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

I have disputed an account with Equifax three times, citing the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). The disputed account details are : Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX  Date Assigned : XXXXXXXX XXXX XXXX  Original Amount Owed : {$1900.00} Current Amount : {$1900.00} Status Date : XXXX XXXX XXXX Status XXXX UNPAID Each time I submitted the dispute in full compliance with the law. However, Equifax repeatedly responded with letters stating they can not block the information due to non-compliance with FCRA 605B ( 15 U.S.C. 1681c-2 ). 

I also submitted identical disputes to XXXX and XXXX. Curiously, it appears the original creditor provided Equifax with some form of verifiable information that was not shared with the other two consumer reporting agencies or with me. 
The situation raises questions about the consistency of information across credit bureaus and the verification process used by Equifax.
Product: Debt collection

on XX/XX/XXXX I sent a letter to VANCE & HUFFMAN requesting a copy of the original purchase agreement, proving that they are the legal owner of an alleged debt they are reporting on my credit report under account # XXXX. However its now XX/XX/XXXX and they have yet to honor my request nor have they produced the documents I asked for. I dont owe this company anything, nor have they validated this misleading information. Also, the details under this account first appeared on my credit report with the original creditor where it was deleted by XXXX, XXXX and XXXX XXXX, for being inaccurate and unverifiable. The account was then sold to VANCE & HUFFMAN where it reappeared back on my credit report. After VANCE & HUFFMAN failed to respond to my last request. I then sent a another letter on XX/XX/XXXX demanding VANCE & HUFFMAN stop all collection efforts and remove this account from my report. Please have VANCE & HUFFMAN remove this account permanently where it could not be resold to another debt collector for this is hurting my chances of being approved for a home loan and causing me so much stress and inconvenience. Thank you for your Time.
Product: Credit reporting, credit repair services, or other personal consumer reports

*** XXXX XXXX XXXX XXXX, TX XXXX * XXXX XXXX XXXXXXXX XXXX, TX XXXX < -- ( DELETE WRONG ADDRESSES, NOT MY ADDRESSES ). 
XXXX XXXX XXXX  XXXX {$21000.00} < -- ( NEVER LATE HOW IS THIS VERIFIED AS ACCURATE? REVIEW MY ATTACHED DOCUMENT REGARDING THIS ACCOUNT FOR XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX {$3500.00} < -- ( NOT MINE, HOW IS THIS VERIFED? FCRA violation. FTC violation failure of 45 days to settle. ) XXXX XXXX XXXX XXXX {$390.00} ( NOT MINE, HOW IS THIS VERIFED? FCRA violation. FTC violation failure of 45 days to settle. ) FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING
Product: Credit reporting, credit repair services, or other personal consumer reports

It was necessary to unfreeze my credit score in order to co-sign a real estate loan for our daughter. This is an urgent and time sensitive family matter. I have tried 2 times in the last 24 hours to unfreeze my credit at Experian, receiving a confirmation number and it is still unclear that the freeze has been lifted. The mortgage co was unable to access my credit score today, after my 2nd go around with this company to lift the freeze. 
It is IMPOSSIBLE to locate a live person on the phone with this company. I did use the chat function today with an Experian representative who was completely incompetent, after I explained numerous times what my problem was, that I needed to make sure my credit report is unfrozen, he " researched '' and came back with comment that he " saw no free offers on my acct. '' He wasted my valuable time. 
This is completely unacceptable. I did not give my permission for this company to have access to my credit in the first place. I have been forced to put freezes on all my credit reports because of the nation wide breech some months ago. MORE INCOMPETENCE.
Product: Debt collection

on the date of XX/XX/XXXX i received a debt from the XXXX XXXX county court created a debt to the defendant XXXX XXXX the defendant on XX/XX/XXXX attempted to have debt verification pursuant to statute 609 and USC 15 1692 ( g ) and this was on XX/XX/XXXX and made a second attempt to linebarger and did not properly this was created by judge XXXX XXXX XXXX and failed to verify the debt within 30 days this was sent through certified mail and would like to see disciplinary or removal of the derogatory debt from my name XXXX and was unverified and should be removed as the pursuant the above code
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Debt collection

