23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I mailed my cease and desist letter to the collection agency who is responsible for this debt. I was very clear that they should cease and desist all communications with me in regards to this debt. My XXXX certified tracking number is XXXX in which was delivered and signed for on XX/XX/2023. But even though they received my letter and signed for it. They still have been trying to contact me through my consumer report as well as continuing to send me letters in the mail about this debt. Under section 805 ( c ) of the FDCPA states that if a consumer notifies a debt collector in writing that they wish the debt collector to cease further communication with them. The debt collector must not communicate further with that consumer. So why are they still trying to communicate to me through my consumer reports about this debt that I already written to them to cease all collection and communication with me. As well as section 807 ( 4 ) which prohibits a debt collector from continuing to communicate with the consumer, except to notify the consumer that the debt collector further attempts are being terminated.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Unverifiable and XXXX XXXX XXXX Dear XXXX Department, I am writing to formally dispute the accuracy and validity of several items currently reported on my credit file. Despite previous disputes, these items continue to be reported without verification or legitimate evidence supporting their accuracy. The continued presence of such items is unwarranted and violates federal law. The specific accounts in question are : 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 DELETE Legal Violations The reporting of these items constitutes multiple violations of the Fair Credit Reporting Act ( FCRA XXXX and related laws, including but not limited to : 15 U.S.C. 1681c-2 : Block of Information Resulting from Identity Theft.

15 U.S.C. 1681e ( b ) : Compliance Procedures.

15 U.S.C. 1681i ( 5 ) : Reinvestigations of Disputed Information.

15 U.S.C. 1681b ( 2 ) and 15 U.S.C. 1681s-2 ( F ) ( I ) : Unauthorized Reporting.

15 U.S.C. 1681n : Civil Liability for Willful Noncompliance.

15 U.S.C. 1681 Section 602 : Right to Privacy.

Required Action Pursuant to 15 U.S.C. 1681c-2 ( a ), you are required to block the reporting of these accounts immediately upon receipt of this letter, along with appropriate documentation already provided. You are obligated to take the following actions within XXXX ( XXXX ) business days : Cease all reporting of the disputed accounts. 

Provide written confirmation that these items have been removed from my credit file. 

Failure to comply with this request will leave me no choice but to escalate this matter, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing litigation for damages caused by your noncompliance. I reserve the right to seek compensation for financial harm, emotional distress, and attorney fees incurred as a result of your violations. 

I trust you will handle this matter with the urgency and seriousness it deserves. Please send your response and confirmation of the resolution to the contact information listed above. 

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

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX. XXXX XXXX XXXX XXXX  XXXX j : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX & XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXXXXXX XXXX XXXXXXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me they put an account that doesnt belong to me
Product: Credit reporting or other personal consumer reports

Unauthorized items on my credit report have appeared due to the fraudulent use of my personal information, and I have never benefited from these transactions in any way. Recognizing the gravity of this issue, I promptly filed a report with the Federal Trade Commission in hopes of resolving the matter. However, despite taking the necessary steps and reporting this fraudulent activity, these items persist on my credit report. 
This situation has become deeply frustrating, as I continue to bear the consequences of someone elses misuse of my information. I am urgently requesting the removal of these fraudulent entries from my credit report. It is unacceptable that these unauthorized items remain, negatively impacting my financial standing.
Product: Debt collection

{$520.00} credit card has been paid off to capital one on XX/XX/year>
Product: Money transfers

Out of necessity I used Money Gram money transfer service to send money international, I pay the fee service required to send money with the promise that will only take 5-15 minutes to be available for the recipient to claimed. It has been more than 10 days and my money does not reflect as being deposit. For the last two weeks I have contact MoneyGram to find out the status of my transfer, which every time I have contact I have been informed that my money is ready and available to be claim, when my recipient tries to claim the money it does not appear available. I have asked MoneyGram for a clear answer, however MoneyGram has not been able to provide me with a clear response as to where my money is or what happened. I requested for my money to be reimburse immediately, I was informed today that it will take 10 days in order for me to get my money back, which is something that does not reflect in their policy. I am a hard working individual, and if used the system is out of necessity, I do not want others to go to the same struggle I am going through. It is not acceptable for MoneyGram to lied about their service, it has cause many troubles with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

