23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

First & Foremost I Would Like To Thank You In Advance For All You Guys Do To Help Consumers. I Will Be Your Biggest Advocate & Champion To Keep You Guys Strong & Going Have Even more Power To Flex At The Corporations Etc That Need To Be Checked From Time To Time & Always Have The Power To Protect The Consumer To The Highest Degree. I Look Forward To My Issue Being Resolved & Quickly. Sincerely XXXX XXXX XXXX May You All At The CFPB Be Blessed & XXXX From XXXX. 

In Accordance With The Fair Credit Reporting Act. The List Of Accounts Furnished Is In Violation Of Privacy & Confidentiality Under 15 USC 1681 Account Names : XXXX XXXX XXXX XXXX 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 XXXXXXXX, XXXX Originals # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. States I Have The Write 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 16811c. ( a ) ( 5 ) Section States : no consumer Reporting agency may make any consumer report containing any consumer report containing any of the following items of 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 1681-2 ( A ) ( 1 ) A person shall not furnish any Information relating to consumer to any consumer Reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX Case # XXXX Records
Product: Debt collection

On or before XXXX I spoke to the rental office a multitude of times without confirmation of what they wanted to do with my unit in regards the new tenants moving on to the property. I sent an email message to XXXX XXXX the regional director about not receiving my new lease. I was told by the rental office that, they would get back to me regarding my new lease. Though I followed up with them they never gave me a confirmation on signing the new lease. I finally got in touch with the Regional Manager who in turn followed up with me the day of or before the actual confirmation I had to move out. They knocked on my door and said I had to move in XXXX weeks. I explained if I had to move out on such short notice then I would have to use the rent money for a another apartment. I spoke to XXXX XXXX XXXX at great length about the situation. Upon, reaching an agreement that I would move out immediately that I could use the rent money to move into another place, so as long I was off their premises by the XXXX. I have the emails to back the fact up that it was understood that I would move first and foremost. Especially, because it was short notice and they didn't give me confirmation until they knew how many new residents they were getting. Which the amount of residents did affect their decision. They also had me under XXXX leases for the unit in my name which fluctuated more than XXXX every month some times XXXX. I left with them understanding that my priority was to have a place to live and there's was getting their keys back which I gave them. I definitely feel they manipulated the situation by not being straight forward and also very indifferent and nonchalant on confirming I had to move. The takeaway the short notice made a hardship for my livelihood after living their XXXX years I wasn't treated very nice nor my neighbors we all have similar stories of being overcharged under surved with an indifferent staff.
Product: Checking or savings account

I was a customer at wells fargo.For decades. I was having dinner with my daughter for her birthday ( XX/XX/year>? ) when I got a phone call and the name identification came up as Wells Fargo. I answered the call and the gentleman said I was having fraudulent activity in my account. When I logged into my account, there was some charges I did not make. So I then proceeded to give them info & eventually access to my zelle after about an hour and a half being on the phone. The gentleman said he was going to call me back, & that were shutting off my card. This went off and on talking to these guys for about two days. There was a bunch of fraud charges on my account. Wells fargo never alerted me to any of the strange activity in my account. Essentially, they ended up getting {$1000.00} from my checking account through XXXX by impersonating a bank employee. The difficult part was their name came up on caller ID and they had gotten into my account somehow with XXXX XXXX ( I use Android phone ) and charged fraudulent charges, so it seemed very real & legit when they called me. When I went to Wells Fargo branch, I was brushed off to the side by the teller because his wife was bringing him lunch. Once he saw how upset and serious I was, he finally sat down and talked with me and made a few phone calls to the fraud dept. They took down some of my information, and eventually what happened was they denied the {$1000.00} fraud charge. I am a XXXX  mom with XXXX kids, after this, I quit Wells Fargo bank and I moved over to a local credit union. I will never bank with wells fargo again. They treated me so bad when I had been such a loyal customer for over XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing my credit file with XXXX, Experian and XXXX to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. XXXX  comments in the creditor remarks that Consumer Disputes after resolution when in fact the account is still inaccurate ... .The 3 credit bureaus reports inaccurate accounts that has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts, {$0.00} Balance closed accounts reporting a delinquent payment status, {$0.00} Balance closed accounts reporting an open account status, missing fields of closed dates, High Balance lower than Balance Owed, collection accounts that reports an open account status and past due amounts. This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover the open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide, XXXX reports {$0.00} HighBalance on all my revolving accounts. XXXX Last payment does not coincide with XXXX payment data history, XXXX does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the immediate removal of fraudulent items from my credit report. These fraudulent entries are negatively impacting my credit score and financial standing. 

