23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ALLIED INTERSTATE LL ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ALLIED INTERSTATE LL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ALLIED INTERSTATE LL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Checking or savings account

Have been trying to access my accounts online since XXXX XXXX XXXX-XXXX-19. Its now after XXXX XXXX. Still can not pay bills- transfer funds or check credit card transactions. Called Wells FArgo. System failure. No kidding! Since when can a USA bank just keep your information from you and not allow you to make payments- transfer funds or conduct banking? Wells Fargo is the worst. have all my savings, checking and business accounts with them. Please help this consumer. 
Just learned that debit card transactions are being declined. Are my funds frozen?
Product: Money transfer, virtual currency, or money service

A fraudulent wire transfer had occurred on XX/XX/2021 of {$60000.00} to a recipient that I do not know in XXXX, Florida. I can provide more information upon request. I did NOT authorize this wire transfer nor do I know the recipient. I believe that my online banking account has been compromised and that money was wired from my account without my knowledge. I was first notified by my father of the fraudulent wire transfer and immediately contacted Chase Fraud Claims to stop the wire transfer and to try and freeze my account. Claim REF # XXXX. The next morning, I went to my local Chase bank to fill and submit the requested Forgery Packet for my claim. I was told by the bank teller that there was still ongoing activity of a {$20000.00} money transfer from a family joint account and an attempt to wire another {$30000.00} from my personal account of which was blocked due to the account being frozen. I called Chase Fraud Claims again to notify them of the unauthorized transfer I have since changed all my online banking information and filed a police report with XXXX XXXX Police ( Report # XXXX ) in hopes to stop all activity and protect my identity. The fraudulent wire transfer needs to be reversed as it was NOT authorized and should have been flagged due to limits on the account. I have never wired money from this account and this is an act of wire fraud. I have followed all instructions and cooperated with Chase by filing an affidavit, notary, and police report to progress the investigation. Each notice that was sent to me, I always contacted Chase in a prompt and timely manner. This was after I called several times to follow up, but they would never update me. After finally getting an update, Chase deemed that the " wire recall '' was unsuccessful, and that they can not get my money back. They have tried this attempt a few times. This should have been done the day of, not several weeks after the fradulent transfer. I never received a temporary credit to my account while this investigation was ongoing. I was told by Chase that this would be resolved in 5 business days, yet I was never updated at all. Please feel free to reach out if you need any further information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I filed a dispute on lvnv funding llc due to. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 

They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting house. XXXX violated my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX. XXXX, XXXX Account # 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 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt or credit management

I am a victim of Lexington Law firm and XXXX XXXX. I was contacted via phone, email and text messages as they marketed their services. I also paid full price for services in the aspect of getting my credit repaired with the services they offered. And I was told if I was to inform others to join it would be at a discounted rated in which my son was also a client. I now see that they are in the news for the practices they offered and the fees for which we paid. I would like to file a common behalf of myself and my XXXX  for which its my account that the funds were retained from. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX  reporting false information after dispute filed by my self and XXXX XXXX, all documents sent for proof of false information filed of bankruptcys
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting these inaccurate accounts on my credit report. The accounts reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following accounts on the credit report are incorrect and need to be corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent a letter to Security Credit Services that they validate NOT verify a debt they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with an unsigned agremeent which does not prove that I am obligated to pay them anything. They have reported unvalidated and deliquent information to the credit bureaus and I am asking that this account be deleted from all 3 of my credit bureau reports.
Product: Credit card or prepaid card

I have submitted a dispute to Citibank about a charge of XXXX $ charged to my credit card on XX/XX/XXXX, but Citibank refused to investigate my dispute, they also refuse to credit my account for this charge. they also refuse to discuss this dispute. 
they have raically abused me over the phone, they called me " XXXX XXXX  XXXX '' on XX/XX/XXXX around XXXX pm over the phone. 

The actions of citibank violate federal fair credit act, and I ask that Consumer Financial Protection Bureau take action against citibank to santion them for racism and violation of federal Fair Credit Act.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX : A creditor XXXX not treat payment on a credit card account under XXXXXXXX open end consumer credit plan as late for ar purpose.
Product: Credit card or prepaid card

I have several different credit cards with Comenity. EVERY TIME I try to pay online on any of the accounts it will not let me sign in. It used to work fine then recently it started telling me my user name or password was wrong. I tried changing it and still got the error. Its only my comenity accounts. XXXX says lots of users are experiencing this but they havent fixed it in over a year. This is how I make my payments so it causes me to be late because I have to actually call and input all the information to make a payment and its very inconvenient. There is some sort of glitch in their system that they need to fix and theyre making money from late fees off of this glitch. This is not right! I should be able to easily log on and make my payments.
Product: Credit reporting or other personal consumer reports

