23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear XXXX  Sir/Madam ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor.

The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX, & XXXX I sent written letters to the CRAs & these companies for the attached accounts. I also submitted a CFPB complain for XXXX XXXX XXXX XXXX. They verified this inaccurate account as accurate. They have had ample time to update their records. I am showing a MAJOR violation in their investigation processes, not only are there inconsistencies within their reporting, but they are not showing that these accounts have even been disputed. This does not display accurate reporting that I am entitled to. These accounts have been marked as verified, but do not display that an investigation was even initiated. These inaccurate accounts should be removed immediately for a major violation of the FCRA. They have each had at least 5 times AND ample time to update their information records and have chosen not to.
Product: Debt collection

I opened my XXXX app and saw my credit score go down XXXX points because some unknown company that I never contracted with reported a false late payment of which I have no knowledge of. I never contracted with MRS BPO LLC service nor do they have any paperwork to prove any signatures that I have a contract with them. But yet they illegally report a late payment to my credit report as of XXXX this year. First time ever seeing this appear and they somehow gained unauthorized access to my personal information. So this is fraud.
Product: Credit reporting or other personal consumer reports

I recently retrieved a copy of my credit report after being denied credit and was amazed to see that I am a victim of identity theft of numerous unauthorized accounts please remove these accounts immediately. I have also included pdf file of reported identity theft. 

aargon agency ( account # XXXX XX/XX/year>XXXX XXXX XXXX XXXX account # XXXX date XX/XX/year>
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end. I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ). 

According to 15 USC 1602 ( p ). The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit.

I hereby request you to do the below-mentioned things ; DELETE THESE THINGS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX CAPITAL ONE AND ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME If you accept my request, l will not escalate this matter to Federal Court. In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely XXXX ; XXXX XXXX All Rights Reserved Without Prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6600.00} -This is not my account.
Product: Payday loan, title loan, personal loan, or advance loan

In the last three months from XXXX to XX/XX/year>2023 any person with my email address and account number can access my account and get all account information including my bank information and rest my password directly from login site with any verification that it is me resting password or access my account login
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past XXXX years I have been trying to resolve the matter of XXXX accounts that Experian has been illegally reporting on my credit report. The initial date was XX/XX/XXXX with other dates as followed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The accounts that they have been illegally reporting are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts are charge-off accounts which according to the IRS are considered income and income isn't supposed to be reported on a consumer credit report. For the past XXXX  years they have violated my consumer rights by XXXX defamation of my character, XXXX. Have caused me to experience a high interest rate when I obtained my mortgage causing me XXXX XXXX XXXX. XXXX. They have also caused me to suffer from XXXX XXXX  due to the repeated attempts in trying to rectify this matter.
Product: Money transfer, virtual currency, or money service

On XXXX, I sent {$50.00} to each of my grandsons for their birthday from my Cash App account ( $ XXXX {$81.00} ). The funds were sent as two separate transactions to each of their Cash App accounts ( $ XXXX $ ) ( $ XXXX $ ). 

Neither grandson has received the funds, although my bank ( XXXX XXXX XXXX ) shows that each transaction for a total of {$100.00} was transferred from my checking account. The funds were sent to the Cash App account of each grandson and it appears that the funds were received by the grandsons but they did not get the money. They have been unable to receive the funds. 

I have spoken to Cash App customer service multiple times as well as attempted to file a dispute with my bank. However, neither has been able to explain what happened to the funds. My bank will not give me back my money. 

I believe that my Cash App account has been hacked by scammers and Cash App refuses to acknowledge the fraud.
Product: Credit reporting

When my credit was pulled on XXXX/XXXX/2016 it showed several accounts, ID information, address and employment information that does not belong to me. When I send the dispute letter I attached my ID, ITIN Letter, and utility bill as proof of identification. I received a letter on XXXX/XXXX/2016 from TransUnion requesting more documentation. I mailed the required documents back on XXXX/XXXX/2016 via certified mail and have not received anything since than. I 'm requesting the accounts and other items to be deleted from my credit report because they do not belong to me. Please see all attached documents. 
Thank you
Product: Credit reporting or other personal consumer reports

I had issues with a credit report that was different from the reports I have access to. 