I have discovered the following fraudulent items on my credit report : I did not authorize or engage in any of the activities listed above. These fraudulent items are causing significant distress and damage to my financial reputation. 

I request the following actions be taken : Immediate Removal of Fraudulent Items : Conduct an urgent investigation into the fraudulent items listed on my credit report and remove them promptly.

Enhanced Security Measures : Implement additional security measures to prevent further unauthorized access to my credit information and protect against future instances of fraud.

Communication Enhancement : Improve communication channels to keep me informed about the progress of the investigation and the steps being taken to address the fraudulent items. 

Please acknowledge receipt of this letter and provide an update on the steps being taken to address these fraudulent items. 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 XXXX XXXX XXXX XXXX XXXX XXXX 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

I never received any information regarding there was an amount due on the account. I was then notified by email and text that I had a 30 day past due account showing on my credit report. Upon checking, I realized it was my Target account with a balance of XXXX. I immediately contacted them and paid the amount. I also explained that I had never received any correspondence regarding this. I pleaded with them to please have the 30 day late removed since this account had never been late. This one 30 day late payment dropped my credit score a whopping 50 + points. I just feel that one oversight on a consumer 's behalf should not result in them being so harshly penalized. Not to mention, that if I had been sent some type of notification, I would have addressed this immediately. It was a mere XXXX XXXX which I definitely could and would have paid prior to it being reported to the credit bureaus as a 30 day late payment.
Product: Checking or savings account

XX/XX/2022 I had two ( 2 ) accounts with Betterment and closed both accounts. In one case the funds were easily transferred to an existing linked account. In the other case the bank refused to transfer my funds to the existing linked account but rather forced me to provide a scanned colored photocopy of my government issued ID as well as a bank statement of a bank NOT linked to my account. I expressed concern submitting such a document and photograph especially regarding an account that was NOT associated or linked to this account. The bank refused to release my funds unless I did so. 

Being forced to produce a government issued ID and a bank statement of an external bank unrelated to Betterment seemed both unfair and high suspicious. Such documents raise concerns for Homeland Security as well. 

Since the bank was able to release funds quickly and easily when I closed one account it did not make sense, they refused to do so on the other account without me providing sensitive information. I now have concerns that my ID and bank statement may have compromised my security and I am suspicious why it was needed. 

I requested for Betterment Bank to release my funds as they did with my other account only a day or 2 earlier but they refused.
Product: Credit reporting or other personal consumer reports

Dear Caine and weiner I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Debt collection

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you cease and desist from any further communication with me regarding the above-referenced account, as well as any communication with my employer or any other third parties regarding this debt without my authorization. I have been capturing screenshots for all of the calls over the past several weeks and will include them in any potential lawsuit. 

Please confirm in writing that you have received this notice and that you will cease all communications with me, my employer, and any other third parties. 

If you fail to comply with this request, I will take appropriate legal action to enforce my rights under the FDCPA, including filing a complaint with the Federal Trade Commission and the North Carolina Attorney General 's office.
Product: Debt collection

I have 7 Chargeoff accounts on my credit report ( Express, XXXX, XXXX XXXX XXXX, XXXX, Forever 21 and Victoria 's Secret ). I have made several attempts to dispute these charges because when i called the collection agency ( XXXX XXXX ) they very first told me i was no longer obliagted to pay and try to settle the debt and sent me formal letters of deletion in the mail. However, i can not find these letters. That was XX/XX/XXXX. Just recently on XX/XX/XXXX i attempted to call Commenity bank because this is the address that shows up on my credit report as lender info however the representative told me there was no record of collection agency that it was sold to and that it normally sells to XXXX credit so i called there. The representative at XXXX XXXX XXXX, when i gave her my social said that there is no information on file coming up by my social and that i would need to contact the legal department there on Monday morning. i should not have to carry around debt that i am not able to settle because my accounts can not be found anywhere.
Product: Credit reporting, credit repair services, 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 confidentially under 15 U.S.C 1681 ( XXXX ) XXXX XXXX XXXX. XXXX ( XXXX ) CXXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. states I have a right to privacy 15 U.S.C. section 604 A it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c Section ( a ) ( 5 ) states no consumer reporting agency may make any consumer reports containing any of the following items of information.Any other adverse items of information other than records of convictions of crimes which antedates the report by more than 7 years 15 U.S.C.1681 section 2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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