It saddens me that I have account ( s ) on my credit report that are illegally being reported hence withholding me from seeking new lines of credit. Experian, XXXX, XXXX and the original creditors are BREAKING THE LAW. I have disputed these alleged accounts with Experian, XXXX XXXX on -- -- -- -- -. The account ( s ) from XXXX XXXX with the account number ( s ) XXXX & XXXX.The account from XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) with the account number XXXX which is reporting on my Experian and XXXX need to be removed. Experian, XXXX, & XXXX are in violation of 15 U.S. Code 1681b which states in subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX, never gave Experian, XXXX, or XXXX any written consent to report anything on my consumer report. No consent is in fact identity theft. Additionally, they are also in violation of another code. They are also violating18 U.S. Code 1028A : Aggravated Identity Theft which states ( a ) Offenses Pursuant to subsection ( a ) Whoever, during and in relation to any felony violation, knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. The law states that whoever knowingly transfers, or uses, without authority, a means of identification of someone shall, in addition to the penalties for such general felony, will be sentenced to imprisonment of 2 years, or 5 years for terrorism. Hence, I, XXXX XXXX, never gave Experian, XXXX, or XXXX any written consent to transfer, or use, without authority, a means of my identification. No consent is indeed identity theft. I demand to see a affidavit singed by a, Experian, XXXX, or XXXX supervisor or executive detailing where I gave them written consent to transfer my identification!!!! You have violated U.S. Code 1028A. I have tried endlessly to remove these accounts with the credit bureau and creditor they have failed to remove the information they illegally furnished. Sadly, I will have no choice but to stop extending my credit report to anyone if this can not be resolved. I know my rights.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consurmer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Based on the above Capital One is not complying due to reporting inaccurate information to all 3 Credit Reporting Agencies. They have different open dates, credit limits, date last active and last payment dates.

15 USC 1681 section 604 section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent.
Product: Debt collection

XXXX stated I had renewed a contract and terminated early. I did not renew any contract because I did not want to upgrade my phones since I'd be switching to XXXX, who was my employer. 
I have asked XXXX repeatedly for the signed contract but they said they don't have it. Instead they sent me a copy of the bill. Convergent Outsourcing stated XXXX did not give them proof of signed contract, they too only have a bill.
Product: Money transfer, virtual currency, or money service

I had a few transactions I cant never get my money back
Product: Checking or savings account

On Tuesday XX/XX/XXXX, I went into a Bank of America Location requesting to cash a check. Based on the Bank of America policy, account holders are able to go into a branch and cash a check. According to the teller, I was not eligible to cash the check due to the amount being over {$10000.00}, despite me asking for proof of that policy and informing the teller it was my understanding that It was ultimately at the discretion of the manager, I was told there was no way I could access the funds that day, nor would ANY of the funds be made available that day. The teller informed me that despite not being able to cash my check, the funds would be available the next morning, telling me repeatedly that no hold would be placed on my check ( at least 3 times, guaranteed I could come into the branch and retrieve my funds ). I spoke to another banker at the location and asked them to please inform me of the bank 's policy on cashing checks, that banker refused to inform me of the banks policy and instead told me they don't cash checks over $ XXXX, which I know to be a lie. The next day, I checked my bank account to find out that a Hold had been placed on my check until XX/XX/XXXX, despite my insistence on needing the funds and being assured without a doubt the funds would be available the next day. At this point, no portion of the check was made available to me, when I could have taken the check to the bank who issued it to get it cashed. I contacted customer service on Wednesday XX/XX/XXXX around XXXX and requested information regarding the bank 's policy on check cashing, again they refused to provide me with that information and proceeded to blame the branch for providing me incorrect information. I asked for my options as this has put me in a terrible situation, given the fact I was requesting to cash the check initially for a reason. Not only have I been deceived, they have not released any portion of the funds ( I believe legally they are required to release XXXX at minimum ) and they expect me to wait until XX/XX/XXXX for funds that were guaranteed to be available Wednesday. I have now lost a potentially lucrative business opportunity and I was told the only option I have is to contact the issuing bank, request a stop payment and wait for them to reissue the check. As a young XXXXAmerican, it is a shame to almost expect a bank to treat you this way, moreover I am disgusted by the fact not a single employee was willing to inform me of what the bank 's standard policy is for cashing checks. I attempted to contact the branch, though no one was answering the phone. How can you be expected to trust a financial institution who lies, withholds information and does not abide by the rules and regulations of their industry? This situation has caused me irreparable damage as I may never have an opportunity like the one lost due to this banks actions.
Product: Credit reporting or other personal consumer reports

