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

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this COMPLAINT with CFPB as well as copies of the XXXX written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Identity Theft Fraud Accounts )
Product: Credit card

Paypal.com XXXX party ( XXXX ) host modified XXXX party ( XXXX ) web page to a closed end account.
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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I have a robinhood account ive been locked out and can not reach an agent to withdraw my funds. Ive followed their process with no resolve now they have stopped me from withdrawing my money out
Product: Credit card or prepaid card

I tried to make payment with company and everytime I do so, it gets rejected. I don't have any troubles with no other credit card but this one. I called them several times, and was told they made an error of not getting my account number right from my bank to make the payment to there credit card. I received a bad inquiry on my credit report and lost more then 50 points to my credit report and also had 3 other credit cards drop my credit limit due to there mistake and tell the credit bureaus that I was 30 days late. I try to make payment over the phone and they don't take a mastercard debit card. I also tried to give them my routing and number and checking number and they said there system is old. I have to go to a branch and make a payment, which is inconvenient to me because its a 30 min drive from where I live and work. I think this bank is a joke and needs to get better service. I have documention showing I tried to make payment and then shows being returned and then company charging me a return fee. On my document I submitted there is a lot of return payments. Payment reversal dates are XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18. As you can see its every month and I try every month to pay. Please look at documents I uploaded.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of XXXX XXXX and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions XXXX XXXX Affidavit. Please delete the items as soon as possible.
Product: Debt collection

On  XXXX   XXXX ,2017, I received a call from a company that did not disclose their name who said that I owed money to a credit card company. They said that if I did not contact them to resolve it, it would affect employment, assets and/or bank accounts. This matter has been resolved through the legitimate company and HSBC Bank and is no longer owed. They told me when I called them that they will see me in court and said I better have proof of my payment. I am worried that they will continue to harass me for this bill. This is the second fraudulent company trying to collect on this bill. I think they are just passing my information around to different people and that worries me. The number they called me from is  XXXX .
Product: Bank account or service

My checking account at TCF National Bank has been charged fees of an excessive amount, nearly abusive, resulting from overdrafts. I take responsibility for the overdrafts but the excessive fees resulted in economic harm to myself and my family. I would like the situation to be resolved in a mutually beneficial way so the account is reinstated, the fees are reduced, and the bank has the ability to make use of the account. I have the need for additional personal and business accounts. It has taken quite a long time for me to address this issue as there have been a series of illnesses in my family, with my wife 's mother and father passing away and my own mother XXXX in XXXX after a long struggle with XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information attached below, which appears on my ChexSystems report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Debt collection

Ive asked multiple times for Experian to do a thorough investigation about accounts in my credit report that didnt belong to me. I wasnt given any information about the investigation or what actions were took to come to the conclusion that they were mine. The accounts are XXXX for {$5400.00}, XXXX for {$2600.00} XXXX and XXXX for {$1100.00}. Ive file a dispute multiple times and still havent gotten any real answers about the accuracy and ownership of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, CLLCN BUREAU OF THE HU add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CLLCN BUREAU OF THE HU has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Checking or savings account

I had to open a US bank reiacard to receive Unemployment payments. First issue came about a month later when I attempted to make to second transfer of funds to my local bank, JSSB. The first time I transferred, there were no issues. Now I have my account locked and funds frozen. I called the customer support on the card and spoke many times with someone who explained to me that I needed to verify my Identity. This was started XX/XX/2020. I have faxed over the appropriate information that was asked of me. After 10 days, I called again and they received nothing is what they said. I have sent them over again on two other separate occasions. But now I'm wondering if I was even talking to the right people and had sent over my copied valid drivers license. No one has been able to give me an answer. I call and ask to speak with someone and get deliberately hung up on. Would like to know what is going on and how to access my funds and accounts. I need that money, I have bills to pay. PLEASE HELP.
Product: Checking or savings account

i made a few purchases online with debit card while inside the USA. they resulted in international transaction fees. these transaction were with my own checking funds not bank money. these charges were online ( and in dollars not foreign money ) so there is no way to establish the location of the company in normal everyday business. allowing this theft of funds to continue is basically turning the internet into a reverse slot machine where any transaction may come back with a {$60.00} charge. again it was my money, in dollars and i never left the USA.. 

the bank told me international charges are non negotiable period. 


