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

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS GLOBALLEND Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep concern and frustration regarding the numerous attempts I have made to remove fraudulent items from my account. Despite my repeated efforts, it appears that the issue persists, and I have not seen any resolution. 

I have encountered unauthorized transactions and fraudulent activities on my account multiple times, and I have diligently followed your provided procedures for reporting such incidents. However, the lack of effective action on your part has left me dissatisfied and concerned about the security of my account. 

I would like to bring to your attention the following instances where I have reported fraudulent items : Despite my cooperation and adherence to your reporting protocols, the fraudulent items have not been adequately addressed, and my account security remains compromised. This situation is not only inconvenient but also raises serious concerns about the integrity of your security measures. 

I request an immediate and thorough investigation into these matters to identify the root cause of the repeated security breaches. Additionally, I expect prompt action to remove all fraudulent items from my account and to reinforce security measures to prevent such occurrences in the future. 

If necessary, I am prepared to provide any additional information or documentation to support your investigation. I trust that you will treat this matter with the urgency and seriousness it deserves, and I look forward to a swift resolution. 

Failure to address this issue promptly may compel me to escalate my concerns to relevant consumer protection authorities and consider legal action to safeguard my rights as a customer. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

Hi there, I got a payday loan with Cash Central in the amount XXXX XXXX I have been using their service for over a year and always pay on time. This time I took the option of breaking the repayment into 4 monthly payments of XXXX ( totaling XXXX ) so I could stop re-loaning. When the 1st repayment date came I realized the payment was attached to the incorrect bank account. I called them to change the accounts but they said i had to wait until the payment was returned. Afterwards instead of making the payment the next day they sent me account to the collections office straight away and charged an extra fee. 
I called them to ask to re-instate the repayment plan but they insisted I pay in full. I made an arrangement to pay over XXXX third of it that week which processed successfully. I called them to organize the repayment of the remaining XXXX . When i STATED IT WAS NOT IN MY BUDGET to repay the entire amount on the spot they asked me how much money i had in my bank account. Both people asked me this the two times I had called and treated me forcefully. I stated I had n't arranged for XXXX two payments but the lady had suggested a plan. They had set up two more payments form my card for the following two weeks. I told them that these were not authorized but only suggested by the representative and that she said she would call me to discuss. I had to argue with a lady for 20 minutes in order for her to not process the next XXXX $ on my card that week, which I could not afford. I had to keep stating " I do not authorize you to charge my card ''. she finally agreed to wait until the following week. 
Today I look at my bank account and the entire amount of XXXX $ was attempted to be processed yesterday without my authorization, which is entirely illegal right?? 
Not only did I not have a scheduled payment, I clearly did n't authorize the payment of XXXX $ never mind XXXX XXXX At the end of my phone call the lady asked if i was still with XXXX XXXX XXXX and i said yes. So they decided to use my account information to try a payment even though unauthorized. 
I do n't think these companies should get away with this kind of activity. I paid on time every month for a year and they are acting without boundaries, and illegally, using my card information without my authorization.
Product: Bank account or service

While cashing a PNC BANK CHECK at PNC Bank for a medical insurance reembersement I was charged a check cashing fee. This is essentially a fee with no service provided to the bank customer who issued the check and a fee extorted from me to get the check cashed or black mailing me into getting an account for the privilege of not paying a fee to get my own money. It is a pure money making scam with no service provide to the bank customer who issued the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Account XXXX XXXX XXXX ACCT # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX, XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 XXXX XXXX placed a Hard Credit Inquiry for a  XXXX. This inquiry was not made by me. XXXX could not say how the inquiry was made online, in person or by mail. They did tell me they closed the account, which didnt make sense because according to the letter they sent me an account was not granted. They agreed to remove the inquiry but it remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX in XXXX, TX XXXX ran hard inquiries on me for a auto loan and i di not give them consent. i told them to stop after the first check. ALL hard inquiries were done when i was not even in the car dealership. They tried to get loans for XXXX $ from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX that went on my TRANSUNION Report. THey also ran credit for XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, that all went on my XXXX Report. A total of NINE hard inquiries that were without my consent
Product: Credit reporting or other personal consumer reports

I am a victim of XXXXXXXX The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Unauthorised transaction in the amount of {$120.00} to XXXX XXXX
Product: Money transfer, virtual currency, or money service