I have attached an FTC Report because recently checking my credit report I believe that I've been a victim of identity theft and found numerous accounts of which I have no knowledge of. I conrm that these accounts were made without my authorization. I request that the following accounts be removed from my credit report immediately
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 or other personal consumer reports

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 These inquiries violate 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Please remove it immediately, i did not consent in written or verbal form to these inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this debt online with the credit bureau and requesting validation of this account. Company failed to respond or send any proof of validation. I have no contract with the agency. This is the second time this debt has showed up on my credit report under a new collection agency. I have not been notified and will be referring this to an FDCPA attorney for review.
Product: Credit reporting or other personal consumer reports

XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Response to dipute DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following Personal Information on your credit file. Below includes the actions taken : Address updated You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. US DEPT OF EDUCATION VERIFIED AS REPORTED US DEPT OF EDUCATION VERIFIED AS REPORTED US DEPT OF EDUCATION VERIFIED AS REPORTED DEPT OF ED / XXXX VERIFIED AS REPORTED DEPT OF ED / XXXX VERIFIED AS REPORTED DEPT OF ED / XXXX VERIFIED AS REPORTED Maintenance was performed on the following accounts and/or public records. DEPT OF ED / XXXX DELETED US DEPT OF EDUCATION DELETED FAIR COLLECTIONS AND OUT DELETED Dear Sir or Madam : This is not a dispute. I am a victim of Identity theft. Please do not act in violation of the FCRA 605b. As the consumer I have done my part in reporting this to all necessary authorities including the FTC & Local Police ( Reports are included in this package ). My signature on the FTC & Police reports serve as my sworn statement. 

The information listed below appears on my credit report, but I did not make or approve of these transactions. 


I did not authorize the following inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following accounts are a result of Identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$1800.00} XXXX {$1800.00} XXXX - {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX History : XX/XX/XXXX ; XXXX ORIGINAL CREDITOR : XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to also promptly notify the businesses that sent you that information I have enclosed a copy of my credit report and circled the fraudulent items on the report. I have also enclosed a copy of my Identity Theft Report, a copy of my Police report and proof of my identity. I appreciate your prompt attention to this matter. 

My Phone : XXXX ( Please include on fraud alert ) Please send me a letter after you have blocked the information from my credit report and sent notice to the businesses involved. 

XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last time I checked, companies are supposed to inform me before putting negative information on my credit report. Besides the fact that I have no idea who the company below is, this company has just put stuff on my credit report without even warning me about it.I ask that get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for.. Delete 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: Debt collection

To all this may concern, This complaint is to identify fraud that has occurred with XXXX and Fortiva. 
On XX/XX/2023 at XXXX XXXX eastern I was notified by XXXX that my credit score dropped XXXX points. I immediately started investigating my report. To my surprise I saw that a company named Fortiva reported that I was delinquent in payments for over XXXX  days. I was shocked to see this for XXXX main reasons, I have never taken out a line of credit with Fortiva and I didnt know they have been withdrawing money for my bank account for over a year. At XXXX XXXX  eastern I reached out to the Fortiva company and asked them why were they reporting this account to my credit report. A representative by the name of XXXX stated that a company called XXXX financed their XXXX XXXX XXXX through Fortiva and thats how I became their customer. I explained to them that I never agreed to open a line of credit with them and this had to be fraudulent. I demanded that they present me with the original loan documents so that I can see what was going on. The Fortiva representative demanded that I paid what was owed in order to transfer me to customer service. Under duress I paid XXXX dollars and the Fortiva agent thanked me for my payment and told me unfortunately since the account is closed I can not get the documents. They essentially scammed me for this transaction. The Fortiva agent then told me to call XXXX because this will be the company that has the XXXX and all documents to send me. I immediately hung up the phone and called XXXX. The agent at XXXX explained that she couldnt find any information that describe or show my authorization to open up a line of credit with Fortiva. The agent at XXXX sent me a purchase agreement that I will attach to this complaint. The purchase agreement that XXXX gave me has absolutely nothing on it that says I am financing equipment through Fortiva. The XXXX agent kept apologizing and said she will transfer me to the fraud department but after holding for XXXX minutes she told me no one can talk to me and that the only document she has was the one I will attach to this complaint.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C & 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C & 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation.