23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing a complaint against XXXX and the third party collection agency that they keep selling my information to. It has been over 6 years that Ive had services with XXXX and they were at fault for me choosing another cellphone provider. XXXX allowed my oldest child whom was a minor at the time to come into their business and make changes to my account without asking for no identification at all. Which caused my bill to increase drastically. I tried resolving this matter with the company and I even returned all of the cellular devices as well as a XXXX speaker and it was confirmed by one of their representatives. Shortly afterwards my information was then sold to a collection agency. When I advised them that I was waiting for them to take me to court so I can explain to the judge what the company had done to me I never heard anything else from the third party company. Thereafter another third party collection agency was then sold my information again and begin to call and harass me all over again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Dispute Department RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 
Failure to adhere to these requirements constitutes a violation of federal law. 
Thereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ]. 
1. Provide me with all documentation used to verify the accuracy of the disputed information.

2. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, | expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a complaint disputing several inaccuracies and after the complaint was filed, other inaccuracies were added. Which included improper use of my credit, while violating the privacy act.
Product: Credit card

I have a family member listed as a authorized on my account. I received a letter that Capital One to destroy the card because the authorized user was removed because of past criminal activity. They were arrested but never convicted. I called and was told the decision woul not be reversed. I am responsible for the account not the authorized user. Again arrested but not convicted. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute several erroneous inquiries that appear on my credit report. After reviewing my credit report, I noticed that there are multiple inquiries that were made without my permission or knowledge, and which are negatively impacting my credit score. 

According to the Fair Credit Reporting Act, any inquiry made on my credit report without my permission is considered unauthorized and must be removed. I request that you investigate these inquiries and remove them from my credit report as soon as possible. 

I have included a copy of my credit report highlighting the unauthorized inquiries for your reference. In addition, I have not authorized any new credit accounts or inquiries recently, and I have not applied for any new loans or credit cards that would result in these inquiries. 

I believe that the presence of these erroneous inquiries on my credit report is unfair and is negatively affecting my credit score. Therefore, I request that you remove them immediately and notify me in writing of your findings. 

Thank you for your prompt attention to this matter. Please let me know if you require any additional information or documentation to resolve this dispute. 

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

company has discharged this debt. I attached proof. I asked the company on XXXX/2023 to send me my copy of my 1099c. I attached proof to this letter. company has refused to send the 1099c. as per the IRS instruction : If a creditor has discharged a debt you owed, you are required to include the discharged amount in your income, even if it is less than {$600.00}, on the Other income line of your Form 1040 or1040-SR. I attached the IRS form as well. company is still reporting this discharged debt to my consumer report. you can not report income to an consumer report as per the IRS guidelines. Company sold my personal information without my permission to a third party who can not legally collect in my state.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I became a victim of a scam attempt that used Wells Fargo ( WF ) XXXX 's service to obtain money from my bank account. The perpetrators used a caller ID that matched the Banks customer service line identically. I was instructed by the " bank rep '' to pay myself a grand total of {$3500.00} via XXXX to cancel out a hackers attempt who was trying to steal my money. I called Wells Fargo to confirm if this action reflected on their end, unfortunately it did not which resulted in my funds being stolen. I filed a fraud claim with WF and later found out that the claim was filed with the non-fraud department who denied my claim which resulted in a total loss. I later found out that XXXX XXXX XXXX ( XXXX  ) customers had also become victims of the exact same scam attempt I had been experienced. However, XXXX  obliged with their members request for protection under the federal Electronic Fund Transfer Act : regulation E, established by the Consumer Financial Protection Bureau. I attempted to file a new claim with the fraud department ( correcting WF initial mistake of filing with the wrong dept. from my first claim ) given the new intel on XXXX 's policies. After further review, WF pleaded that since I authorized the " transaction '' it is not considered fraud and they decided not to compensate me in any manner. I am filing this complaint to reveal that WF does not follow the federal law to protect its members and I hope the consumer financial protection bureau will follow up on this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi my ss # was used without my consent i have contacted the IRS and other creditors to help me resolved this problem and they have been more than helpful.
Product: Debt collection

Debt is not mine. 
Based on the letter they can not try to collect fee, fees in addition to the principal owed.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent several dispute letters to all XXXX credit bureaus ( XXXX, XXXX, Equifax ) in regards to multiple fraudulent accounts negatively affecting my credit ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) that were a result of identity theft due to a data breach and they did not remove the accounts. According to the FCRA code 1681 15 USC The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit reporting or other personal consumer reports

In XXXX I requested that you the CFPB mandate the credit reporting agencies uphold the federal law that mandates educational institutions uphold data security and protect me as the student by complying and removing any student loans. This is after address this with each credit reporting agency separately. 20 USC 1232g ( b ) You the CFPB closed the complaint without ever addressing the violation of my rights and the law that was commited by the reporting agencies also accussing me of hiring a third party which i did not.

I never knowingly gave my consent to have my " personal identifiable information '' to a third party which includes the credit reporting agencies EXPERIAN, EQUIFAX and TRANSUNION. The Family Educational Rights and Privacy Act of 1974 ( FERPA ) protects my privacy and rights not to have ANY of my student records reported. Since FERPA applies to the Financial Aid Office of Colleges and Universities that receives the funding from the federal government and maintains the records of my student loans is considered education records and once again may not be disclosed without my consent nor was I told I could opt out or reporting.
Product: Credit reporting or other personal consumer reports

I have supplied supporting documents, of proof of inaccurate information. Experian is still reporting errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete them immediately in my report : XXXX XXXX  XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}. Please remove this ASAP. 

