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

Subject : Immediate Removal of Inaccurate Accounts in Litigation Violation of FCRA & Re-Insertion of Debt To Whom It May Concern, I am writing to formally request the removal of two accounts currently being inaccurately reported on my credit profile. These accounts are as follows : XXXX XXXX XXXX XXXX XXXX - {$83000.00} XXXX XXXX XXXX XXXX - {$28000.00} These accounts are in litigation, and it is my understanding that reporting these alleged debts while in litigation is a direct violation of the Fair Credit Reporting Act ( FCRA ), as it constitutes the reporting of inaccurate information. Additionally, this re-insertion of a debt without proper validation violates the FCRAs re-insertion provisions. 

It is also important to note that these accounts are being reported as income, which constitutes a violation of the FCRA, as no proper tax documentation such as a 1099-C form has been issued. This is especially concerning as it turns alleged debts into taxable events, creating significant harm to my credit profile. 

Moreover, these accounts represent a violation of children 's rights by associating them with an alleged debt. This creates undue harm and unfairly affects my ability to maintain a clean credit record. 

As per the Fair Debt Collection Practices Act ( 15 USC 1692 ), any inaccurate or misleading information reported by a creditor is a violation, entitling me to seek damages for civil liability. I am also informing you that I will report this to both the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) if these accounts are not promptly removed from my credit report. 

In light of the ongoing litigation and the violations mentioned above, I demand that these two negative accounts be removed from my credit file immediately. Failure to do so will result in my taking further legal action. 

I appreciate your prompt attention to this matter and request confirmation of the removal in writing.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I noticed on my XXXX and Equifax report that there were inquiries on it that were not mine and I filed a report with the Federal Trade Commission. I would like to have the items deleted from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 an account without my written instruction.
Product: Checking or savings account

My issue both on the personal and business accounts with Huntington Bank XXXX XXXX, OH that they for mths have been with drawling " fees '' from my accounts with no supporting documentation and in excess of the original agreed to amounts. I have been told for mths they would get me answers only to hear excuse after excuse. They to date have shown nothing in writing both prior, after or upon my multiple requests for why this is happening. I have communicated both with my local " mgr '' and their headquarters in XXXX. I am not sure where to go from here, but these fees are in excess of several hundred at this point and while I will be looking to move my accts to another bank, this is simply wrong to not be able to document the charges ... again prior to or after ... but especially after being asked. Month after month of written requests to Huntington. I am hopeful that a complaint filed may get their attention or care.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several debt validation letters regarding the account with Chase Card and received no response back over 60 to 90 days.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I tried to cash app my niece money for her to go grocery shopping. Cahapp said my account was closed because off some illegal activity. When I asked them over and over again tell what happened I can show you who I cash app. They just get angry with me and send me rude email and say I can never use cash app again. I asked them if the account was hacked once again the get angry and send me the same email mail. I told them I have a right to know what was done to my account. So I can protect my self. They really got angry. I believe this fraud is a inside job, and my old bank account XXXX  XXXX XXXX whom I am still battling with my be connected. I feel my civil rights has been voileted, I know that cash app has been in a class action law suit recently. Thank you so kindly
Product: Credit reporting or other personal consumer reports

These late payments are not aligned with how I normally handle my payments, which have been on time.
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 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$8900.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX  account # XXXX  has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. In XXXX of XXXX, a XXXX XXXX collection account was opened under my name without my knowledge or consent and was used and left a {$4600.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.
Product: Credit card or prepaid card

I have this credit card that I already pay annual fees on. I took a balance transfer for a 0 % APR for up to 12 months and paid a balance transfer fee of {$720.00}. I do not have to pay the balance until XX/XX/XXXX. Meanwhile, I had a minimum payment of XXXX every month but because I envisaged using the card for other purchases, I decided to increase my payment monthly above the minimum payment. There were few purchases made that I paid off during the statement billing period. In XXXX I wanted to make a significant purchase from XXXX- the Merchant branded for this credit card, so I had to use this credit card, and when I had to travel abroad on an extended period, I made a large payment on the card to have enough to use with the card as well. Unknown to me, this company has been charging me interest on every purchase without granting any grace period, and even when I made the payment of the amount prior to making the purchase. I wrote to them complaining about the issue and demanding a full refund of all interest charges or fees for purchases made but they refused to correct it. All I was to pay was minimum payment on the balance because I already paid a balance transfer fee to earn a 0 % APR, but these greedy, inconsiderate, and corrupt company called Chase Bank decided to continue charging me interest on every purchase made, no grace period even when I made payments over the amount used. This is cruel and completely unacceptable. I am escalating this dispute and I need every interest charged waived and returned immediately with reference to {$18.00} interest or fee charged on the XX/XX/XXXX, statement, and {$43.00} interest or fee charged on XX/XX/XXXX statement. The full balance is on a 0 % APR from a balance transfer where I paid over {$700.00} balance transfer fee. Enough of this exploitation and extortion from this financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting XXXXXXXX XXXX account number XXXX has violated my rights 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681, section 60 for a section 2 : it also states, a consumer reporting agency can not furnish an account without my written instructions.

