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

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX ( XXXX ) XXXX Dear TransUnion, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The inquiries/ owed are hard pull inquiry for the following items : Inquires : XXXX XXXX XXXX XXXX XXXX I am disputing this claim due to : I have no knowledge of this account. It is fraudulent and i am requesting that it be removed immediately. 

This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim. 

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.

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: Debt collection

Affirm had contacted my place of work on multiple occasions asking for me by name and when I attempted to contact them by mail and provided my information all they provided me was an email stating I was responsible for the debt. Never once did the company provide me with written and signed documents that state I agree with my signature and they never provided my correct address or any other information only that I owe them money to several accounts. When sending in a written letter stating for them to provide accurate written documentation they provided nothing but an email stating I was responsible for payment with no other info as to what was purchased who they are and what services they provided. This has been ongoing for over a year now ( since XX/XX/2022 ).
Product: Checking or savings account

On XX/XX/XXXX. I had 3 unauthorized charges on my Wells Fargo Checking account, the first charge was for {$100.00}, the second charge is for {$16.00}, the third charge is for {$100.00}. I called in to file a claim as soon as I noticed these unauthorized charges which was on XXXX XXXX, XXXX. I assured the bank I did not make these charges also requesting more information on the location. The representative said she was sorry I was dealing with this and sent me a new card and offered a temporary credit within 10 days if they needed more time to investigate. I never received a call, nor did they give me more information regarding these charges. Today on XX/XX/XXXX my claim was denied with no reason why. These charges were not made by me and my bank does not want to refund me for these unauthorized charges.
Product: Credit card

I made my payment to Bank of the West on the due date last month. A few days later I get a call asking if I would make a payment because the payment did not go through. I checked my bank account and it had not gone through. I agreed to make a payment again. I was told I would not be charged a late fee. 
I got this months statement and I was charged a late fee. 
Now they have merged with BMO and Im trying every phone number that is listed on my statement to make a payment and I cant get through.
Product: Credit reporting or other personal consumer reports

My identity has been stolen and used to open fraudulent cards in my name and loans. I have checked my credit and noticed fraudulent accounts, inaccurate personal information and inquiries.
Product: Credit reporting or other personal consumer reports

i sent in debt validation on an account that was not honored and claims that i refused to comply ... they closed the account and still reporting the the credit agency this goes against my rights as a consumer..they are reporting without my permission i was not giving the option to opt out of of this there is no law to report my info to the credit agency or giving disclosure for my personal information to theses companies and experian, XXXX XXXXXXXX all had security breach of personal information. I would like for this to be taken off my report or i will start seeking legal action. 

XXXX5 U.S. Code 6801 - Protection of nonpublic personal information U.S. Code ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. XXXXXXXX XXXX XXXX
Product: Checking or savings account

My complaint involves the company Albert ( an online savings tool ). The company purposefully deceives and makes it extremely difficult to deactivate your account. They also auto-enroll you once you link a savings account. The way they " get you '' is they give you a little bit of money and if you want to transfer the money you need to link an account. I was sick of getting their emails so I decided to link an account, do the transfer, and close the account. However, once you link an account they auto enroll you in their auto-save function which costs {$10.00} per month and automatically pulls out small amounts of money each day or week or month, which creates a perpetual balance above zero ( even when you transfer funds ). Albert doesn't let you close the account until the remaining funds are zero so you get caught in this loop. My concern is they are doing this to thousands of people who 1 ) do not know they are being charged and 2 ) can't navigate the loops to close their respective accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The first round of letters I wrote to all 3 credit bureaus XXXX, XXXX, and Equifax on XX/XX/2021. Demanding that the things being reported on my credit report needed to be removed. I never gave them written consent to furnish anything on my report pursuant to 15 USC 1681b ( 2 ). No consent is identity theft! They only thing that I got from XXXX and Equifax was a credit report with nothing removed. XXXX never responded during the 30 days provided after the certified mail receipt.
Product: Checking or savings account

