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

In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX XXXX XXXX and Account # XXXX Account name : XXXX XXXX XXXX XXXX and Account # XXXX Account name : The XXXX XXXX XXXX and Account # XXXX Account name : XXXXXXXX XXXX and account # XXXX Account name : XXXX XXXX  and Account XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

In accordance with FCRA all the following accounts has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602A. My rights to privacy 15 USC 1681 section 604 A section 2. Consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681a ( 2 ) ( a ) ( i ). EXCLUSION consumer reports does not include information solely as to transactions or experiences between consumer and the person making the report. I sent a written request for the credit bureau to correct my personal information, remove incorrect information, remove personal statement, and address the violations.
Product: Credit card or prepaid card

On XX/XX/2018, my XXXX Credit Card Account ( XXXX XXXX XXXX XXXX XXXX XXXX ) was closed at my written request. The account is closed with a balance, and I am making on-time monthly payments to get it paid off. On XX/XX/2018, I was billed an annual fee of {$49.00}. On XX/XX/2018, I first emailed XXXX through its website to request the annual fee be waived. I did not receive a response. On XX/XX/2018, I initiated a chat session through the XXXX website and chatted with XXXX. I asked that the annual fee be waived/removed/reversed, but XXXX refused to waive it. He said that an annual fee will be billed on the account, even though it is closed, as long as there is a balance of {$25.00}. This practice seems illegal and definitely unfair and abusive. Customers should never pay annual fees on closed credit cards. The card can not be used at all ; thus, XXXX/XXXX XXXX XXXX XXXX  XXXX is being abusive in billing the annual fee and then refusing to waive it. I am asking that the CPFB investigate this bank for the abusive practice of billing annual fees on closed accounts. Also, when the account is closed, this bank needs to make clear of its annual fee billing in the close confirmation letter. It does not. Whereas other banks gladly waive annual fees on closed accounts, why has the federal government allowed XXXX/XXXX  XXXX XXXX XXXX  XXXX to get away with such an abusive practice? I would hope that appropriate fines and legal action are forthcoming for this bank, and the abusive practice of billing annual fees on closed accounts comes to an end. I am asking that the {$49.00} annual fee is waived on my account, and on a much larger scale, I am asking the CPFB to investigate and put an end to such an abusive practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS ARE SHOWING UP ON MY CREDIT REPORT WHEN I HAVE NEVER DONE BUSINESS WITH THESE COMPANYS
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed these accounts from their records. I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

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

On XX/XX/XXXX I disputed several inaccuracies on my credit report and Transunion has refused to delete all unverifiable accounts and public records from my report. I am downloading a copy from one of the 3rd credit reporting agencies showing it was deleted and a copy of my FTC report stating that I have been a victim of Identity theft. 

They are also violating my rights under 15 U.S.C 1681 Section 604 A Section 2 : This law clearly states that a consumer reporting agency can not furnish an account to any other agency without my written instructions, and I did not give anyone written permission to furnish any information on my credit report. All accounts must be fully investigated and fully verified and Transunion has not done this. 

The following are inaccurate accounts that must be deleted. 

Bankruptcy XXXX  XXXX filed on XX/XX/XXXX is reporting inaccurate ( Proof provided ) XXXX XXXX XXXX filed on XX/XX/XXXX does not belong to me fraudulent account ( FTC report Filed ) XXXX XXXX filed XX/XX/XXXX is also inaccurate. Transunion removed 5 XXXX XXXX inaccurate loans but left this one, for reasons unknown.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights according to the law. 

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 INNACURATE.
Product: Credit card

I logged onto my Bestbuy account to make a payment and noticed a deferred payment for XXXX dollars for Life Insurance. So I called CitiBank who is the creditor for my best buy credit card and they said that I have been paying .XXXX cents for every {$100.00} dollars on my account since 2007. I had no idea about this and then I asked them how much have they taken from me in this time frame and the customer service rep said XXXX Dollars. So I told them to cancel my protection plan, in which I did not sign up for anyways and that I want my full refund of whatever they took. No resolution has been made as of yet and it 's been a month later.
Product: Debt collection

The debt was forgiven due to XXXX and was agreed to be removed off my credit file
Product: Prepaid card