4 U.S.C 1666B : a creditor may not treat a payment on a credit account under an open and consumer credit plan as for any purpose.
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 consumers rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX AND : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX. XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX : # 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 602 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 may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the reports by more than seven years.

15 U.S.C 1681-2 ( 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: Credit reporting, credit repair services, or other personal consumer reports

It has been over 60 days since i submitted a dispute the with no response. I submitted a letter on XX/XX/2021. I do not know if im being ignored or what. I feel as though i am being taken advantage of. I demand these accounts be removed immediately. I refuse to wait another 45 days for a response.
Product: Credit reporting or other personal consumer reports

I've disputed this a few times. There is someone with very similar name and this in information is wrong and incorrect they have wrong addresses and all
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have been trying to get this account to update on my credit since XXXX 2017, this account is keeping my score from updating, and I am trying to purchase a home for my family of XXXX. i paid this joint account XXXX XXXX, 2017 in the amount of {$850.00} as a settled amount to close the account with the company. the full balance on the account was {$1800.00}. They updated the account by subtracting the amount but not closing the account and marking it as settled and closed. All three of the major crediting reporting agency are giving me the same problem, Transunion, XXXX, and XXXX. Transunion updated it on my wife credit report. All I want to do is repair my credit and buy a home for my family. I have attached a letter that the branch manager gave me as well as my receipt for the transaction.
Product: Debt collection

On XX/XX/XXXX, I noticed there was a charge on my debit card for {$100.00} for " XXXX XXXX '' At the same time, my debit card stopped working even though I had money in my account. I called my bank to try to figure out what was going on, and they transferred me to their levy department. From there I was told I have a levy on my bank account from the XXXX XXXX XXXX XXXXXXXX, who was working with a collections agency called United Collections Bureau ( UCB. ) I called UCB, and they stated I owe the Indiana IRS {$1000.00} for individual income tax from XXXX. Because I had not filed Indiana taxes in XXXX, they estimated what I would have owed and until I pay them that amount, they are in control of my bank account. ( I have no idea how they even got the estimate, as I have never in my life owed for my taxes. I always have received a refund. ) I had not received any communication that I owed a debt, neither through email, phone, or mail at any point in time prior to the levy on my bank account. 

I was not living in Indiana in XXXX, I was living in XXXX, GA. I did not work AT ALL in Indiana at any point in XXXX. I filed taxes in GA. I told UCB this, and they said if I could send them a copy of my wages, they would review it. They gave me 45 days to get this information. The only way to obtain wages over 10 years ago is to contact the Social Security office, which I did. I spoke to someone who confirmed verbally that I only made wages in the state of Georgia amounting to {$34000.00} and my employer was XXXX. I asked if I could get a transcript of that to send to UCB, and she stated it would cost {$150.00} and would take over 4 months to get to me. I relayed this information to the Indiana IRS and they did not care. I asked them to call the Social Security office themselves, and they said they couldn't. I have asked on many occasions for documentation/proof of what I " owe '' and all the UCB will send me is a generic letter with the amount I " owe '' with no details of why I owe it. ( See Attached ) I have been in extreme emotional distress trying to deal with this, have missed countless hours of work on the phone with different companies trying to straighten this out, and have lost sleep worrying about this. It's cruel to try to steal money from citizens like this, it doesn't feel legal.
Product: Mortgage