On XXXX/XXXX/22, a person using the name XXXX XXXX made fraudulent money transfers from my checking account of {$2000.00} and {$2500.00} by setting up instant payments. They also made a {$2500.00} payment using my XXXX. I did not authorize any of these payments. A person called me the same day claiming they were from my bank to ask me about my personal information, but I could not verify they were actually working for the bank. Their phone number is XXXX ( XXXX ) XXXX. I called my bank to open an investigation and dispute these charges, and am awaiting to be refunded the full amount.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$8800.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Ca n't receive my credit report because of information on my credit report is not accurate I am a victim of I 'd theft which has been reported many years ago with the IRS and other government agency and still my information is being stoking for cars mortgages and loans that I never had or applied for ... I 've tried calling the police for a complaint and they we 're no help instead they blew me off what is my next step to fixing this issue?????
Product: Debt collection

XX/XX/year> Jefferson Capital XXXX XXXX XXXX XXXX XXXX MN XXXX Subject : Final Demand for Verification and Removal Due to Inaccurate Reporting Dear To Whom It May Concern, This letter serves as my formal and final demand for Jefferson Capital, to provide adequate verification of the alleged debt and cease reporting it to any credit bureaus if validation is not provided. This request is made under my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I previously requested validation of this alleged debt and expected a response in compliance with the FDCPA, which mandates providing sufficient verification and details beyond a mere bill statement. The law requires the original creditors identity, amount owed, and validation that this debt belongs to me. Providing a statement or account summary does not fulfill these requirements, nor does it substantiate the accuracy of the debt. As Jefferson Capital has failed to provide proper validation, I demand that : All inaccurate information be removed from my credit report within 15 days of this letter, as its continued reporting constitutes a violation of the FCRA and may result in damages to my creditworthiness. No further contact be made with me about this alleged debt, as outlined under 15 U.S.C. 1692c ( c ) of the FDCPA. I hereby issue a formal cease-and-desist on all communications regarding this matter. Failure to comply will leave me no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney generals office. Additionally, I reserve the right to pursue all available legal remedies for violations, including damages under 15 U.S.C. 1692k. Please consider this letter as my final demand to resolve this matter amicably. I expect prompt and full compliance to prevent escalation. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report, and there were accounts as well as hard inquiries. I do not recognize please remove accounts and inquiries. I am victim of identity theft
Product: Debt collection

Midland Credit Management Re : Violation of FDCPA Rights and Misinformation on Credit Report To Whom It May Concern, I am writing regarding your recent reporting of a debt to the credit bureaus that has appeared on my credit report. I believe Midland Credit Management is in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Firstly, I have not received any statement or communication from Midland Credit Management providing a detailed validation of this debt. Under the FDCPA, I have a right to obtain verification of the debt, yet I have not received sufficient documentation confirming the validity or ownership of the alleged debt. Your failure to provide this information, despite my requests, infringes upon my rights to debt validation. 

Additionally, it appears that you have reported inaccurate or unverified information about this debt to the credit bureaus. Under the FCRA, you are obligated to ensure that only accurate and substantiated information is reported on my credit file. Reporting unverified debt information causes significant damage to my credit rating and is a violation of FCRA standards. 

Therefore, I respectfully request that you : 1. Immediately cease all collection efforts on this debt until proper validation is provided. 
2. Remove all inaccurate or unverified information regarding this debt from my credit report until its validity can be confirmed. 

Please respond within 30 days with written verification of the debt, including all relevant details of the original creditor, the debt amount, and any agreements related to the alleged obligation. 

Thank you for your attention to this matter. 

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

I'm having a hard time getting the credit bureaus to process my paperwork. Every time i call and ask if they have received my information that i've mailed, they tell me no.
Product: Checking or savings account

I was unsuccessful logging into my account and was told to call customer service and I mentioned I shared my username with my partner with my permission and its been XXXX weeks now and they have restricted my account and wont let me access my money. I have been calling them everyday since and no one is able to give me a response all they tell me is that a investigator is reviewing my account and they will not let me speak to someone to can assist me. When I first called I asked to speak to a supervisor and the agent refused to let me speak to a supervisor and she argued with me and told me that she had to disconnect my call if I had no other questions which I have so many questions. My account is still restricted and I can not access my money and I live check to check and this is causing me a financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter about inaccurate and unknown things on my credit report. to this date over 35 days later. I have not received a response. I feel that my disputes is being ignored. Section 611 XXXX a ), stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted. I demand these be deleted immediately or I will file for litigation. my information also may been impacted by the Equifax XXXX XXXX and my have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards of my credit report and its been well over 30 days. I haven't seen any investigations results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to INNOVIS. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15U.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: Debt collection