Received an unusual voicemail from a XXXX XXXX asking to speak to me or my attorney. He did not say what it is regarding. He did not even tell me that he was collecting a debt. Only that I am ignoring the matter " at this point in service '' and they will proceed to any available next steps if they do not hear from me or my attorney. A message like this was sort of scary and made me think that this was an attorney and I am being sued. I do not have an attorney and I have n't been served any papers. I thought that perhaps this was one of those fake XXXX calls so I googled the number. It is possibly XXXX bank calling regarding a card that I made arrangements to pay.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft stemming from both the XXXX data breach and the XXXX data breach, in which my personal information was compromised and subsequently misused without my knowledge or consent. On XX/XX/XXXX, XXXX publicly disclosed that on XX/XX/XXXX it had suffered a significant data breach due to Hackers, with a revised announcement in XX/XX/XXXX stating that all three ( XXXX ) XXXX of its accounts were affected and the names, email addressed, phone numbers, birth dates, passwords, calendars and security questions of its account holders were compromised. On XX/XX/XXXX, XXXX disclosed a major data breach between XX/XX/XXXX and XX/XX/XXXX that exposed consumer data, including names, addresses, phone numbers, email addresses, and potentially other sensitive personal information. Due to these breaches, I have reason to believe that my personal data was used to open unauthorized accounts in my name. 
This FTC Identity Theft Affidavit is to report fraudulent accounts showing on my consumer FICO credit report which I do not recognize and which are the result of Identity Theft Fraud. On XXXX, XXXX publicly disclosed that on XXXX it was breached and XXXX publicly disclosed its breach on XXXX, confirming that the incident occurred between XXXX XXXX XXXX. Each exposed sensitive personal consumer data and due to these breaches my personal information was compromised and used to open unauthorized accounts in my name without my knowledge or consent. These fraudulent accounts consist of a personal credit card account with XXXX on XXXX, a personal credit card account with XXXX XXXX  on XXXX, a rental lease account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent collections, closed accounts, and multiple fraudulent hard inquiries appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of Identity Theft and Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Transunion to investigate the following inquiries, they haven't investigated and keep replying that they are inquiries and nothing can be done. They should be removed promptly. 

XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XXXX and Security Finance is falsely reporting on a debt that is being handled by a third party Credit Consildation company. XXXX XXXX
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  De XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Credit Reporting Request for Deletion Under FCRA Dear CFPB, I am submitting this formal dispute regarding inaccuracies reported by TransUnion, XXXX, and XXXX concerning account XXXX. These errors violate the Fair Credit Reporting Act ( FCRA ) by failing to ensure accuracy, consistency, and completeness in credit reporting. 

Discrepancies Identified : Inconsistent High Balance : High balance reported as {$270.00} contradicts the secured credit card limit of {$500.00}. 

Missing Verification Dates : XXXX and XXXX fail to provide a " Last Verified '' date.

Conflicting Account Remarks : TransUnion and XXXX list contradictory remarks ( " Charged off as bad debt '' vs. " Dispute resolved '' ), while XXXX adds further discrepancies ( " Account was in dispute - now resolved '' ). 

Erroneous Payment History : XXXX lists 64 instances of being 90 days late, which is implausible given the timeline.

Account Type Variations : Inconsistent classification of the account type ( e.g., " Secured credit card '' vs. " Credit line secured '' ).

Date of Last Activity Discrepancies : TransUnion ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ) report conflicting dates. 

Creditor Type Variations : TransUnion and XXXX list " Bank Credit Cards, '' while XXXX states " All Banks. '' These inaccuracies violate 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 1 ) ( A ) of the FCRA, which require accurate, verifiable, and consistent reporting. 


[ XXXX XXXX ] XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt by XXXX XXXX XXXX XXXX XXXX ( XXXX ) for {$200.00} being reported on credit report is incorrect and has been fully paid for ( see attached ). This must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.
Product: Student loan

I requested information on how to apply for the cancellation of my private student loans on the basis of fraud and/or misrepresentation by my school. The servicer replied & stated there are no options available for loan forgiveness.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep concern and frustration regarding the multiple attempts I have made to remove fraudulent items from my account. Despite my repeated efforts, it appears that the issue persists, and I have not seen any resolution.

I have encountered unauthorized transactions and fraudulent activities on my account multiple times, and I have diligently followed your provided procedures for reporting such incidents. However, the lack of effective action on your part has left me dissatisfied and concerned about the security of my account.

Despite my cooperation and adherence to your reporting protocols, the fraudulent items have not been adequately addressed, and my account security remains compromised. This situation is not only inconvenient but also raises serious concerns
about the integrity of your security measures.

I request an immediate and thorough investigation into these matters to identify the root cause of the repeated security breaches. Additionally, I expect prompt action to remove all fraudulent items from my account and to reinforce security measures to prevent such occurrences in the future.

If necessary, I am prepared to provide any additional information or documentation to support your investigation. I trust that you will treat this matter with the urgency and seriousness it deserves, and I look forward to a swift resolution.

Failure to address this issue promptly may compel me to escalate my concerns to relevant consumer protection authorities and consider legal action to safeguard my rights as a customer. 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  Balance Owed : {$6800.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX XXXX Balance Owed : XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$6800.00} XXXX XXXX XXXX  Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX XXXX  Balance Owed : {$29000.00} XXXX XXXX XXXX Balance Owed : XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, the following fraudulent account has appeared on my credit report without my authorization. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following record be blocked and deleted immediately : Fraudulent Record XXXX  XXXX Bankruptcy XXXX  Case Number : XXXX XXXX  Date Filed : XX/XX/year> XXXX  Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I have a total of {$880.00} sitting in my Coinbase account. I bought and sold XXXX which is XXXX. I want to transfer my money out of my Coinbase account back to my checking account. They froze my funds. I don't understand how they could do this. I emailed them many times and they are giving me the run around saying that that they can't allow a transfer because of security issues. I feel they are saying this as an excuse to keep the money. Please help me with this situation. 