Unexpectedly this evening me and my sisters account bot got limited, mine being permanent. I had acquired prepaid XXXX  from my work as incentives and used multiple of the cards on my account, during these transactions I was sending some of the money to my sister as shes a single mother and needed to fix her car. Her PayPal account did not have the established transactions required to cash out basically any money so she sent it back to me so we could get it figured out another way. Well both of our funds are being denied from us and it is all the money that either of us have and I am not understanding what rules were broken or what risks my account poses when I have been a customer for 2 years with no chargebacks and o have linked bank account with my information along with corresponding debit card. I am requesting a review be made at the highest possible level as I feel this is not right to hold my money for. If you want to close my account so be it but the funds should be made available immediately since I did not get any warning to plan for this.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Re : Dispute of XXXX XXXX XXXX XXXXXXXX Dear [ Credit Bureau ], I am writing to formally dispute the inaccurate and unlawful reporting of the above-referenced XXXXXXXX XXXX XXXX XXXXXXXX account on my credit report. This company is in violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, and is engaging in misleading, false, and deceptive practices that infringe on my rights.

1. Failure to Provide Validation of Debt : Under 15 U.S.C. 1692g, I have the right to receive proper validation of the alleged debt, including details regarding the amount owed, the original creditor, and supporting documentation to substantiate their claims. Despite my attempts to resolve this issue directly with XXXXXXXX XXXX XXXX, they have failed to provide the required validation, yet they continue to report a charge-off on my credit report. This failure violates federal law. 
2. False and Deceptive Reporting : Reporting a charge-off without validating the debt or providing supporting documentation is a misleading and deceptive practice. This is a clear violation of my rights as a consumer and contradicts the standards set by the Fair Credit Reporting Act ( FCRA ) and FDCPA.

As a consumer, I am entitled to {$1000.00} per violation of my rights under the FDCPA. JPMCBs continued failure to validate the debt and their deceptive reporting practices constitute multiple violations. I demand that these accounts be removed from my credit report immediately or that I be compensated as per federal law. 

I have made good faith efforts to resolve these issues directly with XXXX XXXX XXXX but they continue to disregard my rights. Therefore, I am requesting that the credit bureau take immediate action to investigate this matter and correct my credit report. 

Under the FCRA, you are required to conduct a prompt and thorough reinvestigation of disputed information and notify me of the results within 30 days of receiving this letter. 

If this matter is not resolved promptly, I am prepared to escalate it to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seek legal action if necessary. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of this account or a resolution that is in compliance with federal law. You may contact me at [ XXXX ] or XXXX if further information is required. 

Sincerely, XXXX XXXX [ Last Four Digits of XXXX XXXX XX/XX/scrub>XXXX Let me know if youd like additional edits or enhancements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Walmart CapitalOne Credit Card. 
Transaction Date : XX/XX/2022 Transaction Amount : {$68.00} I have submitted to make payment on XX/XX/2022 and I thought it was successful. I did not receive any email communication if the transaction was not successful. 

XXXX Month : Interest with late fees. 
XXXX Month : Interest with late fees. 

I have not received the emails to my Inbox, CapitalOne email notifications go to my scam email box. Interestingly. their advertisement emails are being received in Inbox though. 

In between, I have not received any mail communication. On XXXX month, I received the last mail where I called the CapitalOne Bank. They waived month interest and late fees and we agreed to pay {$96.00} and close the account. 

When I paid {$96.00} for a transaction of {$68.00}, it is fraud that they have impacted my credit report. There is a XXXX point drop in my credit report reported by XXXX XXXX. 

Thank you.
Product: Debt collection

The harassment is the defiance of telling them not to call company phone ... because I am a XXXX and the boss has told us not to answer non delivery calls because it interferes with safety. The ey have not obeyed our demands. The part that challenges me is that they call me on my work phone and usually it 's every day XXXX more than 3 times a day. The last straw is that demanding tones of coming in to make payments on their terms. They are demanding me to make commitments to pay that totally do n't meet my budget.
Product: Debt collection

