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

I am writing because I pulled my Experian credit report and found some major inaccuracies being reported. I want to dispute the accuracy of an alleged charge-off account reported by XXXX XXXX on my credit profile. As the information reported is inaccurate, incomplete, and unverifiable, I request your immediate attention in conducting an investigation under your obligations per the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The reporting of this account reflects several inaccuracies and discrepancies : 1. Conflicting Reporting Details : The information provided by XXXX XXXX is inconsistent across all three bureaus regarding the balance, status, and payment history. This violates the FCRAs requirement that furnishers report accurate and complete information. 
2. Unverifiable Information : I have requested validation of this account directly from XXXX XXXX, and they have not provided the required documentation to substantiate the alleged debt. 
3. Potential FCRA Violations : o Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain procedures to ensure the maximum possible accuracy of information reported. Reporting discrepancies like these fails to meet that standard.

o Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to investigate disputed information upon notification.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against PRO COLLECT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police  report 3. informed the state of Texas
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this account in full XXXX on XX/XX/2023 and the account is not showing paid in full of XXXX or closed. The account also said it was a partial payment which it wasnt. Ive put in multiple disputes, called the collector and the credit bureaus but nothing has happened nor a response to this issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft due to a recent data breach. As a result, an unauthorized account has been fraudulently opened in my name without my knowledge or consent. In accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the immediate blocking and deletion of the following account from my credit report : Fraudulent Account : XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/year> o Balance : {$1200.00}
Product: Credit reporting or other personal consumer reports

I am so sick and tired of the credit bureau XXXX  with my credit score .My credit cards are payed in full every month and my credit score keeps dropping someone please explain how this can happen. Talk about these companies being fraudulent I need help to stop them from running my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not properly investigate my XXXX XXXX. I still showing as late. I was never late. 

Experian did not properly investigate my XXXX  XXXX  account. It is showing as closed and still showing on my report and duplicate account. 

Experian did not properly investigate my XXXX XXXX XXXX XXXX. It is showing closed and still on my report. 

Experian did not properly investigate my XXXX XXXX account. It is showing as closed and still showing on my report. 

Experian did not properly investigate my XXXX account. It is showing as closed and still showing on my report. 

Experian did not properly investigate my XXXX XXXX account. It is showing as closed and still showing on my report. 

Experian did not Properly investigate my XXXX XXXX XXXX XXXX account. It is showing as closed and still showing on my report. 

Experian did not properly investigate my XXXX XXXX account. It is showing as closed and still showing up on my report. 

Experian did not properly investigate my XXXX XXXX  account. I never had this account. 
Experian did not Properly investigate my Chapter XXXX account. I never had a Chapter XXXX account.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX are in violation is my consumer right by reporting these fraudulent account on my credit report. Below are the fraudulent account information : XXXX XXXX XXXX ( {$21000.00} ), XXXX XXXX ( {$25000.00} ). I need these account removed from my credit report as soon as possible.
Product: Checking or savings account

I contacted Bank of America regarding a monthly fee charged to my account for Privacy Assist in the amount of {$12.00}. I assumed I had subscribed to this service but when I tried to cancel it, I found there was no way to cancel the service. When I called Bank Of America the representative I spoke with said that I should not be charged for that service even if I had been signed up, She indicated that it was an XXXX and there was no way to cancel the service. She offered to block further charges. The XXXX was setup by Bank of America. She offered to dispute the most recent 3 monthly charges. I opened a case with the XXXX XXXX XXXX XXXXXXXX. The Bank of America call me twice and left voicemail. I have been unable to discuss the issue with them further, They refunded the XXXX disputed charges and the XXXX XXXX XXXX  closed the case without my agreement. There are still XXXX  monthly charges left to be refunded dating back to when Bank of America lost he class action suite regarding privacy assist. By my calculation they charged me {$2200.00} since losing the suite that has still not been refunded. This does not include interest or charges occurring before the class action that was settled XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote three credit bureaus, XXXX, XXXX and TransUnion. I sent my disputes certified mail. None of these companies have responded.
Product: Checking or savings account