I recently applied for a HELOC ( home equity line of credit ) with Bank of America ( " BOFA '' ) and they quoted me a {$100000.00} HELOC at variable rate. Before asking me to run my credit, they told me their desktop appraisal provided a value for my property sufficient to cover a {$100000.00} HELOC. I agreed to have them run my credit based upon the interest rate they quoted me and based upon the property value they quoted me. Had the interest rate they promised and the property value they quoted me been less than as represented by BOFA, I wuld never have allowed them to run my credit. BOFA informed me that my application had been approved and also opened up a web portal for me to submit paystubs and w-2s. After I spent significant time and energy, they informed me that they had re-reviewed my application and that suddenly I did not qualify for the HELOC as represented and that they suddenly needed more information to review the property value on my home. After a couple of days, they contacted me and told me that I did not qualify for my HELOC suddenly and a few days later, I received a letter informing me that I had been denied credit. BOFA is engaging in a bait and switch process that has now hurt my credit because the credit inquiry remains on my credit reports. This is fraudulent conduct and I am demanding that BOFA remove the credit inquiry they conducted based upon false pretenses. Had they not told me that my property qualified for a HELOC ( based upon value ), I would never have allowed BOFA to run my credit. BOFA 's credit inquiry should be removed from my credit report.
Product: Debt collection

Got a call from a debt collector direct recovery services was told I owe XXXX bucks and the will settle for XXXX. Said debt was taken out from XXXX XXXX. Called XXXX XXXX and they have no record of it.
Product: Debt collection

on XX/XX/2018 i received notification from XXXX   and XXXX that there is a collection on my credit, when i checked i noticed a collection charge from XXXX XXXX. This company has placed a charge of {$60.00} that XXXX XXXX has purchased looks like from XXXX XXXX.And has caused my score to dip due to this false statement by XXXX XXXX, i have no contracts what so ever with XXXX XXXX i called XXXX and they can't even see that i am a customer because i have no accounts with XXXX. This is fraud by XXXX XXXXg as i checked the internet many have reported scams originating in this manner from XXXX XXXX. They conveniently have placed a fraudulent charge and refuse to validate the debt because i don't have any contracts with XXXX. I expect XXXX to have XXXX XXXX remove this fraudulent charge ASAP wihtout delay i am hereby giving them 30 days if not removed law suit against XXXX XXXX and XXXX XXXX will be initiated.
Product: Credit reporting or other personal consumer reports

C/O XXXX XXXX XXXX XXXX, XXXX FL XXXX ( XXXX ) XXXX consumer report on the date of that inaccurate negative account. This has not only damaged my right to extend credit but it has made me loose hope and trust within the banking system. I have been denied for credit cards and home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that your company ASSUMED this VITAL role pursuant too 15 USC 1681 ( a ) ( 3 ). Also, your company failed to be fair and respect my right to privacy according too 15 USC 1681 ( a ) ( 4 ). 
I am requesting valid proof and documentation that these negative items where investigated fairly and properly. Also please provide me with the system and details your company uses to determine if transactions took place or not. Your company is in violation of several federal laws including the responsibility you have to protect my privacy. 
Wanted to say keep sending good vibes bro ano 1 am giving Your company the opportunity to make this matter right by heightsestatescare.org way of the following : Respect by XXXX XXXX REMOVE ACCOUNTS LATE PAYMENTS Help me REMOVE INQUIRIES They also said it was accurate it wasnt cause I paid the balance and it still affected my credit.
Product: Money transfers

Ally Bank did not follow their published commitment of processing a domestic wire transfer request received by XXXX XXXX that same business day. Instead it took 3 business days and multiple phone calls to Ally Bank in order to process the request. 
To compound the issue, Ally Bank never proactively contacted me that there was an issue, it was only through repeated calling that I found out things were blocked waiting on some new verification action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

THE ORGANIZATIONS LISTED IN MY ATTACHMENT BELOW DID NOT RECEIVE WRITTEN PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT FROM ME. REPORTING LATE PAYMENTS, CHARGE OFFS, AND ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND WHICH IS FRAUD ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). THESE ORGANIZATIONS HAD NO PERMISSIBLE PURPOSE TO PULL NOR FURNISH MY CREDIT REPORT. I DID NOT GIVE MY WRITTEN CONSENT WHICH IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX XXXX
Product: Credit card

Equifax Consumer XXXX placed a charge on my credit card for {$17.00}. I called them to determine why the charge was made. I spoke to XXXX folks, in XXXX and the US to try to determine why the charge was made. I was on the phone for over two hours and transferred around the globe. In the end, they suggested, I write a letter and provide copies of my credit card billing, which contains other personal information. They were not able to help me via a phone call.
Product: Credit reporting or other personal consumer reports

I received, an alert via Experian and XXXX alerting me that a collections account had been opened on my credit report. I requested the debt collector validate the debt and provide me with all information on file. Nothing has been furnished to validate this debt. I reported it with the credit reporting agencies, and it has yet to be removed. I have included this in my Identity Theft Affidavit formally filed with the FTC, approximately 30-45 days ago. This fraudulent account has yet to be removed and still continues to bring suffering to my life.