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

I have been reaching out to these companies trying to verify and correct inaccurate items reporting on my credit reports. When I reached out to the credit bureaus they replied back that the accounts were verified and reporting accurately. Then I reached out to each individual company because there is no way things are verified as accurate when there are missing account numbers, wrong credit limits and credit balances, missing fields etc. 

When I did hear back from the companies some sent a print out and some refused to respond to me at all. All of these companies are reporting inaccurate information on my reports which is a direct violations of my rights as a consumer under the FCRA. Not only that, these companies or either the major credit bureaus are lying cause they both are saying its accurate but according to my credit reports I have found several violations. Not only that one of the companies closed down years ago, so my questions is how was that verified and whom did they contact to verify this account with XXXX XXXXXXXX XXXX. I am very upset at this unlawful reporting.
Product: Debt collection

The called my number to collect a debt that isn't me. They called on XX/XX/XXXXst XXXXpdt. The company was Pacific Retrievel LLC. There number is XXXX.
Product: Checking or savings account

My name is XXXX and my mother XXXX is assisting me with writing this letter. On XX/XX/2021 my mom was going out of town and gave me a debit card with {$50.00} on it for snacks. I had my card for a short while before I lost it.. I wrote my pin number on my card because I have a very poor memory. I have a low XXXX and I'm on an XXXX for school. I still have not graduated from high school and I am over XXXX years old. I have an XXXX of only XXXX. I did not tell my mother that I lost my card because I was embarrassed. My mom Nor myself did not know that this card was also connected to my savings. Someone must have found my card with my pin number on it and they took out XXXX XXXXXXXX dollars between XX/XX/XXXX and XX/XX/XXXX. The bank never notified me nor my mother of all the activity going on with my card.. Unfortunately {$4500.00} was taken. I have never given permission or received any money or merchandise from a merchant related to these charges. Navy Federal Credit Union has denied my claim of fraud.
Product: Credit reporting or other personal consumer reports

remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Company XXXX XXXX XXXX XXXX has furnished my consumer report trying to collect a debt that has been written off and charged off by the Original Creditor, Flagstar Bank. I have requested IRS documentation from Flagstar Bank XX/XX/XXXX ( cancellation of debt ) that the bank has submitted to the IRS. I received verification on the call the amount in question was and has been CHARGED OFF. I was advised they would send the requested IRS documentation within XXXX days. This account is currently in litigation as all parties will be held responsible for furnishing my consumer report and their attempts to try and bring stress upon I the consumer. XXXX XXXX and XXXX has furnished my report illegally for 4 years. This company has received several disputes regarding this account and in their efforts have continued to verify information to my consumer report without : A. having permission from I the consumer to have my non-personal information. FlagStar Bank breached their privacy policy with I the consumer as advised in the contractual agreement that my non-public information is not to be disclosed to non-affiliate third-parties as, XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX and Flagstar Bank have violated my rights of privacy pursuant to The Privacy Act of XXXX. 

I demand the collection account be removed effective immediately. All parties have been notified.I am requesting damages pursuant to the FDCPA for falsifying and furnishing inaccurate information to my consumer report for years. Indicating that I owed the alleged debt and in fact I DO NOT. I am willing to settle XXXX Account XXXX XXXX, civil liabilities and damages against I the consumer in accordance with the FDCPA XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 XXXX 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 inaccurate.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so, they didn't follow the proper five validation procedure which makes this an unfair practice. This needs to be looked into immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX  XXXX bankruptcy on my credit report that does not belong to me. It was already removed from XXXX and XXXX and per fcra law they have to report correctly. Please remove the bankruptcy immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I received a notification from XXXX XXXX that a new hard inquiry was submitted to my Transunion Credit Report from XXXX XXXX with a phone number of XXXX. The inquiry was dated XX/XX/22. To my knowledge I do not have any new applications for credit in process, nor have I specifically authorized XXXX XXXX to do any credit inquires. 

I called XXXX XXXX and they said they had no record of the inquiry and no accounts on file. Since I had identify fraud two years ago ( XXXX XXXX was one of the lenders ) I contact Transunion and froze my credit. They indicated that XXXX XXXX  did the inquiry per Permissible Purpose ( Section 604 15 U.S.C. 1681b ) but they have no details. Is XXXX XXXX obligation to disclose what the permissible purpose is? 

I did receive a settlement check and a letter from XXXX XXXX dated XX/XX/22 for as settlement I was not aware of. See FTC vs AMG XXXX. 

It would seem odd for them to run any inquires after checks have been issued. 

Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( a ) ( XXXX ) ( A ). Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX. Account name : XXXXXXXX XXXX, XXXX Original creditor : XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX creditor : XXXX XXXX Account Number : XXXX XXXX. XXXX. Account XXXX : XXXX XXXX : Account XXXX XXXX. XXXX : Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX : Account Number : XXXX XXXX. XXXX XXXX XXXX ; Account Number XXXX XXXXXXXX XXXX Account Number : XXXX XXXX 's Account Number XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently received a copy of my ( Experian, XXXX, and XXXX ) credit report, and I noticed some late payments posted on my credit report : ACCOUNT NAME : XXXX XXXX XXXX ACOUNT NUMBER : XXXX Dates reported late : XXXX of XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. 

ACCOUNT NAME : XXXX ACOUNT NUMBER : XXXX Dates reported late : XXXX of XXXX, XXXX of XXXX, XXXX of XXXX. 

ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX Dates reported late : XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX. 
I HAVE NEVER BEEN LATER ON THESE ACCOUNTS I was never late on these accounts. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking XXXX per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of Identity Fraud XXXX. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ].
Product: Debt collection

I am so stressed and so disappointed that this is happening to me and my credit report. Not only is it very embarrassing, it is clearly either your fault or the company 's fault for reporting this inaccurate information. Remove late payment annotations and update to paid now or as agreed.
Product: Checking or savings account

I am writing to formally complain about the handling of my account investigation. My account was locked three weeks ago due to a direct deposit from my father, which I later learned was not allowed. I immediately contacted your support team, explained the situation, and have since been repeatedly told that an XXXX would get back to me. However, no resolution has been provided. 

This morning ( XX/XX/year>2025 ), I called again and was told that Ally does not believe I am the account owner, and the representative hung up on me. This is unacceptable. I have complied fully, provided the necessary information, and there has been no indication of fraudulent activity or stolen funds related to this deposit. 

At this point, I demand : XXXX. A direct response from a XXXX  XXXX regarding my account status. 
XXXX. A clear timeline for when this issue will be resolved. 
XXXX. Access to my account or an explanation in writing if Ally intends to close it. 



I expect an immediate resolution to this matter. Please respond as soon as possible.
Product: Debt collection

I 'm a victim of identity fraud. I recently checked my credit and received notification from this company that an account was opened in my name. Upon calling the company we were able to ascertain who opened the account in my name and they have contacted the individual and currently in the process of handling the matter with that person
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$7500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$5600.00} XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 

Account Number XXXX Account Number XXXX XXXX XXXX  {$4400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT SYNCB/AMAZON PLCC {$510.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Product: Checking or savings account

On XXXX XXXX a per to per transaction made from navy federal to XXXX account XXXX XXXX funds or merchant was never received and XXXX stated the account is now closed and funds are unrecoverable
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX ) XXXX XXXX Credit Certified - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. ////// ( 2 ) XX/XX/XXXX - XXXX  XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XX/XX/XXXX, Credit Certified - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. ////// ( XXXX ) XX/XX/XXXX, XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( 5 ) XX/XX/XXXX - XXXX XXXX- No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XX/XX/XXXX - XXXX XXXX  - XX/XX/XXXX - XXXX XXXX  - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ///// ( XXXX ) XXXX XXXX- Certified Credit - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XXXX XXXX, XXXX, Certified credit Mortgage No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XXXX XXXX, XXXX, XXXX XXXX  - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XXXX XXXX XXXX - XXXX  - XXXX XXXX, XXXX, Certified credit Mortgage No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// Thank you
Product: Checking or savings account

Yesterday XX/XX/23 I failed a dispute with Wells Fargo Bank as a few transactions I did not authorize! The first rep was helpful and filed the dispute and also issued provisional credit back to my account. I called back and added three more transactions I didn't authorize and asked for provisional credit. This time I was met with a rude and condonsending representative. She asked me to hold while she went to consult with her back end team who handles the provisional credit. Then came back to the phone to tell me to wait 10 days before they would issue the credit back to my account. The rep had a tone as if she didn't believe there transactions were fraud. Told me a vague and empty answer just to get me off the phone. So the back end team apparently told her to not issue the credit. Then I get a email notification saying Both my checking and savings account have been placed with a Temporary suspension due to my account being compromised. I called the number in the email just as the email said and the rep over the phone had a tone of disbelief as well. She advised me that I would then have to drive to a branch and speak to someone. At this point I'm furious because Im working and wellsfargo has suspended both my accounts even though I only reported fraud on my checking account. Not my savings account. I go to the branch and talk to the personal banker who called lost prevention and even she was confused at why this bank was treating me and my accounts this way. The representative over the phone told the teller to tell me that the suspension won't be lifted until after the investigation. the personal banker was extremely nice and even told me that she probably shouldn't be telling me this but the Lost prevention team told her that the suspension was placed on my account for claim abuse and not for the original reason that was advised to me. So at that point I got up and left even more furious. After online research I come across many articles and videos where Wells Fargo is involved in multiple lawsuits for unethical practice. And I refuse to let this go. Im also going to be closing my accounts here and filing a lawsuit for damages. This bank has also dismissed prior claims from me without explanation. When I Call all I get told is that a Pin was used to it had to be me or someone else I know. No true investigation results which I will request before going to court. Wells Fargo, its claims department, back end team can count their days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$17000.00} XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance XXXX {$650.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$170.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX XXXX {$260.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XXXX closed my account on XX/XX/year> for no reason. They stated that any remaining funds would be released on XX/XX/year>. Well, it is no XX/XX/XXXX and my funds ( {$5800.00} ) are still on hold. I have reached out to customer service a total of 3 times and am yet to receive a reply. After reading countless amounts of reviews on reddit, I realized this is a scam that they run. I also filed a complaint with XXXX  and will be contacting the attorney generals office. I need help in getting my funds released. This is extremely unethical. I need my funds. I already provided the service to the customer. This is not fair. Please help me get my funds released. Thank you.
Product: Debt collection

I contacted the collection agency by letter written on XX/XX/2018 to negotiate the debt they claim I owe them, try to negotiate the debt by paying a portion of XXXX it to be delete from my credit report until at the moment. I have not received any response about it.