I went to XXXX from XX/XX/2018 - XX/XX/2018 and while there my debit card was used without my authorization for 5-6 days. I didn't realize my debit card was missing or that transaction had taken place until after my return to the US. I went to XXXX to have 2 medical procedures, a XXXX XXXX followed by a XXXX XXXX a week later. I had some medical treatments after. I was under very strong pain killers and sedatives for several weeks. 
A claim for almost {$2000.00} worth of unauthorized charges is being denied by TD Bank. TD Bank is claiming there was no fraud simply because the transactions occurred while I was in XXXX, the debit card was not used after I left XXXX and no report was filed. I believe it is important to know that I had limited movement due to the XXXX   and drugs I was under and had nurses 24 hours a day ( on 12 hour shifts ) during my entire stay, as well as cleaning service that came daily to clean and cook. I don't personally know any of them and while I would like to think that none would steal from a patient/client, they all knew the length of my stay and had access to my belongings. A police report was not filed because I didn't realize the card was missing until my return to the US. I was on bed rest upon my return to the US due to partly to normal recovery XXXX XXXX and then extended because of complications caused by an XXXX. 
I filed a claim with the bank on XX/XX/XXXX and the first time the debit card was used without my authorization was XX/XX/XXXX. 
I have had a very tough few months with health complications and with an obnoxious amount of debt as a result of medical procedures and having to take time off. I am battling XXXX and while everybody has their problems I filed the claim within reasonable time. I believe the reasons TD bank is claiming to deny the claim are unacceptable. 
It may be relevant to note that I deposit on this bank account an average of {$10000.00} every month and filing a fraudulent claim for 1/5 of my monthly deposits makes no sense. 
I urge you to look into this and help me get my money back. 
Thank you! 
XXXX XXXX
Product: Checking or savings account

On XX/XX/2018, I deposited {$520.00} in an ATM in XXXX, IL. The machine took the money and displayed on the screen " I'm sorry. Because of technical problems, I can't accept or return cash right now. '' I called the number on the receipt the machine printed and was told I'd have to wait up to 10 business days while the incident was investigated, which is ridiculously longer than the immediate credit that is given on the past numerous occasions when the machines would malfunction.

I call on the 11th business day and am then told that i have to wait 45 days until they figure out what's happening. In the meantime, I suppose checks and automatic deductions to my business account have to bounce, as they refuse to credit the account while they get around to looking into the incident.
Product: Credit reporting

