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

Account : XXXX XXXX XXXX # XXXX On XX/XX/2021 I requested the following from XXXX XXXX XXXXXXXX : Validation of debt, Method of verification and Assignment of debt for this account. They have place this account on my credit report without notification. If they believe they have notified me please provide " Certified Mail Receipt '' It's now XX/XX/2021. I have never received any of the requested documentation. Only a letter through the CFPB portal stating when notification was sent out, but there is no PROOF ( CFPB letter is attached ). In addition, They are in violation of my HIPPA Rights and FCRA it's been over 30 days since I have requested this information.

Please Reference CFPB file # XXXX for initial compliant directly with the company.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XX/XX/year> I.C. System, INC XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Dispute of Dept Reporting on Credit Report ( ATT U-Verse ) To whom it may concern, I recently reviewed my credit report and noticed that your company is reporting a debt under the above referenced account. I do not recognize this debt and am formally disputing its validity under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F ( 12 CFR Part 1006 ). Additionally, I am requesting full validation of the debt under my rights provided by the Fair Credit Reporting Act ( FCRA ). 

Debt Validation Request Under Regulation F & FCRA To comply with federal regulations, I request that you provide : 1. Creditor Information : The name and address of both the original creditor and the current creditor who owns the debt.

2. Debt Verification : A breakdown of the debt amount, including principal, interest, fees, and other charges as required under 12 CFR 1006.34 ( c ). Proof of a valid contract agreement establishing the alleged debt and my obligation to pay it.

3. Itemization Date : Provide the specific reference date you used in your itemization ( such as the last statement date, charge-off date, or last payment date ).

4. Assignment records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency.

5. Proof of Permissible Purpose : Documentation explaining the permissible purpose under which you accessed and reported this debt to the credit bureaus, per 15 U.S.C. 1681b ( Fair Credit Reporting Act ). 
6. Cease Collection Until Validation Is Provided : If you can not provide proper validation, I request that you immediately cease all collection activities and remove this account from my credit report.

7. Credit Reporting Requirements : If this alleged debt is reported to the credit bureaus, I request that it be marked as " disputed by consumer '' per 15 U.S.C. 1681s-2 ( a ) ( 3 ). If this debt can not be validated, I demand that it be deleted from my credit report immediately in accordance with the FCRA. I request confirmation that no negative information will be furnished to the credit bureaus during the validation process, per Regulation F guidance. 
8. Notification to Future Collectors : If you transfer or sell this account to another agency, they must also be informed of my dispute per 12 CFR 1006.30 ( d ) ( 1 ). 

Next Steps Please provide a written response to this request within the legally required timeframe. If you can not validate this debt, I expect you to promptly remove it from my credit report and cease all collection efforts. 

Additionally, I do not consent to any form of contact via email, phone, or text message. I request that all communications be conducted strictly via mail. 

Thank you for your immediate attention to this matter. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I need to urgently address a critical matter concerning my consumer report with EXPERIAN. Regrettably, there are accounts listed on my report that stem from identity theft. None of these accounts are connected to any transactions I authorized, and I have not gained any benefit from these reported activities. 

My attempts to rectify this issue have been diligently undertaken. I've submitted written correspondence to Experian, accompanied by irrefutable proof of my identity, an official identity theft report, a detailed identification of the erroneous information, and the requisite legal statement. According to the law, Experian is mandated to promptly block and completely remove these misleading accounts within a maximum of four business days from the receipt of my notice. 

The urgency here can not be overstated. I seek the immediate rectification of this matter to prevent any further complications or implications arising from this inaccurate reporting. 

Your swift attention and resolution to this situation are greatly appreciated.
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 U.S.C 1681. ACCOUNT Name : XXXX  XXXX XXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX  XXXX, and XXXX XXXX XXXX XXXX. 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 an 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: Credit reporting, credit repair services, or other personal consumer reports

I called into Equifax to dispute unauthorized inquiries from my credit report. I was informed by a representative and his supervisor thats its against the law for them to submit a dispute for me and I would need a police report to do it on my own. I asked for the law that governs inquiry disputes, and was told to XXXX it. All credit reporting agencies do the same. However, I reached out to XXXX, and they were more than helpful in submitting my disputes for me. Misinformation and the inability to help a customer, is unacceptable. I called CFPB, and was informed that the information from Equifax is false and a customer has the OPTION to submit documents. It is NOT a requirement.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bureaus have not responded to any letters since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX,, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached document account with XXXX XXXX, is inaccurate, fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX account : Please remove all of the inquiries as stated above, as they are listed below from Equifax report. The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.