they know this is theft thats why they have a policy of no negotiations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to strongly dispute the fraudulent items on my credit file, and I demand their immediate and unequivocal removal from my credit report. As you are well aware, under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate, and their presence is causing significant harm to my creditworthiness. I am demanding the immediate deletion of the following items off of my Credit File as soon as possible : XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$460.00} qt DP OF EDUC XXXX Balance : {$8100.00} DP OF EDUC XXXX Balance : {$3300.00} DP OF EDUC XXXX Balance : {$9400.00} US DEPT ED XXXX Balance : {$6800.00} XXXX US DEPT ED XXXX Balance : {$7200.00} XXXX US DEPT ED XXXX Balance : {$3900.00} XXXX US DEPT ED XXXX Balance : {$6700.00} XXXX DP OF EDUC XXXX Balance : {$10000.00} DP OF EDUC XXXX Balance : {$7100.00} DP OF EDUC XXXX Balance : {$1600.00} DP OF EDUC XXXX Balance : {$5600.00} DP OF EDUC XXXX Balance : {$8300.00} DP OF EDUC XXXX Balance : {$1500.00} XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022. Let me be perfectly clear : I have already reported this fraudulent activity to the appropriate authorities and provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. Despite these efforts, these fraudulent items still appear on my credit report, causing me extreme frustration and financial hardship.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal notice of violations of multiple federal and state laws These violations include, but are not limited to, the following : FEDERAL VIOLATIONS-. Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801-6809 : Failure to safeguard my nonpublic personal information ( NPI ) as required under the Privacy and Safeguards Rules.Unauthorized disclosure of NPI to third parties without my consent. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 : your agents or third-party debt collectors engaged in deceptive or abusive practices during the repossession process, including unauthorized access to or disclosure of my financial information. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 
1681 : Improper access to or reporting of my credit information Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5481 et seq. : Engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ) by mishandling my information or failing to adhere to legal repossession practices. 

XXXX XXXX XXXX - Account Number - XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account Number- XXXX montery collection service- Account Number - XXXX Notice of Legal Action-To resolve this matter and avoid escalation, I formally demand the following : Remove this account from my credit profile. This letter serves as formal notice of intent to pursue all available remedies under applicable law. I urge you to treat this matter with the seriousness it deserves. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I was the victim of a scam in the sale of cryptocurrencies, they asked me for {$300.00} to start investing as a minimum, and then they asked me for {$1000.00} as a fee to withdraw the profits. when I get the gain in the account in XXXX with the customs broker license from the US Department of Homeland security # XXXX, they ask me for {$2500.00} more to upgrade the account and get the money of the profit
Product: Mortgage

My ex husband and i took out a open end loan with Etade ( XXXX ) XX/XX/XXXX. the loan was for {$60000.00}. We divorced XX/XX/XXXX and had to put the house we took the loan out on has to be sold and is selling. We are waiting out the closing. I have called Etrade on this loan to find out information on the balance of this loan and they tell me they can not speak with me on this loan. I am on the loan and did sign all the paperwork. My ex husband XXXX XXXX XXXX submitted to the court this other document and is claiming this is the loan and it had been bought out by XXXX. I called and spoke with the supervisor and they too would not speak with me about the loan. I got the impression from him that is a entirely different loan. I need to know if the etrade loan was paid off is still open and what is this other lender. I the sale of the home I will have to pay half of this balance of this loan. After just shy of eleven ( 11 ) years the loan should not be {$60000.00}.
Product: Credit reporting or other personal consumer reports

Experian is reporting income to consumer 's report. The IRS has accepted this as reported income and 1099C cancellation of debt by XXXX XXXX XXXX  account number # XXXX was received from IRS. Experian is inaccurate reporting income which is a certificate of indebtedness to my consumer report. I have attached my personal identifying information such driver 's license and utilities bill. XXXX XXXX XXXX SSN # last four digits # XXXX XXXX XXXX XXXX XXXX KY XXXX I am not a third party or credit. Reporting income is not accurate ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information Delete immediately and monetary compensation FCRA violations for 15 USC 1681i and 15 U.S. Code 1681e - Compliance Procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. Up to a {$1000.00} per violation. 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681o - Civil liability for negligent noncompliance The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit card or prepaid card

My wife and I both have accounts with synchrony bank. Both my wife and My score has gone down in recent months to the mid 500s. We have been synchrony bank customers for a few year now and have never missed a payment on our cards. Now over the curse of the las t couples of month they have literly closed most of our account really throwing bad negatives on our credit report.
Product: Debt collection

XXXX XXXX XXXX they're attempting to collect a debt for a debt of Original Creditor Name XXXX XXXX XXXX for the amount of {$140.00} which has not been verified I have asked several times for them to verify the debt several times and yet they have not verify any of the information.
Product: Credit card

I purchased an order from XXXX. 

