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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Phone : XXXX Email address : XXXX Subject : Formal Complaint Regarding Collection Accounts on Credit Report Complaint Details : Account Information : Creditor Name : XXXX  Account Number : XXXX There are inaccuracies on the dates that the account was opened. 

Creditor Name : XXXX XXXX  Account Number : XXXX There are also inaccuracies on when the account was opened and the current status of the account Creditor Name : XXXX XXXX XXXX Account NumberXXXX Issue Description : I am filing this complaint to dispute the collection accounts listed on my credit report from the aforementioned creditor. These accounts are negatively impacting my credit score and financial well-being. I believe the creditor has violated the Fair Debt Collection Practices Act ( FDCPA ), specifically : 1. 15 U.S. Code 1692g - Validation of Debts : Under 15 U.S.C. 1692g, I have the right to request debt validation. I have not received proper validation of the debts from the creditor. The collection agency is required to provide verification of the debt, including the original creditors name and address, and a copy of any judgments. To date, I have not received any such validation.

2. 15 U.S. Code 1692c - Communication in Connection with Debt Collection : According to 15 U.S.C. 1692c, the collection agency is restricted from communicating with me at inconvenient times or places without my consent. The collection agency has contacted me at inappropriate times and/or places, which I believe is a direct violation of this provision.

Documentation : I have attached the following documentation to support my complaint : 1. Copies of my credit report showing the disputed collection accounts.

2. Any correspondence between myself and the collection agency regarding debt validation requests.

3. Records of communication attempts made by the collection agency, including dates and times.

Request for Resolution : I respectfully request the following actions to resolve this issue : 1. Immediate removal of the collection accounts from my credit report due to the failure to validate the debts as required by law.

2. Cease all communications from the collection agency regarding these accounts. 

Signature : XXXX XXXX XXXX
Product: Checking or savings account

I deposited a paper check for {$11000.00} into my Chase Checking account on XX/XX/year>. Chase back is currently holding the transaction and telling me that they are unable to reach the originating institution to verify the funds. After speaking with the university bursar that issued the check, they have validated that XXXX XXXX did verify the funds. So Chase is holding my money without giving me access to it and claiming as of nearly a week later that they can't do anything to get me the funds. 

The personal impact of the delay in accessing this money it monumental.
Product: Checking or savings account

Wells Fargo Associates Fraudulently opened an account in my name back in 2013. I did not know of the account and somehow it ended up with a negative balance and then closed. I learned about this while in bankruptcy so I included the balance in my now discharged bankruptcy. I tried to open an account with Wells Fargo, then opened the account and then closed it the same day because of what their previous associates did who nolonger work for the bank.
Product: Credit reporting or other personal consumer reports

I sent out letters to TransUnion back on XX/XX/2024 asking them to reinvestigate the completeness and accuracy of this account Bankruptcy XXXX XXXX XXXXXXXX that's listed but TransUnion keep on saying I sound as if Im a credit repair agency.They are making it hard for me to dispute this account, and they violated my rights according to 15 USC 1681 section B2,15 USC 1681 section Q,15 USC 1028 section A and 15 USC 1681 section C2.Can you all look and see what the problem is because this account is not showing on XXXX or XXXX.
Product: Debt collection