Credit reports are being withheld and the numbers used aren't being shares with consumers who need to know exactly where they stand before applying for credit and further damaging their sensitive information. 

My credit score with TransUnion had never been under XXXX for the last 24 months and when I applied for a rehab loan it was reported I had a XXXX. 

I was told by the company there's 20 different reports, I was sent a credit report directly from TransUnion and the report was even higher at XXXX. Then once I requested information and later applied for credit the score dropped XXXX points to XXXX. 

Then I later was refinancing the same home that I was trying to get a rehab loan on and was told TransUnion had my score at XXXX. In these months credit score has been all over the place and when logging on to XXXX XXXX I discovered several erroneous findings showing {$90000.00} debt and collections which I don't even have. 

Somehow its seems retaliatory or vindictive to have my scores assaulted and manipulated to further my business and financial demise since lending and credit is a huge part of advancement and it's unfair and unjust.
Product: Payday loan, title loan, or personal loan

I had a family emergency a couple months ago and I needed to get some money pretty fast. I applied for a loan but couldnt receive XXXX as I didnt have a co-signer. The company never gave me any money but still charged me for a loan I never received. I was able to find a company near me when I applied for it. But now I cant find XXXX at all, and XXXX cant get ahold of the company regarding this issue. Ive called multiple times, emailed, tried to contact XXXX to see what my options are and I still have not found a solution. I dont and will not pay for a loan I never received. Its wrong and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting the account attached incorrectly. The open date on Equifax and XXXX is XX/XX/2015 and on XXXX  its XX/XX/2015. The past due amount on XXXX  and XXXX  is XXXX and on Equifax its XXXX. On XXXX  and XXXX  it shows 120 days past due and on Equifax it shows 90 days past due. If all of this information is produced from the same place and sent to all three bureaus why is it incorrect? I would like this account deleted from all three bureaus since nothing matches up.
Product: Checking or savings account

In XXXX of 2021, I received two notifications from BB & T that I no longer wanted overdraft protection for two different accounts which I never opened.

I immediately contacted them and was told an identity theft report would be filed.

Than I received another notice stating that the pin request mailed had been returned. I again contacted them and was told that the accounts were closed due to possibly being fraudulent.

I requested a call back from a bank supervisor and was told I would be contacted by the fraud department. I am still waiting to be contacted by someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought two vehicles with two trade ins. This was at XXXX XXXX in XXXX XXXX. I bought a vehicle in my name on XX/XX/2020, and a vehicle in my fiancs and my name on XX/XX/XXXX. Any how I have been having many issues. Starting off with when i bought the second car my fiance told them i was gon na co sign and ended up pulling my credit without my permission. At the end of the day it was okay as i didnt mind co-signing. Then we went up there and bought a new car on the XXXX turns out the bank didnt approve the loan so we had to sign another contract the next day and im thinking this is okay, but they pulled our credit again for that. So we leave thinking everything is done its now XX/XX/2020. 

Well last Thursday they told me I had till XXXX to send them Insurance information or they will take back my truck that i bought on XX/XX/XXXX. So i give them the information and im like okay everything is done. Fast forward to this week Wednesday XX/XX/2020, they decided to pull my credit again without my permission because the loan they had for my truck did not go through. I called him yesterday as well saying why didnt they not call me to discuss any arrangements and that it is illegal to pull my credit without my consent and he said it isnt. I told him i dont want him to pull my credit and I froze my XXXX  reports. Well today he decided to pull my credit again and I actually didnt know about this until after getting information to send this to you guys.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX me and my ex husband XXXX XXXX owned properties in XXXX CA. He indicated to me that we where losing them in foreclosure. He unfortunely went behind my back and filed for bankruptcy to save the homes and continue collecting rent. I was never made aware of this. He filed joint bankruptcy paperwork without my knowledge. My next step is to file a police report with the XXXX  police dept. I am unsure if he filed taxes in those years also.
Product: Checking or savings account