The order is marked as delivered but yet never received. I have a camera system that captures deliveries of items and nothing is showing up on that day that XXXX is marked delivered. 

I have called XXXX several times and I have not been able to speak to anyone past a call center supervisor. I have asked to be transferred to the team that handles disputes, or a supervisor and I was told that they can not transfer me to anyone. 

The item has XXXXXXXX XXXX XXXX as well as XXXX XXXX and both of those are not refundable items and no one at target has been willing or able to refund or send a replacement item to me. 

I purchased these for a birthday gift for my son and yet I am now out the money and out the gift. 

They are not working with me or trying to help me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX promise to remove all past due payments. If I agreed to pay off the account, they never remove the late payments, and it is hurting my credit. 
XXXX XXXX  is reporting account closed, charged off, sold to a collection agency and still reporting a past due balance which is incorrect and should be removed permanently off my record. This XXXX XXXX credit card is a XXXX credit card which I used for a XXXX. By XXXX XXXX, selling it off to a collection agency violates my Hyppa rights and both XXXX XXXX. Lvnv are in violation of my Hyppa rights. 
The company LVNV is the collections company that bought synchrony banks account and is reporting incorrect dates and amounts. I never gave them authorization to do anything. Therefore, they should be deleted off my report permanently. Thank you for your help with this situation. Hopefully we can get these inaccuracies permanently deleted off my report. Thank you.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that there is personal information reporting that I did not consent to being reported
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have these unauthorized credit report inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I have already filed XXXX complaints over not receiving my money the bank is withholding they responded with that I needed to send in identification to verify I use the app that they told me to use and every time I put my information in along with my a picture of my ID it says an error has occurred and then has me start all over again I have done that 5 times now and Everytime its the same result a message saying error occurred and try again.so what am I to do now when the app they provide won't work. I just want my money that is rightfully mine.
Product: Credit card or prepaid card

Yea someone been hacking my account for 3 days in a row The were trying to change my info and unlinked all my info while at the same time I was trying to fix it and they just kept trying while I kept trying to fix it they stole {$390.00} the morning of XX/XX/23 i did not make that transaction I was hacked and they tried to yesterday also on XX/XX/23 My wife made a police report yesterday because we think it was someone with in the Colorado areathe day before they tried the same thing and wasnt successful because yall had locked my account due to suspicious activity and the next day they tried it again and were able to take {$390.00} XXXX this the case number It was a card ending in XXXX
Product: Debt collection

Dear CFPB, I am writing to dispute the following information that XXXX XXXX XXXX and IC System supplied to XXXX, XXXX, and XXXX. I have attached the item I dispute on the attached copy of my credit report ( XXXX ). 

This item XXXX XXXX XXXX is inaccurate because this account was paid in full, and the equipment was returned to the company am requesting that XXXX XXXX XXXX have the item removed. 

I contacted XXXX several times to try to get assistance from them and was not successful. They responded that they had submitted all the documents to IC Sytems, and when I spoke to IC System and notified me that they didn't receive anything from XXXX. ( I have attached a screenshot of how many times I submitted the dispute without resolution. ) I contacted IC System and notified them that the debit of XXXX dollars was invalid because I returned the equipment, and the account was paid in full. They responded that this was not for equipment its for an unpaid bill. I asked them several times to send me proof of nonpayment, and they refused to do so. 

I contacted XXXX XXXX XXXX and spoke to several representatives, and when they looked into the account and verified that the equipment was returned and that it was paid in full but didn't want to do anything about it. 

I also have attached an email from a different debt collector where they attempted to put in collections for the same account but dropped it because they investigated the account and found that I did return the equipment and paid in full. 

I will be attaching what I have sent to XXXX. 

Best Regards, XXXX XXXX