-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 separate letters on XX/XX/2020 and XX/XX/2020 asking for verification of multiple fraudulent and questionable items on my credit report and have not received back anything in over 90 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused a major stress on my life and loss of wages.
Product: Debt collection

on XX/XX/XXXX I looked on my XXXX report and saw a collection for midwest recovery system llc so I called them to find out what this auto loan was about they told me it was a dept they are trying to collect for XXXX XXXX XXXX  I never signed a deal nor a contract with midwest recovery system llc so they should not be contacting me or going after my credit in no way cause I have no legal binding nor obligation to this company in written or verbal agreement form
Product: Checking or savings account

We have had this account for years and decided to transfer XXXX dollars to my XXXX XXXX account. Venmo stops the transfer and has been holding the money ever since. My wife has been getting her paychecks there recently. They claim it was a suspicious account, We use our account like any normal person. Pay bills, order food, and get a paycheck from a reputable company. We closed the account because they will not give us our XXXX dollars back.
Product: Credit card

I was told by XXXX that I could not downgrade my Southwest Credit card to a no annual fee credit card, however, in writing from Chase, I received a notice from XXXX, XXXX XXXX, that I just needed to call Chase an they would be " happy to help [ me ] change my account to our no annual fee card. '' However, this appears to have been a lie by XXXX, as XXXX stated there is no way to do this. I had a no annual fee card with Chase co-branded with Southwest and despite being told in writing I could, it appears the corporate greed is so strong with Chase that they refused to do what they stated that they would do in writing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is violating the law by reporting XXXX accounts that 1 ) I was never given a notice for. According to the FCRA they have 5 days for a written notice to be given. Also these accounts have an arbitration clause. I dont know who gave them the right to collect on a contract with a clause.
Product: Money transfer, virtual currency, or money service

My husband and I were the victims of ACH fraud whereby scammers impersonated the accounting team at my general contractor and directed approximately {$58000.00} of payments to a fraudulent account at Truist Bank between XX/XX/XXXX and XX/XX/year>. On XX/XX/year>, our contractor discovered the fraud and we reported to fraud to both our bank 's fraud department XXXX XXXX XXXX XXXX ) and Truist Bank, noting to Truist Bank that XXXX  issued an electronic tracer to flag the two ACHs and the account associated with it. We also requested that Truist place an alert on the Truist account and freeze it pending the fraud investigation. 

On XX/XX/year>, we called Truist 's fraud department, and the analyst confirmed that the beneficiary name/account holder name on the Truist account in question does not match the merchant name provided as part of the ACH. After being transferred to the operations team, Truist confirmed that the account owner has been flagged as unusual and the account has been frozen pending the investigation and the wire department confirmed that wires and ACHs are not to be released from the account. 

On XX/XX/year>, my bank XXXX XXXX XXXX XXXX XXXX XXXX fraud department confirmed it sent a Hold Harmless Letter to Truist 's fraud department through an electronic system requesting the fraudulent account be frozen pending the investigation. 

On XX/XX/year>, the XXXX XXXX XXXX XXXX XXXX in partnership with the XXXX police department issued a warrant to Truist Bank requesting the underlying documents to see the ACH instructions it received, whether that complied with its fraud controls, what money remained in the account, etc., and reiterated to Truist 's fraud department that the fraudulent account should be frozen pending the investigation. 

Around XX/XX/year>, Truist Bank responded to the XXXX police department that during the month of XX/XX/year>, the scammers had removed about 40 % of the victims ' money from the account and that Truist was returning the 60 % remaining to XXXX. Truist did not explain how it allowed the scammers to move 40 % of the money abroad after it had received the formal Hold Harmless Letter and account freeze request from XXXX  XXXX XXXX XXXX fraud department and the warrant and account freeze request from the XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in the XXXX credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

This company called me regarding collecting a debt. After further research, they are not bonded with the state of Texas as required by Tex. Fin. Code. 392.101. With this, these seem to be abusive collection efforts in which falls under Tex. Fin. Code 392.402.404.  Also, I was never notified of this debt and it's not valid. I've contacted the credit bureaus to notify them of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the use of MALPRACTICE I have been subject to VIOLATIONS OF THE FCRA by your company. 