This company is illegally reporting on my credit that i owe on a debt that i do not owe. The property management company they are claiming i owe money are all currently in jail for Fraud and for illegally charging fees. My dad and i were one of those victims. My dad filed a complaint with the State Attorneys office about this Exact account. Magically the debt WE DO NOT OWE was removed from all his credit reports. It was also removed from 2 of mine. But they are still reporting on XXXX  credit bureau that i still owe this debt and i do NOT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a pre-approved offer from XXXX XXXX  visa on XX/XX/22. I applied for this and was approved on XX/XX/22 ( or so I thought ). I received my card on XX/XX/22 and activated it that same day. I set up my account on the website and attempting to set up my PIN # I was informed through the website that the account was closed and would/ could not be reopened. I was a little shocked at this. I contacted the bank who informed me ( rudely I might add ) that after reviewing my credit report the account was permanently closed. Thank goodness I didnt try to use it since that would have been very embarrassing. After conversations with a representative and a supervisor I was told that the account would not be placed on my report as that was my main concern. On XX/XX/22 I have once again received a PRE APPROVAL letter from Comenity Bank on behalf of XXXX XXXX for a Visa card. Once again I contacted the bank with no success. Today, XX/XX/22, I was notified that there was a new account on my report from XXXX XXXX XXXX. So again I contacted the bank who is refusing to remove this from my credit report. They did say they would be reporting the account as closed by lender which as you well know will be a derogatory blemish on my report. I do not think it is fair that my credit be dinged for an account that I never had access to. I am requesting that this account be removed from my file entirely. I made the suggestion to this bank to reword their offers. Pre approved is just that, not that I am invited to apply. They gave me an acceptance code??? Please help me so that my credit doesnt suffer from something I have NO CONTROL over.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the XXXX period allowed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested all security freezes and alerts be removed. I have sent in numerous requests for these to be removed to no avail.
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 : 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 four 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Checking or savings account

Capital One can not speak to anyone and am told to email XXXX. Told it can take 7-10 days without access to her funds.
Product: Debt collection

First National Collection Bureau, IncXXXX XXXX XXXX, Nevada XXXX-XXXXSettlement Offer 50 % in XXXX paymentsDirectTV settlement of {$320.00} in XXXX payments over 2 months starting on XXXX/XXXX/2015 ( 28 days ) for XXXX payments of {$160.00}
Product: Credit card or prepaid card

On XX/XX/XXXX I went into the Bank of America location on XXXX XXXX, XXXX, Florida. I wanted to know if the I could bring my bills and offset them with my SSN credit card, pursuant to 28 USC 3002 ( 3 ) ( A ) ( B ) and 18 USC 8. I was told that the bank was not setup to do that for a customer. I then applied for a XXXX XXXX  credit card and I was denied for that credit card. On XX/XX/XXXXXXXX, I received an email notification that stated, " In response to your application, Application Decision Reference Number XXXX We're sorry- we can't approve your request for our XXXX XXXXXXXX XXXX " We carefully reviewed your application, credit report ( s ) provided by credit reporting agencies and your relationship with us. Unfortunately, we weren't able to approve your request. We're sending you a letter with more detailed information and instructions on how to obtain a copy of your credit report. The letter also explains that the balance transfer requests included with your credit application won't be processed. '' My right to credit was denied. Bank of America is in my community as indicated by my zip code and has never loaned nor extended credit to me as a consumer. I am an XXXX XXXX and denied my right that was 28 USC 3002 allows for benefit of an individual XXXX. My initial request did not require a credit check because credit is my right. I also have an account with Bank of America. Additionally, I did not request a balance transfer with the credit application. Pursuant to the Equal Credit Opportunity Act, I was discriminated against for exercising my right under the federal credit laws. I have disputed errors in my credit reports.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$17000.00} Status Repossession. {$15000.00} written off. {$4000.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$10000.00} Status Account charged off. {$10000.00} written off. {$1100.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$10000.00} Status Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$680.00} XXXX XXXX account. {$68.00} I am enclosing a copy of a letter that I mailed to your company via certified mail requesting that you verify the alleged Therefore, in accordance with XXXX ( XXXX ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that you immediately delete this information from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX Inquiry : XXXX XXXX XXXX '' my ssn : XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquires on my credit report that I did not authorize on my Experian report. 
Inquiries : XXXX XXXX XX/XX/21 XXXX  XXXX  XX/XX/21 XXXX  XXXX  XX/XX/21 XXXX  XXXX XX/XX/21 XXXX  XXXX  XX/XX/21 XXXX  XXXX  XX/XX/21 XXXX  XXXX  XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21
Product: Credit card