I have a Rush Card & I have been unable to manage or access my funds for over a week. I am going to be possibly be evicted & have my electricity turned off because of their " system issues ''. I just want access to my money, I work hard & not being able to access my paycheck is unacceptable!
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I am deeply concerned about the presence of this late payment on my account, especially considering my consistent track record of making timely payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has failed to properly investigate/delete an account showing negatively on my credit report. I have sent letters dated all the way back to XX/XX/2017 asking for a lawful investigation of the Synchrony Bank account showing on my report. Synchrony Bank has admitted to me via letter that they do not possess an application with my signature that would validate a debt. I have forwarded this letter to XXXX. Also, XXXX ( an organization that mirrors XXXX in account investigation processes ) has deleted this same account from my credit report due to inability to validate it in compliance with the FCRA. XXXX & Synchrony have both maintained to ignore their violation of federal law and fail in deleting this account which violates the FCRA.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX I am submitting a complaint today against the company national credit adjuster. 
Recently I was informed of a new or updated account in my credit report. 
This file I have researched to be a collections firm operating on behalf of XXXX XXXX a payday loan comp. 
The issue is that the report states it is starting on XX/XX/XXXX as well as another one on XX/XX/XXXX of this year. The original loan I believe was issued in XXXX or XXXX. 
Also the loan amount was for {$500.00} and the reports state XXXX a piece. 
Also there is no way I could have done anything regarding a new loan as the only original loan was in XXXX TX and I live in XXXX XXXX TX. And have been for 5 years Also it's my understanding that the firm in question is under restrictions from the consumer finance bureau regarding these exact practices. And I'm not a lawyer but when notified by XXXX  I was informed I could dispute the claim and they would investigate ; instead I receive a notice stating everything is correct suggesting I had provided information or documents regarding the matter this is completely false I was never offered a chance to provide info other then claiming a dispute Wich they said they would handle completely. 
Now I'm sure this is all legal somehow, But I can't help feeling as if my consumer finances are not being properly handled by either So in fact I would like to go on record as submitting a complaint against XXXX  as well cause it seems to be very one-sided about this and I'm sure it's not the first time. 
In our current scenario of mass unemployment and a recession I hardly think loopholes and working the system to keep folks in debt is hardly the American way. I could be wrong. 
Thank you for your time.
Product: Debt collection

The Collection Bureau of XXXX XXXX sent me a purported debt regarding a medical bill. I requested verification and they sent me a medical bill with the XXXX redacted so I can not validate the debt. I demanded that it be resent to me with the XXXX visible so I could verify the debt and instead The Collection Bureau of XXXX XXXX/Collection Bureau Services contacted XXXX and XXXX verified the debt for me without my permission or sending me documentation so I could verify the debt. The debt remains on my credit report and both XXXX and the Collection Bureau of XXXX XXXX/Collection Bureau Services refuse to place it under disputed status. This is a gross violation of my rights under the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one open and account in my name from XXXX XXXX XXXX XXXX that I have no knowledge of and I sent over four letter to the bureau and the company letting them know I have knowledge of this debt and they still want remove they place and address on my file I guess is tied to this account but it isn't my address
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of a hard inquiry listed on my credit report from OneMain Financial, dated XX/XX/year>. After reviewing my credit report, I believe this inquiry was made in error, as I did not authorize or apply for any credit with OneMain Financial on this date. 

I have no records or documentation indicating that I initiated a request or application for credit with OneMain Financial. As this inquiry was made without my consent or authorization, I respectfully request its immediate removal from my credit report to ensure the accuracy of my credit history. 

Please investigate this matter and take the necessary steps to have the inquiry removed. I would appreciate your prompt attention to this issue, as it is negatively affecting my credit score. If you require any further information from me to assist in resolving this matter, please feel free to contact me. 

Thank you for your time and cooperation. I look forward to your timely response and confirmation of the removal of this inquiry from my credit report.
Product: Debt collection

To Whom It May Concern : I am writing regarding an entry listed on my credit report under your agencys name. I request that you provide validation of the alleged debt as I have the right to dispute its validity under the Fair Debt Collection Practices Act ( FDCPA ).

Per 15 U.S.C. 1692g, please provide me with the following information : 1. The original agreement or signed contract related to this debt, showing that I agreed to pay the alleged amount.

2. The name of the original creditor and an itemized statement showing the amount owed, any interest, fees, or other charges.

3. Any documentation showing your legal right to collect on this debt.

In addition, I have reason to believe that communication practices associated with this collection have violated my rights under 15 U.S.C. 1692c. If you can not validate this debt in full compliance with federal regulations, please cease all further communication regarding this debt, and have this entry removed from my credit report immediately. 

Please consider this a formal dispute. Any further reporting of inaccurate information to credit bureaus may constitute a violation of the FDCPA.