ON APPROXIMATELY XXXX/XXXX/XXXX I REQUESTED, THAT THE TRANS UNION CREDIT REPORTING BUREAU. COMMENSE AN INVESTIGATION, OF WHY MY THEN XXXX XXXX AND LATER. XXXX, ACTIVITY HAD NOT BEEN REPORTED BY THEM IN MY RECORDS. BY TRANS UNION CREDIT REPORTING BUREAU, SINCE XXXX/XXXX/XXXX. WHICH RESULTED IN MY TRANS UNION CREDIT BUREAU FICO SCORE BEING REDUCED BY APPROXIMATELY XXXX TO XXXX POINTS. OVER THE LAST EIGHT MONTHS, BY TRANS UNION. WHO, ONE OF THEIR AGENTS ALLEGED TO ME, VERBALLY VIA MY PHONE CALL TO TRANS UNION. THAT TRANS UNION CLAIMED TO HAVE LAUNCHED AN INVESTINGATION. THAT I REQUESTED OF THEM, TO ASCERTAIN WHY? MY XXXX REPORTS TO THEM HAD STOPPED SINCE XXXX/XXXX/XXXX TO TODAY XXXX/XXXX/XXXX AND COUNTING. THE TRANS UNION AGENT I SPOKE TO DURING THE MONTH OF XXXX XXXX. ALLEGED THAT TRANS UNION HAD TRIED TO CONTACT XXXX FOR UP TO 30 DAYS DURING THE MONTH OF XXXX XXXX TO NO AVAIL E.G., TRANS UNION ALLEGED THAT XXXX NEVER RESPONDED. DURING THEIR ALLEGED 30 DAYS OF TRYING TO CONTACT XXXX. HENCE, TRANS UNION ALLEGED THAT AS A RESULT OF XXXX RESPONDING TO ANY OF THEIR ALLEGED COMMINIQUES? THAT TRANS UNION WAS BY THEIR POLICY, HAD TO COMPLETELY DELETE MY XXXX AND LATER XXXX CREDIT ACTIVITY ACCOUNT. THE TRANS UNION AGENT WHO CONVEYED THIS IMFORMATION TO ME VIA MY PHONE CALL OF COMPLAINT TO THEM. I ASKED TO SEND ME ALL OF HIS ASSERTIONS. IN A LETTER DOCUMENTING ALL OF WHAT TRANS UNION ALLEGEDLY DONE? DURING THE INVESTIGATION, I ASKED THEM TO ACTIVATE ON MY BEHALF. AGAINST XXXX AND XXXX. FURTHERMORE, THE TRANS UNION AGENT IN QUESTION, SUGGESTED THAT I CONTACT XXXX AND ASKED THEM TO START. THEIR OWN INVESTIGATION ON MY COMPLAINTS. WHICH I DID, BUT XXXX HAS GIVEN ME. THE RUN AROUND, THEY 'VE BEEN DECEIPTFUL, MISLEADING, THEY 'VE IGNORED ME, AND BASICALLY HAVE ABANDONED ME. NOW, I STILL WANT TO SEE MY TRANS UNION RECORDS. TO SEE, IF IN FACT THEY DID LAUNCH AN INVESTIGATION ON XXXX? AND IF WHAT THE TRANS UNION AGENT TOLD ME ABOUT THEIR ALLEGATIONS. OF XXXX NOT RESPONDING TO THEIR TRANS UNION ALLEGED INVESTINGATION IS TRUE OR NOT? AFTER ALL, TRANS UNION NEVER, GAVE ME THE COURTESY OF A DETAILED LETTER. VERIFYING THEIR CLAIMS OF THE INVESTINGATION. I REQUESTED OF THEM TO FIND OUT WHY MY TRANS UNOIN CREDIT FICO SCORE. HAD DROPPED BY XXXX, XXXX, XXXX, XXXX POINTS OVER THE LAST SEVEN ALMOST EIGHT MONTHS? AND WHO WAS RESPONSIBLE FOR THE NON-REPORTING OF MY XXXX CREDIT ACTIVITY? WAS IT TRANS UNIONS FAULT OR XXXX FAULT? AND IF IN FACT THIS MATTER, IS TRANS UNIONS FAULT? I WANT THEM TO ISSUE ME AN APOLOGY, PLACE IN MY RECORDS THIS GRAVE ERROR OF THEIRS, AND RESTART TO CORRECTLY LIST MY CREDIT REPORTS CONSISTANTLY, AND ACCURATELY AGAIN IMMEDIATELY. AND TO SEND ME ALL OF THE DETAILED DOCUMENTATION OF THESE MATTERS, VIA U.S.P.S.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX Dear Equifax This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XX/XX/XXXX Made with : Equifax Made by : XXXX Made on : XX/XX/XXXX Made with : Equifax Made by : XXXX  Made on : XX/XX/XXXX Made with : Equifax Made by : XXXX Made on : XX/XX/XXXX Made with : Equifax Made by : XXXX Made on : XX/XX/XXXX Made with : Equifax Made by : PXXXX Made on : XX/XX/XXXX Made with : Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

Doing to the fact of ongoing disputes to these companies I am seeking compensation of {$2000.00} for each company due to the violations of my rights which their violated 15 USC 1681 A, and violation of 15 USC 1681 B2 I am seeking documentation in regards of my consent to these companies they are furnishing my credit report without written consent from me they should remove every inquiry off my credit report without documentation of my consent, it states in 15 USC 1681 B2 they have to have written consent from me to furnish my credit report and I didn't give no consent to none of them 15 USC 1681A, accuracy My credit report is not accurate at all due to these companies that do not have my consent to furnish my credit report, this is not my first time disputing this I believe that they aren't not doing the investigation like they should they are not reading the codes they are just verifying the debt which I am not trying to verify the debt I am disputing the accuracy that is on my credit report and the consent
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I uploaded a dispute letter to Experian on their online portal requesting an investigation into inaccurate items on my credit report, as well as incorrect personal information. I took care to include a copy of my photo ID, social security card, and recent bill with my current address to assist Experian in verifying my identity and address. 