On the XXXX I was charged XXXX by XXXX XXXX. I did make a purchase at XXXX XXXX before the XXXX for a total of less than XXXX $ and believe my card information had been taken from XXXX XXXX  to be used for an unauthorized transaction on the XXXX. I called XXXX XXXX  to let them know of the unauthorized transaction and was told to call my bank. I got credit for the purchase but on the XXXX XXXX my bank PNC denied my fraud request and debited the XXXX to my account with no recovery of my lost money.
Product: Credit reporting

The bankruptcy reporting has several inaccuracies. Reference Number XXXX. I do not know the source of their information on this bankruptcy and because of the Experian has violated the Fair Credit reporting Act. I am requesting the removal of the bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2024 they repeatedly calling me & family members after being informed to only contact via written letters
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, On XXXX XXXX I mailed debt verification letters via USPS certified mail to TransUnion, XXXX and XXXX disputing reappearing deleted inaccurate collection accounts previously deleted from my credit profile.I requested that reporting agencies send proof of debt which included contracts and other compiling evidence to conduct a proper reinvestigation.Moving along, Im a XXXX veteran already dealing with day to day challenges and the reappearance of these accounts has created great burden for me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MI, XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Inquired on XX/XX/2021, 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

Called Capital One in XXXX of 2019, to discuss my payment. I was informed by a representative to pay a certain amount amount. When I paid that amount. Its was not enough when informed by another representative. I was then reported 30 days late to the credit bureau. Capital One was very rude to me when I called them directly. They stated that they had listened to the recorded call but the representative contradicted herself when led me to believe that no one had listened to the call. Im currently unemployed and before XXXX, I contacted Capital One to discuss options for my payment. They had no good options for their customers other than waiving a monthly late fee.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX, NC XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX  -Acct # XXXXXXXX XXXX XXXXAcct XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX ) has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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. 
15 U.S.C 16668 : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Debt collection

Hunter Warfield has reported negative item on my credit which is unverifiable and false. I have sent over 5 letters to the credit bureaus demanding to see verifiable proof of the original Consumer Contract with my signature on it. Under the FCRA 609 section ( a ) ( 1 ) ( A ) unverified accounts must be removed if you are unable to provide a copy of verifiable proof the item must be removed. I never received any verifiable proof of the debt. It was opened on XX/XX/2016 from Hunter Warfield. XXXX   removed the negative item however XXXX and XXXX are still reporting this item, thus tarnishing my credit and barring me from home ownership. Please help attached is the letter of deletion from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent the ft violaton and police report with all affvidavit please remove the ftc violation bk lates on credit reports caused by the ftc violation XXXX XXXX XXXX capital one XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to file a formal complaint against LVNV Funding LLC regarding an alleged debt associated with Account # XXXX. I dispute this debt for the following reasons : 1. No Contract or Agreement Exists : - I do not have a direct contractual agreement with LVNV Funding LLC.

- LVNV Funding LLC has not provided any documentation or evidence demonstrating that I owe this debt or that they are authorized to collect on it.

2. Failure to Provide Required Documentation : - Despite my request for validation, LVNV Funding LLC has failed to provide the original agreement or contract containing my wet signature.

- They have also failed to provide any form of identification verification proving that I am the individual responsible for this alleged debt.

3. Potential Violations of the FDCPA : - By continuing to attempt to collect this debt without proper validation, LVNV Funding LLC may be in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

4. Impact on My Credit Report : - This disputed debt has been reported to credit bureaus and is negatively impacting my credit score.

- Without validation, this reporting is unjustified and constitutes inaccurate reporting under the **Fair Credit Reporting Act ( FCRA ) **.

Resolution Requested : I am requesting the following actions : 1. That LVNV Funding LLC immediately ceases all collection efforts on this alleged debt.

2. That LVNV Funding LLC provides all legally required documentation, including : - A copy of the original contract or agreement containing my wet signature.

- Verification of the debt and their legal authority to collect.

3. That this account be removed from all credit reports if the debt can not be validated or is found to be inaccurate. 

I have attached a copy of my previous correspondence requesting validation of the debt.
Product: Credit card

There are 2 inquiries for this place on my credit report XXXX was XXXX and the or XXXX was XXXX I called to try get these removed and have disputed them and they won't remove the inquiry inside not apply for these cards.