I have requested validation of an item reported to by MCA Management for a bill associated with XXXX XXXX XXXX XXXX. Instead I received my confidential medical records ( XX/XX/21 ) in response without a prior written release, the third party agency, clearly violating my rights under HIPAA and ( FDCPA ) as the debt was paid in full to XXXX XXXX XXXX XXXX. I am allowed under the Health Insurance Probability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXXXXXX XXXX for them to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization especially as this debt is no longer owed to the original creditor. 
I again reached out to MCA Management to ask them to remove this from my credit report ( XXXX XXXX and XXXX ) however, this debt is still reporting as owed however I do no owe any debt and the debt has not been validated.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau, After reviewing my credit report, l noticed multiple credit inquiries were made as follows : XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX I did not authorize these inquiries and therefore I am requesting that these inquiries be removed from my credit report. 
These inquiries were made WITHOUT my knowledge. 
Please remove these inquiries from my credit report and send me an updated copy once it has been removed.
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 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX 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

Wells Fargo Account ( claim number ) XXXX UnAuthorized transaction of {$600.00} was made from my account. The account only had $ XXXX which left the account in overdraft. I flied a claim, they reimbursed the claim only to reverse the transaction. I payed off the Overdraft with my own money and closed the account. I received an email from Wells Fargo XXXX  days ago claiming i was to receive what the bank owed.
Product: Money transfer, virtual currency, or money service

There was a misunderstanding with my bank regarding a dispute case back on XX/XX/2019. I filed a couple charges as fraud on from my cash app account but my bank inadvertently filed about 3-4 months worth of charges as fraud, which totaled to {$2100.00}. I didnt know this until recipients of the money Ive sent all notified me that the payments Ive sent them were disputed and retracted from their bank accounts via cash app. I immediately notified my bank, XXXX XXXX of what happened and they cancelled the dispute on XX/XX/2019 and informed me that the {$2100.00} will go back to cash app and everyone will get credited back their money. Nothing has come back to my cash app account nor to the people that lost money due to the disputes. Cash app also closed my account due to all the chargebacks and it seems the money is sitting in their system due to my cash app account being closed. My bank said the money was sent refunds back to cash app but their not helping me access the funds. Ive notified them many times that the refund is somewhere stuck in their system but they wont help me because my account is closed. I need help getting access to the refund that was sent from my bank to cash app.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing a copy of my credit report I noticed some fraudulent inquires on there. I have never applied for credit with any of these places nor do I have any accounts or business with them. Please remove these fraudulent inquires from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

AmeriHome Mortgage transferred my mortgage loan to XXXX XXXX in the month of XX/XX/2019. During that time, I was in the application process of a loan modification. In order for me to qualify for the loan modification my loan had to be past due. So to avoid a 30 day late, I would make my past due payment later in the month but well before 30 days to avoid the reporting. 

When I tried to make my XX/XX/2019 payment in late XX/XX/2019. AmeriHome told me that my loan was transferred and to call XXXX XXXX. 

I called XXXX XXXX  but they said my information was not transferred and to call back. I explained the circumstances and explained my fear of a 30 day late reporting. XXXX XXXX  told me that neither bank could report negatively until 45 days after because of the transfer. On XX/XX/2019, my account was established with XXXX XXXX  and I was finally able to make my XX/XX/2019 payment. 

However, AmeriHome reported a 30 day late for XX/XX/2019. If Im not mistaken, RSPA Section 6 states that there is a 60 day window for reporting adversely during a transfer. 

My wife became ill lost her job and we cant afford our current home. We are trying to sell our home and qualify for affordable housing. But we do not qualify with a 30 day late reported within the last 12 months.
Product: Credit reporting or other personal consumer reports

PER FCRA AS A FEDERAL PROTECTED CONSUMER I OPTING OUT OF ANY AND ALL AUTHORIZATIONS I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL AND NONVERBAL PER 15 USC 6802 WHICH IS EFFECTIVE IMMEDIATE AND INDEFINITELY
Product: Debt collection

I have informed Alpha Recovery Corp that this debt does not belong to me via letter and dispute. I continue to get calls and mail about this debt. I have asked them to verify the unknown debt and they have not. I am on social security and can pay I debt that is not mine.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX is allowing these credit card lenders to submit payment status over and over within a month time. I dispute it and it's denied. You can only submit 1 time a month when I fail to make payments. My score has dropped XXXX plus due to this and the companies are sending the reports not at once but multiple times on multiple days to each bureau