As a RESULT I have experienced FINANCIAL INJURY, DEFAMATION OF CHARACTER, JOB DENIAL, CREDIT DENIAL as well as GOVERNMENT ASSISTANCE DENIAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX account on my credit report that is reporting incorrect. My credit report is showing three different dates of last activity. All three dates can not be correct. This means that my credit report is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against XXXX, Experian and XXXX. I have settled all of my collection accounts which was being reported. 
I had 4 collection accounts that was paid within the last year, the credit reporting agencies not only improperly reported the tradelines, but they did not raise my credit score accordingly as they were being paid. I also paid down on my credit card accounts which does not reflect on my credit report. This non-increase is very damaging, when applying for credit I am subject to much higher rates due to the incorrect reflection of my scores. I should have received 60 additional points for paying off those accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over XXXX  days. These consumer reporting agencies are in violation. 
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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX put a credit inquiry on my Credit Report.
Product: Debt collection

On XX/XX/2023, I received an email from Columbia Debt Recovery LLC stating that they had been appointed by XXXX XXXX XXXX  XXXX XXXX to collect a debt of {$5200.00} from me. Upon receiving this email, I promptly replied with a letter attached from XXXX, indicating that they had already sent a release letter to XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) on XX/XX/2023, and were awaiting their signature for settlement. I also forwarded this information to XXXX XXXX XXXX XXXX  XXXX, including the insurer 's response with claim number XXXX. Despite providing this evidence, Columbia Debt Recovery refused to acknowledge it and persisted in harassing me with emails and text messages. 

Subsequently, on XX/XX/2023, the insurer issued a letter confirming that they had settled the property damage claim with XXXX XXXX XXXX XXXXXXXX XXXX. In an attempt to resolve the situation, I contacted a representative from Columbia named XXXX and forwarded her the settlement letter on XX/XX/XXXX, along with proof of the insurer 's settlement and an acknowledgment email from XXXX XXXX XXXX XXXXXXXX XXXX. However, Columbia Debt Recovery did not respond to this communication and continued their harassment by demanding payment and reporting derogatory marks to credit bureaus in XXXX, which adversely affected my credit report. Despite disputing these actions on my credit report, Columbia Debt Recovery refused to remove the negative information, leaving the case unresolved and impacting my credit standing.
Product: Checking or savings account

I recently opened a complaint against Huntington Bank for fraudulently stating they had closed my account and then I continued receiving emails and texts from them that my account was still open. This concerned me because possibly they could attempt to fraudulently charge fees. They also locked me out of the account on their website while doing this - after one login attempt with the correct password, the error states " You have exceeded the maximum number of attempts. Your account has been locked. '' Huntington wrote correspondence to my first complaint that my account was in fact closed however just today I received a text and email saying my account is still open so I am opening a new complaint. Huntington Bank needs to be held accountable for this bad behavior because consumers can be financially damaged by it.
Product: Debt collection

My account ID number from my credit report : XXXX My information was in a data breach with XXXX and other companies.
Product: Credit reporting or other personal consumer reports

This was paid and settled in XX/XX/year>, I spoke with a representative on the phone along with my real estate agent to ensure this would be paid and deleted off my credit report. They assured me that it would and sent me an email stating this. The debt has been paid for over a year and yet it still remains only on my XXXX credit report. Please have them remove this, I am trying to purchase a home, this is rendering my availability.
Product: Credit reporting or other personal consumer reports

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to XXXX requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent them to delete all my old addresses and send them my new address that I have for the past 3 years. Also sent them my correct name.
Product: Credit reporting or other personal consumer reports

Used incorrect information. An administered fraudulent charges. Deflecting credit score into XXXX marking it impossible to refinance with lower interest rate..
Product: Student loan

It is showing that I have 9 student loan on my account. I should only have 3 but on my credit report it showing that Ive got 9 and all those are the same account number and the amount that I owe