$820.00}. They bought a XXXX hair dryer and a new phone. I did not make this transaction and at the time it took place I had not even recieved my credit card in the mail yet. I also was at work when the transaction took place and provided a copy of my employments payroll software to show I was at work during this transaction. I have had my claim denied under insufficient evidence that I did not make this purchase according to Best Buys fraud department. I have no one but myself as authorized to use this credit card and they asked me if I know a XXXX XXXX and if she is authorized to use my card. I told them I do not know anyone by that name and no one but myself is authorized. My claim still got denied so I opened up a police report with XXXX XXXX XXXX for credit card fraud. Case # XXXX with XXXX. 

I have asked that when my case is reopened they provide a different investigator. Also have been hung up on from the fraud department when trying to get help. Please help me!