Attached you will see a copy of the email they sent me saying the funds can't be transferred out of Coinbase and another attachment showing a snapshot of my back office showing my available balance. And a description of the amount that says it is unavailable to transfer out. 

I feel they might be trying to keep the money. I was unaware that this thing could happen.
Product: Checking or savings account

Hi i recieved a refund from university on friday. I always have a problem accessing my money from bank of america. I was told all they needed to do was push a button to release my funds and they refuse. It doesnt matter that i have rent due or anything else this bank/company just wants to take everything. the employees are rude and unhelpful. I have XXXX XXXX an hour now to find this bank just to walk in to be told we cant do anything when the guy on the phone from the same company is saying otherwise. I will start looking for a new bank or just no bank for next time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : 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 end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. INCORRECT BALANCE {$170.00}, I HAVE SETTLED AND CLOSED THIS ACCOUNT. 
I closed and paid this account on time ( never late ) XX/XX/2020, However there is reporting error following next statement on XX/XX/2020 to XX/XX/2020. I STRONGLY Believe the closed account was fraudulently re-bill.
Product: Credit card or prepaid card

The following IP address use my credit card and physical mailing address to make a XXXX purchase with my credit card : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lodged disputes with XXXX XXXX, JH Portfolio Equities and XXXX XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus
Product: Checking or savings account

XX/XX/XXXX. I opened one Everyday checking account with Wells Fargo in person - at a local branch, using my current email address, mailing address, phone number, and my state of Florida picture ID to verify my identity XX/XX/XXXX. : After logging in on wellsfargo.com, I noticed XXXX additional Everyday checking accounts were opened on XX/XX/XXXX, without my knowledge, consent, or authorization. 

These accounts were opened without the {$25.00} minimum deposit that's required to open up an Everyday checking account, and no money was taken out of my legitimate Everyday checking account Further, both fraudulent accounts were opened by Wells Fargo, even though my personal information on each of the respective applications did not match with what they already had in their system : Wells Fargo opened up these XXXX fraudulent checking accounts even though : My current email address did not match My current mailing address did not match My current phone number did not match My current picture ID did not match. 
My current job description and title did not match And both IRS XXXX that were submitted, along with both applications, were forged, under the penalty of perjury, which is a felony under federal law. 

As luck would have it - they had used an old email address of mine to open up these accounts- so I was able to retrieve both fraudulent applications and both fraudulent XXXX that were submitted, and approved, by Wells Fargo 2 years ago - Wells Fargo paid the Justice Department {$3.00} XXXX to settle a case for doing the exact same thing as what they did to me. 

If an outside entity had stolen my personal information and tried to open up these accounts - I would imagine that Wells Fargo would have rejected these applications, because none of my personal information, other than my name and social security number, matched with what they had in their system Inside job - plain and simple
Product: Checking or savings account

XX/XX/XXXX at XXXX there was a transaction of {$990.00} that was made via XXXX XXXX. I did not authorize the transaction. It was directly deposited into an account that has no affiliation with me. When I discovered this, I called Chime XX/XX/XXXX and requested the transaction be stopped. They refused and told me that it was pending and they had to wait until it completed to file a dispute and issued a new debit card. The following day XX/XX/XXXX, I called and requested a dispute to be filed and was told no and to contact XXXX XXXX. This is not right, if I called them immediately and let them know why not stop the payment? I've now been victimized twice.
Product: Debt collection

Jefferson Capital Systems , LLC Attn : Customer Service Department XXXX XXXX XXXX XXXX. XXXX, MN XXXX Re : Cease and Desist Demand Dear Jefferson Capital Systems , LLC, I am writing to formally request that you immediately cease and desist from all communication and collection activities related to the alleged debt associated with my account. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and any other applicable federal or state laws. 

Description of the Issue : Cease and Desist Request : I hereby demand that you : a. Immediately cease all forms of communication with me, including phone calls, letters, and emails, concerning this alleged debt. 

b. Cease all collection activities related to this account. 

c. Provide written confirmation within 30 days that you have complied with this request.

Consequences of Non-Compliance : Please be advised that if you do not comply with this cease and desist request, I will consider taking appropriate legal action to protect my rights. This may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or seeking legal remedies available under the FDCPA.

No Waiver of Rights : This letter does not constitute a waiver of any of my rights, claims, or defenses, all of which are expressly reserved.

I trust that you will handle this matter promptly and in accordance with the law.