Thank you for your prompt attention to this matter. I look forward to your response within the 30-day validation period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off, from my personal profile. A copy of my Utility Bill, DL, and my Social Security Number are all included in this written request. 
Please help me resolve this issue as soon as possible. 

XXXX XXXX XXXX
Product: Debt collection

The name of the company is XXXX, which now referred my debt to Apelles XXXX XXXX. In XX/XX/2020 I lost my job due to Covid. I called XXXX to cancel my security services since those were not a " necessity '' and I was focus on paying my mortgage, main utilities and food. 
XXXX convinced me to keep their services and would bring my monthly fees to {$10.00} a month opposed to {$60.00}. Since I was already a long term customer, I chose to keep my security services since the amount was bearable. After 9 months, services went up to {$60.00} and I called to cancel because the person who took the information did not do it correctly, he was apparently working remotely from home. I called every month over and over because the amount was increasing. Every time I called XXXX 's customer service, the person claimed he did not know how to disconnect services, others put me on hold for hours, others claimed they couldn't do it remotely for me to call back in a couple weeks. It was always an excuse. This went for about 6 months until they called me to collect. This was completely unprofessional and unfair on XXXX 's behalf because they took a bad situation and state of emergency to take advantage of the consumers because XXXX didn't have the resources during Covid to follow through with the requests. I did not activate my alarm services from XXXX for over 7-8 months so I don't owe them the {$290.00} they are trying to collect.
Product: Debt collection

Back in XX/XX/XXXX, I was online searching for a XXXX XXXX, which was nowhere to be found. I came upon a website called XXXX that had XXXX XXXX in stock. I was hesitant until I saw " PayPal Credit " as a form of payment. I thought that they must be legit since PayPal would protect my purchase. So I made the purchase. I got the confirmation email from XXXX but no delivery date. Then on the XX/XX/XXXX, I get an email from PayPal credit that my package has shipped and provided a XXXX tracking number. I then tracked that number on the XXXX site and saw it was delivered. I called XXXX and they told me that the tracking number I gave them was not for me and it was a package for a XXXX at a XXXX restaurant in my area. I then emailed the shipper and got no response. I called XXXX and they started an investigation. Then they said I lost my dispute and showed me a letter from the shipper showing the tracking number and saying that it was delivered to me. So I contacted XXXX and they emailed me the tracking information showing that the tracking number which the shipper provided was a package not addressed to me but to someone in a XXXX restaurant on XXXX XXXX. I have provided all this information to PayPal Credit and asked them to call XXXX to verify my information but they just keep sending me the letter from the shipper that it was delivered to me. 
PayPal Credit is backed by Synchrony bank and I have been disputing this since XXXX. Please help. I am a retiree living on a modest pension
Product: Money transfer, virtual currency, or money service

I am trying to link my PNC account to my XXXX  account so that I can transfer money to PNC in order to bring my account out of a negative balance. Ive been having this issue a lot with pretty much any site I try to connect PNC with it usually denies access to my account. I just need help getting PNC to allow me to connect my bank account with other accounts.
Product: Debt collection

VALIDATION OF ACCOUNT Account # : XXXX Account # XXXX To Whom It May Concern, I neither affirm, nor deny this purported debt. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : Who was the original creditor on this account, and what was the account number? 
What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
What was the original date of delinquency for this account? 
Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
What did you pay for this account, and how did you calculate the current amount owed? 

I require compliance with the terms and conditions of this letter within 14 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. 

In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed.

I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 14 day investigational process concurrent with your investigation.
Product: Debt collection

Capio account # XXXX amount is {$250.00} this was placed on my credit report and no one ever called me or sent me information. This debt is not validated as I have insurance and it was paid. XXXX XXXX ... their office is not helpful at all
Product: Checking or savings account

of {$42.00}. 

If you could assist me with this information at your convenience I would very much appreciate it. 

You can also mail this information to me if email is not a secure option to the above listed mailing address as well. 

Hope all is well and thank you again fir your help to me on this request. 


Regards, XXXX XXXX XXXX ( XXXX ) On XXXX, XXXX XX/XX/year>2024XXXX  XXXX XXXXXXXX XXXX Complaint Team, XXXX wrote : Good afternoon, For authentication issues, please visit your local branch with photo ID for assistance. 


Thank you, XXXXXXXX XXXX | XXXX XXXX XXXX | TD Bank
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX ACCOUNT # XXXX, open date XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.