I recently reviewed my Experian consumer profile and found a hard inquiry from a " non-account '' holding creditor named XXXX XXXX on XX/XX/year>. I did not give permissable purpose thru verbal or signed written consent to view my consumer profile. This may be a case of predatory tactics used by some auto dealers without the consumers authorization. My biggest issue is XXXX XXXX viewed my XXXX XXXX consumer profile while it is under a " Security Freeze '' and furnished data to my Experian profile. XXXX XXXX violated my consumer privacy rights by allowing XXXX XXXX to view my consumer profile as shown in the disclosure of data furnishers sent to me by XXXX XXXX. I contacted the Experian consumer reporting agency to dispute and delete the unauthorized hard inquiry but with no resolve from Experian. This unauthorized inquiry is suppressing my ability to obtain credit and is affecting my mode of living.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer I actually have protection under the law that is delivered for me to keep me from misinformation simply being declared on my credit report. At this moment I would like to have a final request for analysis before I talk with my own legal counsel to get information on how to handle incorrect and also unverifiable items that are on-going to be approved as real. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$400.00} XXXX  XXXX XXXX Balance Owed : {$42.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$88.00} XXXX  XXXX Balance Owed : {$1600.00}
Product: Debt collection

I was never contacted by XXXX XXXX in XXXX, XXXX about any alleged debts owed. XXXX then sold said alleged debt to Hunter Warfield collection, ( XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ) who has no licenses to collect debt in the state of Oklahoma. This is in violation of my rights and consumer law. I want this collection account removed IMMEDIATELY from my XXXX, XXXX, and XXXX credit reports. 

Thank you
Product: Credit card or prepaid card

Synchrony bank reported my card lost or stolen it never was and I never said it was you can not understand anyone they put on phone and they XXXX me on intrest I 'm holding the card right now I 'm sick of waiting for a new card I just want to talk to someone I can understand
Product: Debt collection

On XX/XX/XXXX a letter was sent to XXXX XXXX asking for verification of debt, delivered and signed for on XX/XX/XXXX. A second letter requesting verification of debt was sent on XX/XX/XXXX delivered and signed for on XX/XX/XXXX. On XX/XX/XXXX a Summons [ VIOLATION : FDCPA Section 809 ( b ),  FTC opinion letter Cass from XXXX ] was filed regarding this debt which should have been placed as disputed, I signed for this Summons on XX/XX/XXXX. The verification of this debt had not been received by the date of signing and still to this day. In the Summons, Exhibit A ; The Bill of Sale is stating the Agreement was made dated XX/XX/XXXX and Closing Date XX/XX/XXXX, however the Amounts Due have been removed from this document and was signed in XX/XX/XXXX by the " Seller '' and " Purchaser ''. The Schedule 1 to Bill of Sale is missing information in the table listed. An additional Exhibit A ; The Bill of Sale is attached, stating the Agreement was made dated XX/XX/XXXX and Closing Date XX/XX/XXXX however the Amounts Due have been removed from this document and signed on XX/XX/XXXX by the " Seller '' and XX/XX/XXXX by the " Purchaser ''. The additional Schedule 1 To Bill of Sale is also missing information in the table listed. The Affidavit attached appears to be electronically signed by the Custodian of Records, whom appears to be located in California and notarized by another employee of the company on XX/XX/XXXX. The notary statement " Subscribed and sworn to ( or affirmed ) before me on XX/XX/XXXX by XXXX XXXX proved to me on the basis of satisfactory evidence to be the person who appeared before me. '' By filing this Summons, Weber & Olcese, P.L.C. has violated the Fair Debt Collections Act, Fair Credit Reporting Act, along with the local State Laws as well as their Plaintiff XXXX XXXX  has.
Product: Debt collection

I received a collection notice from Southwest Credit. for {$1200.00} for a XXXX bill. I have never had a XXXX account in my name. I checked my credit report to be sure that there is identity theft issue. I have no XXXX account listed
Product: Credit reporting or other personal consumer reports

I am submitting this letter to be submitted to Transunion and the attached FTC Identity Theft Affidavit to formally dispute and request the immediate investigation and removal of fraudulent accounts and related inquiries appearing on my consumer credit report under Section 611 of the Fair Credit Reporting Act ( FCRA ). These accounts and inquiries are the result of identity theft, as outlined below : XX/XX/XXXX XXXX : Personal credit card account opened on XX/XX/XXXX, under account number [ private ]. 
XXXX XXXX XXXX : Account opened on XX/XX/XXXX, under account number [ private ]. 
XX/XX/XXXX:XX/XX/XXXX account opened on XX/XX/XXXX, under account number [ private ]. 
XXXX XXXX : Mobile phone account opened on XX/XX/XXXX, under account number [ private ]. 
Additionally, the following fraudulent hard inquiries are appearing on my report : XXXXXX/XX/XXXX : Inquiry on XX/XX/XXXX XXXX XXXX : Inquiry on XX/XX/XXXX TheXX/XX/XXXX: Inquiry on XX/XX/XXXX These fraudulent accounts and inquiries have also resulted in collections activity being reported on my consumer credit file. As these items are the result of identity theft, I am requesting the following actions : Immediate removal of the aforementioned accounts, hard inquiries, and collections from my consumer credit report. 
Cessation of any collection activities related to these fraudulent items, as required under the Fair Debt Collection Practices Act ( FDCPA ). 
Pursuant to Section 611 of the FCRA, you are obligated to investigate and remove any inaccurate, incomplete, or unverifiable information from my credit file. Please provide written confirmation of your investigation results and the actions taken regarding this dispute.

I have attached a copy of my FTC Identity Theft Affidavit, proof of identity, and any supporting documentation necessary to assist with your investigation. Should you require additional information, I can be reached at [ your phone number ] or [ your email address ].

Failure to comply with this request may result in further action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).
Product: Debt collection

Today XX/XX/year> I was notified that my XXXX  personal checking bank account was frozen/levy was placed use to a debt owed and was told to contact the law office of XXXX XXXX XXXX I dont know who XXXX XXXX XXXX but I did call his office. A representative gave me some account numbers and monetary figures but it still did not ring a bell. They told me that the original creditor was lvnv funding/XXXX XXXX XXXX  I have never heard of either company and certainly have never done business with either. I asked was this for a service or loan and was not provided that information/clarification either. Was told to contact the XXXX XXXX court of common pleas. Seems like Id need a lawyer that I dont have the funds for.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Inquiries does not belong to me. I have asked you to removed them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts that don't belong to me. I will like my WET signature showing I open these accounts. 
XXXXReport Date : XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i been a victim of identity theft. i tried to contact experian, equifax, but they didnt provide help. i have the attached documents
Product: Checking or savings account

Subject : Formal Complaint Against Navy Federal Credit Union for Unauthorized Withdrawals and Wrongful Account Closure Access Account Number : XXXX Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Navy Federal Credit Union ( NFCU ) for wrongful account closure, unauthorized withdrawals, and improper overdraft practices that have caused financial hardship and undue stress. 

NFCU closed my checking account without valid justification after repeatedly making unauthorized withdrawals, which led to an overdraft on my account. I did not authorize these transactions, nor was I provided proper notice before my account was closed. This action has severely impacted my ability to manage my finances. 

I believe NFCU has violated several consumer protection laws, including but not limited to : 1. Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693 et seq.

This law protects consumers from unauthorized electronic fund transfers. NFCUs actions of withdrawing funds without my consent may constitute a violation of this act.

2. Regulation E ( 12 C.F.R. 1005.10 & 1005.11 ) Under this regulation, financial institutions must obtain proper authorization for electronic transactions and must promptly investigate any reported errors. NFCU failed to obtain my consent for these withdrawals and did not properly handle my dispute.

3. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

If NFCU reported my account closure and overdraft status to credit bureaus, they may have violated the FCRA by inaccurately reporting my financial history without proper investigation. 
4. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Dodd-Frank Act ( 12 U.S.C. 5531 & 5536 ) NFCUs actions in continuing to withdraw funds without authorization and subsequently closing my account could be considered unfair and deceptive under federal law. 

I have attempted to resolve this issue directly with NFCU, but they have been unresponsive and unwilling to correct their errors. As a result, I am requesting the CFPBs assistance in investigating this matter and ensuring that NFCU : Provides a full accounting of the transactions that led to the overdraft. 
Reimburses any unauthorized withdrawals and fees incurred. 
Corrects any inaccurate reporting to credit bureaus. 
Provides a reasonable explanation for the account closure. 

I have attached copies of my account statements, correspondence with NFCU, and any other relevant documentation to support my claim. 

Please advise on the next steps in this matter. I appreciate your prompt attention and assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

My Business XXXX XXXX had and account with Wise payment service But suddenly they closed my account while my balance on their custody in the amount of XXXX XXXX. They have yet to send the remaining funds, After some emails back and forth wise said no longer have my money. It's been 18 day 's no update was given.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.