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

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : NOWCOM/WESTLAKE FINANC XX/XX/2021 To Whom It May Concern, I am writing to inform you that I am deeply concerned about an unauthorized inquiry that you made on my consumer report. As a responsible consumer, I believe that it is essential for companies to respect the privacy and security of their customers ' personal information. However, it has come to my attention that you obtained my credit bureau report without my permission or a permissible purpose, which is in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681b.

I have not initiated any transactions with your company, nor do I have an account with you for review or collection purposes. Therefore, there is no valid reason for you to access my credit report. Your actions amount to a violation of the FCRA, which is punishable by law, and I am prepared to take legal action if necessary. 

According to the FCRA, any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined, imprisoned, or both. Your actions not only violate my privacy rights but also put me at risk of identity theft. 

I demand that you remove the unauthorized inquiry from my credit report immediately. Moreover, I am willing to settle your civil liability damages for the violation of my privacy rights for {$1000.00} pursuant to FCRA 15 U.S.C. 1681n. If you fail to comply with my request and refuse to settle the matter by making payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receiving this notice, I will seek actual damages, which are greater than {$1000.00}. 

Please send payment immediately via certified funds to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I hope we can resolve this matter amicably without the need for legal action. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

From the end of XXXX ( When I no longer had a cell phone ), I tried to get my password so I could get into my online account at Chime. I kept getting asked for copies of my drivers license, a picture of me holding the license and a piece of paper with the current date on it, and something else I do not remember at this time. Not having a phone I could only take and send pictures with my Laptop computer. Chime kept complaining the pictures were fuzzy, try again. This went on and on. All I wanted was to get into my account so I could see what was happening. Finally, at the end of XXXX, some kind woman said she could not get me in but if I used a different email address she would be able to get me in that way. I came in with a new address and checked my account which I had not gotten to before and saw a bunch of charges I had not made. This was, by now, XX/XX/XXXX. I called them into Chime and they said they would check them and I should have an answer by XX/XX/XXXX. I am not in a position where I can afford to wait XXXX months for money stolen from me with Chime 's help. They know I couldn't make those charges because they were all made before I had access to my account. And Chime gave them permission to do so. Normally, when I charge anything, Chime sends me a text asking if I made the purchase and I have to answer yes or no. Since I didn't have a cell phone they could not text me and just XXXX 'd every thing. So I am now paying for charges for a phone service I never heard of, for XXXX deliveries by XXXX XXXX  and XXXX XXXX. I There were charges for thing completely out of reason for me to buy even if I could use my account and they know I couldn't use it. I keep calling and telling them I need the money now and they keep telling me XX/XX/XXXX. My auto insurance was cancelled because it is an automatic monthly deduction and there was no money there to pay it. I am now getting letters from other automatic deduction companies wanting their money and I don't have it. My refrigerator and pantry are empty and I will have to go to the food bank on Saturday, but starve until then because I have run out of cash. All I want is the money stolen from me, returned to me NOW.
Product: Debt collection

I'm disputing this account. I'm asking for them to prove 100 % verification or validation. So I'm submitting through this site to get the help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify? 

Please stop collections immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, a debt validation letter was delivered to Portfolio Recovery ( XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ) as to validate an account reporting on my report. Their 30 day investigation would have ended XX/XX/2019 and I still have received no response.
Product: Credit reporting or other personal consumer reports

I have submitted a 4 day block and remove for identity theft with transunion. Transunion has failed to do anything on my behalf and continues to cause harm to me which is a violation of the FCRA. 

I have included papers regarding my request with XXXX XXXX for information to validate the debt. XXXX XXXX did not provide all the paperwork that was requested and therefore renders there validation null and void. As you can see, I swore per XXXX and affidavit on the statements that I made and all that XXXX  XXXX did was send a print out on a letterhead and not accounting to prove that I indeed owe a debt. The did not include the note, they did not verify that did not sell the note and the other matters within the letter. 

EVERYONE HEAR FOR THE RECORD, has caused me severe harm and this may be a major tort. 

If Transunion, does not correct this, I am at least recording this here for reference if I choose to seek remedy in court. Although I am trying to avoid going to court.
Product: Credit reporting or other personal consumer reports

I request early warning report and upon read this report I noticed that over XXXX transactions from my bank reporting on this report. These transactions consist of my bank account transactions history.These transactions were provided by the Banks in which I bank with. According to these bank privacy terms and conditions they stated that my information will not be shared with any third party. I am also aware that this is a violation under the privacy act. Early warning is a third party and for my banks to unlawfully give out my personal spend transactions without my written consent or knowledge is a complete violation of my rights as a consumer. XXXX XXXX XXXX XXXX has reported XXXX of my banking transactions, XXXX XXXX  has reported XXXX of my banking transactions, XXXX XXXX is reporting XXXX of my banking transactions and early warning service is reporting XXXX of my banking transactions all together, along with two other banks that I have not currently list. I have provided documents of each transaction.
Product: Credit reporting or other personal consumer reports