I was charged XXXX on XX/XX/XXXX from Diners Club for an XXXX XXXX visit on XX/XX/XXXX. They should not have charged me as I have full insurance that paid this claim. I have tried to deal with them several times and sent them the proof that insurance paid, the explanation of benefits, and my insurance company tried to follow up with them as well. They refuse to suspend this amount as they say they dont do that. I dont understand as that is illegal when I have submitted proof that I should not have been charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have disputed this many times with no success. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX  XXXX These companies have violated my rights under the Fair Credit Reporting Act 15 USC 1681-6028 - My right to privacy 15 USC 1681- 6042- They have never gotten written permission from me to report these companies companies claims
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am sending a complaint regarding inaccurate accounts on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate accounts are negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps lowering my credit then increasing it and they lowering and they keep sending me credit card offers everyday I contact them and told them to stop emailing me about credit card offers and stop offering credit card offers on my credit report and they still refuse to do so. I over XXXX credit card offers from Experian. Whenever I dispute a debt collector to Experian they refuse to help me. Experian is the reason why my XXXX XXXX is awful. Experian needs to be investigated.
Product: Credit reporting or other personal consumer reports

I am disputing the negative items listed on my credit report as they do not belong to me. I have thoroughly reviewed my records and can confirm that these accounts are either incorrect or do not match my personal information. 
I request that these inaccurate entries be removed from my credit report as soon as possible. I have attached supporting documentation to verify my identity and demonstrate that these items are not associated with my credit history. 
Please investigate this matter promptly and update my credit report to reflect accurate information. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Balance : {$17000.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status : Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status : Inaccurate Account Name : XXXX XXXX Account Number : XXXX Reason : I previously disputed this account on XXXX regarding the missed and late payments. I disagree with your investigation results. Please provide proof of the negative payment history, or remove the incorrect information from my report. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I previously disputed this account on Equifax regarding the missed and late payments. I disagree with your investigation results. Please provide proof of the negative payment history, or remove the incorrect information from my report. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : I previously disputed this account on XXXX regarding the missed and late payments. I disagree with your investigation results. Please provide proof of the negative payment history, or remove the incorrect information from my report. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I previously disputed this account on Equifax regarding the missed and late payments. I disagree with your investigation results. Please provide proof of the negative payment history, or remove the incorrect information from my report. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> Equifax XXXX XX/XX/year> The items listed are not associated with my credit history and do not belong to me. I request that these accounts be fully investigated and removed from my report. Despite previously reaching out to both the credit reporting agency and the data furnisher, the issue has not been resolved. Attached are supporting documents and screenshots of my credit report to help verify my claim. Please investigate this matter promptly and update my credit report accordingly.
Product: Credit reporting or other personal consumer reports

This is my second 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 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9600.00} ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX  XXXX Balance : {$10000.00} ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am contact you due to a recent increase in fraudulent information on my credit report and I would like this information removed because it is fraudulent and doesn't belong to me. I will first start with the fraudulently credit inquiries that are not mine and do not belong on my credit report and I would like these inquiries removed at once XXXX XXXXXX/XX/2018 XXXX credit card Also these accounts I'm going to list are fraud and I want them completely removed of my credit report at once because they do not belong to me and are fraud XXXX XXXX Reported : XX/XX/2018 + {$0.00} Closed XXXX XXXX Reported :XX/XX/2018 + {$420.00} Closed XXXX Reported :  XX/XX/2018 + {$420.00} Closed Remove these accounts at once they are fraud and do not belong to me and I want them removed at once. 

Also my credit card balances are incorrect and I want these cards listed to be updated at once because your company is reporting false balances which is causing harm to my credit score. Please update balances for XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX   XXXXXXXX XXXX XXXX, XXXX XXXX Please update balances
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint again. Your company sent me a letter stating that I am not the person that filed the original complaint. I am the person filing this complaint. I am filing this complaint on behalf of myself and not any one else. 

In accordance with the Fair Credit Reporting act XXXX XXXX account number : # XXXX and # XXXX, has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX account numbers : # XXXX, # XXXX, and # XXXX, have 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, states a consumer reporting agency can not furnish an account without my written instructions.