I tried to contact this collection company, Southwest Credit in reference to XXXX XXXX XXXX asking them to send Verifiable Proof ( Original Consumer Contract with my signature on it ) stating the debt of {XXXX} is mine. They have failed to verify this account which has hurt my ability to obtain credit. This collection company has sent several collection letters but no sign agreement. This acct doesn't belong to me. Under the FCRA, unvertified accounts must be deleted if the company is unable to provide me a copy of vertifiable proof and this company is refusing to do so. Please assist in having this account removed from my XXXX, XXXX and XXXX  report permantently.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a XX/XX/XXXXand the XXXXXX/XX/XXXX, my personal information has been compromised, including 25 critical findings tied to my identity within the breach.These accounts and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.
Product: Credit reporting or other personal consumer reports

I previously filed a complaint about inaccurate credit report on my XXXX report. The account should show included in bankruptcy and balance should be XXXX. Thats not how its reported on report. XXXX XXXX and XXXX has it correct. Please fix or I will sue.
Product: Checking or savings account

I opened a business checking account and merchant services because they offered a rebate and the fees were cheaper than my current provider. Fees were to be waived until XX/XX/2019 and when they did come they were to be taken out of the XXXX rebate according to the agent. Instead my account was charged for {$99.00} and XXXX even though I got a letter saying it was waived and since the account was new it only had opening balance which caused it to overdraft. I contacted the bank directly and they could not reverse and the agent has not reversed as he said and has since not been responding as readily since I told him to close the account and reverse fees.
Product: Credit card

I am having work done on my house and checked my Discover Card account to see if the flooring company had charged me for anything after ordering my materials. I saw a couple of things on my account that did n't look right. When I looked further there were XXXX companies and a number of transactions that I had not been involved with. I called Discover Card and they put me through to their fraud department. The companies were XXXX, XXXX XXXX, XXXX 's XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX. Discover cancelled that card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Experian posted a debt of {$550.00} from XXXX XXXX XXXX XXXX XXXX. I contacted Experian requesting the " ... .procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) ... '' I have not heard back from Experian as of XX/XX/2022 XXXX
Product: Debt collection

XXXXAmsher Collections Services Inc. 

This is the second time you have violated the law and myself. YOU DID THE SAME EXACT THING IN XXXX. IS THIS HOW YOU ATTEMPT TO COLLECT ANY DEBT? BY NOT VERIFYING THE DEBT STATUS, AND NOT CONTACT THE DEBTOR TO MAKE ANY ARRANGEMENTS TO PAY. Not once did you try to reach out to me to attempt to collect any debt or advise an collection status. I do understand your FOR PROFIT Debt Buyer Company buys unknown unverified debt in turn to make a profit. This must stop. I need notification today this fraudulent COLLECTIONS STATUS is removed. 

Why does AMSHER waits to I pay the medical Bill in full only to place the current account in collections????? PLEASE ANSWER I am in receipt of the collections practices and correspondence made by Amsher Collections Services Inc. This Account has been paid in full since XX/XX/XXXX, and you have still ignored my payment. As of XX/XX/XXXX I have received several credit bureau alerts IAO {$110.00}. Regarding allege records of nonpayment to XXXX XXXX XXXX by myself. 
In conclusion it is my position to dispute Amsher Collections Services claims are entirely without merit. Amsher Collections Services Inc. must correct their records, and remove from the collections process FROM ALL THREE CREDIT REPORT AGENCIES. 

FYI, Amsher Collections is only known as a Debt Buyer with no actual proof, debt validation, or payment history really exists as the CFPB does not accept these kinds of violations. You have until Today to remove the collections from all Bureaus you are reporting inaccuracies. We are will filing suit against your For Profit Company AKA as a Debt Buyer Company, and involve several third parties to insure you comply, and recover any financial compensation by law. I request you send me confirmation you have complied with my request. 

Please see attached supporting docs and dispute letters are in transit to multiple agencies to insure you comply with the law. DOCKET IS FILE! 

FYI, Please respond to all to insure your complying with my request TODAY. Copied is my Attorney, CFPB, AL State Attorney General