I received a notification stating that there was an unauthorized inquiry from XXXXXXXX XXXX  on XXXX. This unauthorized inquiry has affected my Transunion credit score and is hindering me from using my credit. According to 18 USC 1028A this unauthorized inquiry needs to be removed from my Transunion credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX : {$110.00}
Product: Debt collection

They claim that I took out a personal loan in XXXX XXXX XXXX which is incorrect I even called the company who said the loan was taken out in and XXXX. So they're trying to report it on my creditors from XXXX when it was done in XXXX and should be removed from my credit this year but they're trying to lie and say that it wasn't so they can keep it on for another XXXX  years
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not delete a Medical Collection that has been paid to the Original Creditor XXXX XXXX XXXX XXXX XXXX, in which Equifax has been notified and the tradeline disputed numerous times, the Original Creditor has been notified, and the XXXX XXXX has been notified. This is in direct violation of HIPAA as the XXXX XXXX has no need for my information or to be reporting a Collection now that the XXXX XXXX was paid in full. This is now also in violation of the new rule that unpaid XXXX XXXX of less than {$500.00} will not be reported on Credit Reports starting XX/XX/2023. This needs to be deleted immediately and all parties fined and also they need to compensate me for all my time and effort in fighting this tradeline that should have been deleted months and months ago.
Product: Debt collection

Was not given notice my landlord told me she found it on her porch. They are garnishing me for charge offed and closed medical accounts. Take money from every check barley afford my medication
Product: Debt collection

I am writing to formally dispute the XXXX XXXX account XXXX in XXXX in the balance of {$16000.00}. I have never applied for credit nor known of this account and believe it to be erroneous and request it be immediately removed immediately.
Product: Credit reporting or other personal consumer reports

Im writing to notify you that a tradeline on my credit report is not being reported with maximum possible accuracy, which is a direct violation of the Fair Credit Reporting Act.
Product: Student loan

Since student loan repayments started in XXXX, Nelnet has repeatedly failed to process my automatic debit payments the setup for which Ive received email confirmation creating a situation where my credit score could be affected by unpaid, past due payments. Nelnet claims that insufficient funds are the reason the payments havent been processed, but that is not true my account has more than enough to cover these payments.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am urgently filing this complaint against XXXX and XXXX regarding the unauthorized sale of the XXXX XXXX XXXX account to Jefferson Capital Systems , LLC, and the subsequent inaccuracies and challenges Ive faced in disputing this unauthorized transaction. 

Unauthorized Sale of XXXX XXXX XXXX Account : I recently discovered that the XXXX XXXX XXXX account was sold to Jefferson Capital Systems , LLC without any proper notification. This unauthorized sale has significantly impacted my ability to address and dispute the accounts details accurately. 

Continuous Updating of Inaccurate Information : In addition to the unauthorized sale, there has been continuous updating of inaccurate information related to the XXXX XXXX XXXX account on my credit reports. Specifically : The reported last payment was inaccurately stated as XX/XX/XXXX, to XX/XX/XXXX, which is factually incorrect. 
The account status continues to be updated as a charge-off every month, which is inconsistent with the actual account status. 

Dispute Handling Challenges : Despite repeated attempts to dispute these inaccuracies through XXXX and XXXX dispute processes, I have faced significant challenges. The disputes have not resulted in the necessary corrections, and the inaccuracies persist, adversely impacting my credit profile. 

Fair Credit Reporting Act ( FCRA ) Violations : I assert that the unauthorized sale of the XXXX XXXX XXXX account and the continuous updating of false information constitute a violation of the Fair Credit Reporting Act ( FCRA ). These actions have created unnecessary hurdles in my attempts to address and dispute the inaccuracies. 

Immediate Deletion Request : I urgently request the immediate deletion of the inaccuracies related to the XXXX XXXX XXXX account from my credit reports by XXXX and XXXX. The unauthorized sale and continuous updating of false information are causing severe distress and adversely affecting my creditworthiness. Immediate deletion is imperative given the severity of the situation. 

Transparent Dispute Resolution : I urge the CFPB to ensure a transparent and effective dispute resolution process that guarantees accurate reporting and immediate corrections. 

Compliance with FCRA : I request the CFPB to investigate and ensure that XXXX and XXXX comply with the provisions outlined in the Fair Credit Reporting Act. 

The unauthorized sale of the XXXX XXXX XXXX account and the challenges in disputing this information are causing significant distress and negatively impacting my financial well-being. I seek a prompt and comprehensive resolution, including the immediate deletion of the inaccuracies. 

I appreciate the CFPBs urgent attention to this matter and anticipate a thorough investigation and resolution in accordance with regulatory requirements.
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. 

XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXXXXXX has violated my rights. 
XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 

I have also sent NUMBEROUS request for them to update my personal information to the current information sent with my disputes and they haven't done so. This violates [ 15 U.S.C. 1681 ] ( a ) ( 4 ) - States I have the right to privacy.

[ 15 U.S.C. 1681b ] ( a ) ( 2 ) - It also states a consumer reporting agency can not furnish a account without my written instructions [ 15 U.S.C. 1681c ] ( a ) ( 5 ) - 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. 1681s2 ] ( 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.

[ 15 U.S.C. 1681I ] ( a ) ( 1 ) ( 2 ) ( A ) - Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
Product: Checking or savings account

They are allowing people to put my bank account XXXX dollars in the negative. They're also allowing reoccurring charges to my account and I've already spoken to them
Product: Bank account or service

Chase has failed to refund my money, to appropriately investigate claims and have charged me exuberant fees. I 'd like my money back. See the communications below. In addition, they have placed me on extensive holds, drop calls, etc ... This ordeal has been going on for over 6 months. In addition, XXXX is at fault they have been systematically double billing subscription fees and when you attempt to recover they state that they can only go back a month. In addition, it appears that they are scheming on data usage as well. There is no way for the consumer to know whether they are actually getting the amount of data purported. 


XXXX/XXXX/XXXX This letter was faxed to your department twice regarding Chase 's failure to appropriately process this claim, investigate and refund my money reference current claim no. XXXX I would like my funds and associated fees deposited into my account without further delay or I will begin the process of reporting these matters to the Consumer Financial Protection Agency. 

XXXX XXXX XXXX XXXX/XXXX/XXXX Attention : Chase Customer Claims I spoke with XXXX XXXX and they stated that the bank should credit me back for the over charges and to contact the bank again. XXXX XXXX has been double billing my account and there are XXXX additional double billings in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in the amount of XXXX each that you denied. These charges are not authorized. There is an additional {$350.00} in overdraft fees that has not been credited to my account as promised. The claim for {$75.00} filed for XXXX/XXXX/XXXX has not been processed. I would like these funds credit to my account totaling {$620.00} today XXXX/XXXX/XXXX without any further delay. 

Thank you, XXXX XXXX XXXX Account Ending XXXX
Product: Credit card or prepaid card

Bank of America has not been processing my credit card payments. 

It has been giving me no indication of why this is and hasn't helped when i have called them about it. 

I had contacted XXXX about this issue and they say it is not on their end. Bank of America just declines and doesn't even inform me. 

This has caused me to incur rampant interest charges and ruined my credit with one of my credit cards that I had assumed was paid off by Bank of America.
Product: Debt collection

On XXXX/XXXX/XXXX Target the account was transfer/Sold to XXXX XXXX Debt Collector. XXXX XXXX tried for a year to collect on a Debt I was in disagreement about the amount. XXXX XXXX was not able to come up with documentation on how I owed XXXX. I was told by FTC that they must produce documentation on this debt I owe. I call Target and they was not able to give information on debt. The XXXX creditors took this debt off my credit report. On XXXX/XXXX/XXXX a default judgment was place against me and on XXXX/XXXX/XXXX I went to court about XXXX XXXX XXXX garnish my bank account. The judge place a judgment against XXXX XXXX for the debt and to immediately release all withheld funds to plaintiff and shall continue withholding and payment of funds as previously order by the court. On Transunion Credit report the Target the date it was open was on XXXX/XXXX/XXXX, date of last payment was supposedly been XX/XX/XXXX, the last payment was XX/XX/XXXX, I had a credit limited of XXXX my argument with the XXXX creditors was how could I charge XXXX in 7 months. Target was not able to produce any information so the credit companies took it off my file. XXXX XXXX buys the debt from XXXX XXXX. XXXX XXXX files a Summon and Complaint against me on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX the summons expires. I find out about this lawsuit on XXXX and was not able to go present my side because I was not properly served by the officer of the court. I went in and put in a motion to set aside the default judgment and the judge denied giving me another court date. I done my research and XXXX XXXX XXXX is the subsidiaries of XXXX XXXX XXXX , XXXX who was sued for fraudulent behavior and my intuitive spirit keep telling me the paper work XXXX XXXX XXXX paper work that was given to me is not correct because the target account number is blot out with a black marker and the XXXX XXXX XXXX XXXX is blot out with a black marker and that seem unprofessional and suspicious to me. And the affidavit do n't state how they came up with the amount I owe on this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am notifying you that the dates below that I did not authorize any individual from any of the listed company to pull or review my consumer report. I have not given XXXX, XXXX, Experian permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Unless you produce any proof or evidence that support your claim or show you were right in your decision to furnish this information. Please remove the inquiries from my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a credit alert from XXXX on my credit file from this creditor. I do not know this credit or what is the debt is for. Creditor did not send me a letter notifying me of this debt nor provide my a right to dispute.
Product: Credit reporting

I need your help in getting these incorrect name spelling removed from my credit file : XXXX, XXXX, XXXX.