However, I did not receive a response from Experian with the investigation results. According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It is evident that Experian failed to fulfill this obligation by not conducting a reasonable investigation upon receipt of my dispute.
Product: Checking or savings account

US bank account was opened and funded on XXXX XXXX, XXXX to fulfill the promotion for the XXXX promotion but incentive has not posted yet. XXXX bill payments were made on XXXX XXXX and XXXX XXXX, XXXX. It has been more than XXXX months but no sign of the bonus.
Product: Debt collection

I was injured at work on XX/XX/2017 and went to the hospital. They billed me 6 times, I kept telling them it was workmans comp claim. Talked to XXXX the insurance company they first said they paid it then I got another bill. They then said it was the hospitals fault cause they didn't fill out the correct paperwork. They wouldn't help me get this resolved. I have been calling XXXX and they will not return my phone calls. I then filled out a form for the department of workforce development workers compensation division. No one has gotten back to me. I leave message and no return call. Collections wants me to pay, and get the money back from the insurance company. I told them that if they won't return my calls how am I gon na get my money back. It is on my credit report and I am only XXXX and trying to build up good credit. It's been a year and a half of calling and being ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX AV XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$9900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I bank at Hancock Whitney bank and since I opened my account money has been taken out every transaction. Ex. If i had {$10.00} in the bank and I purchased something for {$5.00} my remainder would be {$3.00}. On all my transactions and I spoke to them but they did not see the problem. I have the information on my phone app. I need help with setting up an appointment with someone who will help me resolve the amount being taken and what to do to handle this properly.
Product: Debt collection

I am writing to file a formal complaint against Amsher Collection Services , Inc. for their alleged violations of the Fair Debt Collection Practices Act ( FDCPA ). I believe that their actions have infringed upon my rights as a consumer, and I am seeking your assistance in resolving this matter.

Firstly, I would like to bring to your attention the fact that Amsher Collection Services , Inc. has been attempting to collect a debt from me that should have been returned to the original creditor, Charter Communications, LLC. As per the FDCPA, it is illegal for a collection agency to pursue a debtor without a written agreement [ 4 ]. I have not entered into any written agreement with Amsher Collection Services , Inc., and therefore, I believe that they are in violation of this provision.

Furthermore, I have requested documentation from Amsher Collection Services , Inc. to validate the legitimacy of this debt, as is my right under the FDCPA [ 3 ]. However, despite multiple requests, they have failed to provide me with the necessary documentation supporting their claim. This lack of response raises concerns about the accuracy and validity of the debt they are attempting to collect.

In addition to the above, I would like to highlight that Amsher Collection Services , Inc. has failed to respond to my dispute letters within the time frame required by the Fair Credit Reporting Act ( FCRA ) [ 2 ]. Their failure to address my concerns and provide a satisfactory resolution is a clear violation of the FCRA.

Based on the aforementioned violations, I kindly request that the CFPB thoroughly investigate the conduct of Amsher Collection Services , Inc. and take appropriate action to ensure that my rights as a consumer are protected. I believe that their actions have caused undue stress and harassment, and I am seeking appropriate remedies for the damages I have suffered.

In conclusion, I urge the CFPB to take swift and decisive action against Amsher Collection Services , Inc. for their violations of the FDCPA. I request that you hold them accountable for their actions, and that you work towards a fair resolution of this matter.

Thank you for your attention to this complaint. I look forward to your prompt response and the resolution of this issue.
Product: Debt collection

frequent harassing phone calls at all times with unknown number at inconvenient times and days. 

I have sent them a letter to cease and desist all communication to me and to any 3rd parties agencies not authorized by me in writing pursuant to FDCPA 15 U.S.C 1692c ( b ) ( c ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reporting of payments and balance from the XXXX XXXX XXXX with XXXX, Equifax and XXXX multiple times and nothing was done to correct the issue. The investigation was not completed correctly and the information was not verified.