18 USC 247 ( a ) ( 2 ) Antisemitism, character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX and XXXX XXXX XXXXXXXX XX/XX/XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

I have not been supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715,719, I presume that no proof for inaccurate, incomplete, fraudulent information or information can not be verified, in fact therefore exists. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX Ive sent disputes regarding to those account I found on my credit report unknown and inaccurate. Im a victim of XXXX XXXX XXXX. I is almost 1 month since Ive sent disputes but there's no response yet. I demand to DELETE ASAP those account from my credit report or I will file a litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove the fraudulent inquiries from my consumer report
Product: Debt collection

Hi I'm XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Recently we decide to switched our factoring company to another and find some issues regarding of debt. It was the process to transfer your documentations, reports from one financial institution to another. And our potential factor company fined the XXXX debt of {$17.00} and nobody didn't know about that ether us, ether our current factoring.. So after my attempted to connect with them, they send me the contract which I attached to you below, this contract on my name, on my company but I have not idea what is that from and where they appear. So in result we can't move to new factoring company with those XXXX debt and already sign the termination letter with our current factoring ( which have not idea what is the debt from ).. 
The new factoring advise me to find the company who basically can help with disputing or relief programs. 
Please advise what I can do and what I should provide else to start that process. 

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

On XX/XX/XXXX, I, XXXX XXXX XXXX XXXX created an account with XXXX to check my credit report. At a glance everything looked okay until i got to the " collection '' part of the report and saw that there were XXXX collections accounts in my credit report. I immediately called the collections companies to find out what the accounts were about. It is then i realized that someone had stolen my identity and used it. I told the collections company that i might be a victim of identity theft as i have never received any form of service from these companies. The refused to listen to me and asked me to pay even though i never received any form of service. It is not my fault that i have been a victim of identity theft and I should not be held liable for anything done with my identity without my permission. I also noticed that there are fraudulent hard inquiries and an address on my report where I have never lived. I am filing this police report so I can report this crime. The fraudulent information appearing in my credit report is as follows : XXXX XXXX XXXX IN XXXX XXXX XXXX IN XXXX XXXX XXXX IN XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX All the following information appearing on my credit report is fraudulent and I have never authorized any of these.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report from Equifax and found an inaccurate bankruptcy listed and invalidated information reported. Per FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the ORIGINAL creditor, they must remove the said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which state that they do NOT validate or provide information to credit reporting agencies or validate or confirm public records from third party providers such as XXXX. Public Records cant be validated due to the FCRA Privacy Laws. If Equifax cant provide a court order to place this information on my credit report or my authorization of release bearing my signature to report this bankruptcy, they must delete it. Per FCRA, section 609 ( a ) ( 1 ) ( a ), you are required to verify through physical verification of the original signed consumer contract. How are you verifying this bankruptcy, if the Bankruptcy Court and 3rd party vendor XXXX doesnt verify Bankruptcies? I have attached a letter from XXXX that this bankruptcy is not reporting under my credit profile with them. This bankruptcy needs to be removed from my credit within 30 days for violations. If not, litigation will be pending and complaints to the MN Attorney Generals office, Federal Trade Commission and more complaints to the CFPB will be filed.
Product: Credit reporting or other personal consumer reports

Despite the compelling evidence I provided and the absolute lack of verification from the purported creditors, you have inexplicably chosen to ignore my pleas for assistance. 
The fraudulent accounts that I insist be addressed are as follows : XXXX XXXX XXXX XXXXXXXX Your apparent indifference to my repeated requests for resolution is nothing short of scandalous. 
Your egregious failure to uphold these obligations has caused severe harm to my financial well-being and emotional distress that I can no longer tolerate. I will not stand by idly while your organization continues to neglect its responsibilities.