Also this other account, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}. Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX   XXXX XXXX XXXX US DEP ED XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX USDOE/XXXX XXXX US DEP ED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEP ED XXXX DEPTEDXXXX XXXX DEPTEDXXXX   XXXX USDOE/XXXX XXXX
Product: Checking or savings account

I transferred {$2000.00} to an external account and my bank then closed the account 2 days later. I asked about my transfer/deposit and I received no answer. I need assistance making sure they deliver my transfer as promised and handle the funds as instructed,
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX and I am having problems with XXXX, Experian and XXXX giving me any type of response regarding such collections on my credit file, I am trying to move forwards in life and I must say they have made it quite difficult for me, can someone assist? Please look at the accounts listed below Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I LOOKED AT MY CREDIT REPORT AND NOTICE A LOT OF INQUIRIES THAT I DID NOT AUTHORIZE FRAUD IDENTITY THEFT PLEASE HAVE THESE FRAUDULANT INQUIRIES REMOVED   1 )    XXXX   XXXX -17  XXXX -17  XXXX   XXXX  17   XXXX   XXXX -17  XXXX -17  XXXX   XXXX   XXXX  17   XXXX   XXXX -17  XXXX   XXXX -17  XXXX -17  XXXX   XXXX   XXXX  17   XXXX   XXXX   XXXX -17  XXXX   XXXX   XXXX -17  XXXX   XXXX   XXXX -17  PLEASE HAVE THESE NON ACCOUNT INQUIRIES REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/1995 RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 
XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX  : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXXXXXX XXXX  : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXXXXXX XXXX XXXX Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 


Sincerely, XXXX XXXX XXXX
Product: Debt collection

There is a collection agency called IQ Data that is on my consumer reports ( XXXX, XXXX, XXXX ) that i have no knowledge of and they are violating my consumer rights. i have never seen a contract that shows i have done business with them or authorization that gives them the legal rights to collect from me. IQ Data has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter to them via certified mail on XX/XX/ 2022 and they did not respond to me at all which is also a violation. This company has also been contacting me without my prior consent which is a violation of 15 usc 1692c.

This company is claiming that I owe an alleged debt that I have no knowledge about. Notice the term " Debt '' means an alleged debt. So I am asking that you prove to me that I owe your company and alleged debt and I have done business with you. The Fair Credit Reporting Act states that a consumer report is any Written, Oral, or communication of any information by a consumer reporting agency. This means a consumer report is essentially the communication of information regarding a consumer. Since this is being reported on my consumer report you are communicating and I am demanding you cease all forms of communication through any medium. This included mediums such as 1. Telephone 2. Letter in the mail 3. Social Media 4. Email 5 Consumer report I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this alleged debt off of my consumer report accordingly
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : Also Known As : XXXX, XXXX, XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, therefore any such debt in fact therefore exists. 

On XX/XX/23 I put this statement on my credit report its not been over 30 days so they need to close the dispute and remove all of the items, instead the credit investigation is still open
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX A Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX,
Product: Money transfer, virtual currency, or money service

Wells Fargo mediation program XXXX is the location from XXXX, XXXX  and that is where i found out that each of the XXXX different responses that were responded requested XXXX and XXXX. This was just XXXX out of the other well Fargo case file claim i attempted to file in hopes of getting my accounts fixed and get the refunds that me and my family deserved. Deposits coming from XXXX  XXXX XXXX was coming in for response was due and i had no options but to use my orginal checking account ending in XXXX in order to get any claim resolution from XXXX  XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate removal of fraudulent entries reported by XXXX XXXX XXXX XXXX XXXX ( XXXX ) on my credit report, reflecting the same alleged debt under XXXX different account numbers. THIS IS NOT A DUPLICATE, DUPLICATE MEANS SAME ACCOUNT NUMBER AND INFORMATION. THESE ACCOUNT HAS XXXX DIFFERENT ACCOUNT NUMBERS. This is a clear case of identity theft, as my personal identifying information ( PPI ) has been misused to create and report these false debts. 

After filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX 's improper practices, they responded by submitting XXXX separate accounts for the same alleged debt. This is not only retaliatory but also suggests XXXX can not verify which of the XXXX accounts is the alleged legitimate debt. This reporting violates both 18 U.S.C. 1028 ( identity theft ) and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires accurate and verifiable information.

I demand that you remove both accounts from my credit report immediately. Additionally, I request that you provide through the CFPB portal NOT BY MAIL detailed proof of YOUR VERIFYING PROCESS FOR THESE ITEMS and how XXXX verified these alleged debts under XXXX separate account numbers using my PPI. If verification can not be provided, these entries must be removed permanently. Failure to comply will result in further legal action How did you verify XXXX alleged debt on my credit report under XXXX different account numbers for the same alleged debt.
Product: Money transfer, virtual currency, or money service

There has been several vendors all on either XXXX or XXXX that when purchasing a product that they charge much more on the tax that is from my state ( CT ) and when dealing with PayPal they do not give you back the overcharged amount. As they state it is part of the handling and service charges!?!? But when I deal with an individual vendor they always apologize and refund the overcharged amount! So I am not sure whos to blame either the foreign company or PayPal!?