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

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a Apple Saving Account which is backed by Goldman Sachs. I deposited a total of XXXX into my account on XX/XX/17. On XXXX ( almost a month later ) I initiated an ACH to my personal banking account ( XXXX XXXX  XXXX XXXX I was told the XXXX would take XXXX business days. After speaking to multiple people I called back in on XXXX and was told my initial funds of XXXX had not been verified and my withdrawal to PNC was being sent back to Goldman. As you can imagine I am very upset with this. This is 100 % legit my money and it shouldn't take a month to verify my funds. Goldman has not been able to provide me when my funds will be verified, even though I see the total savings on my apple savings and have even accrued interested from Goldman.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple inaccuracies on my Experian credit report. Despite previous disputes, these errors continue to appear, and Experian has failed to provide proper verification as required under the Fair Credit Reporting Act ( FCRA ). These violations of my rights must be addressed immediately
Product: Debt collection

PORTFOLIO RECOVERY XXXX {$1900.00} - - - Account Information Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX VA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type FACTORING COMPANY ACCOUNT Date Updated XX/XX/XXXX High Balance {$2000.00} Original Creditor XXXX XXXX Past Due {$1900.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR XXXX
Product: Money transfer, virtual currency, or money service

I don't know who logged in my Bank Of America credit account and transfer {$5000.00} to XXXX XXXX and {$1800.00} to XXXX on XX/XX/2022. I called Bank of America fraud department to investigate what happened. Two weeks later, they sent me letter to deny because they said XXXX XXXX and XXXX under my name. I asked Bank of America give me information that they found under my name, but they refused. I called XXXX XXXX to help me to check any account opened under my name, but they did not find any. I logged into XXXX and found nothing transfer to my XXXX accounts that I had. I ran report in XXXX Bureau and did not see anything from XXXX XXXX and XXXX, so I think scam may from Bank of America, because why they refused to me detail information about the fraud that they investigate.
Product: Debt collection

Company repeatedly calls about 4 times a day and then from blocked numbers. Company left a message with  private information on the voicemail. ASked the comopany to only contact me through mail. The company would call my employer and repeatedly call my phone. The company was notified of the loss of my daughter and was told to give the family time before contacting them and they still continued to call making comments like " OK and she still owes this debt '' Very insensitive about the passing away of the primary driver of the car.
Product: Debt collection

Collectors Name : ENHANCED RECOVERY CO L Account Info : XXXX Creditors Name : XXXX XXXX XXXX Open Date : XX/XX/2018 Balance : {$230.00} Debt : {$230.00} Contact Info : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries on My Credit Report TO WHOM IT MAY CONCERN, I am writing to formally dispute several unauthorized credit inquiries listed on my credit report. These inquiries were made without my consent and have negatively impacted my credit score. The details of the inquiries in question are as follows : XXXX  XXXX ( Bank ) - XX/XX/2023 XXXX  ( Bank ) - XX/XX/2023 XXXX  XXXX ( Bank ) - XX/XX/2023 XXXX XXXX XXXX ( Finance ) - XX/XX/2023 XXXXXXXX XXXX XXXX ( Bank ) - XX/XX/2023 I have contacted your customer service department on multiple occasions regarding this matter. Despite my efforts to resolve this issue, there has been no satisfactory resolution. I have spoken to your representatives and even escalated the matter to a supervisor who assured me that the inquiries would be removed within 24 hours. Regrettably, this has not occurred, and the incorrect information remains on my credit report. 

The unauthorized credit inquiries have had a detrimental impact on my credit score, making it imperative that this matter be rectified promptly. I demand a thorough investigation into these inquiries and request the immediate removal of the unauthorized inquiries from my credit report. 

I understand that timely resolution of this dispute is crucial to maintaining the accuracy of my credit profile. I appreciate your prompt attention to this matter and look forward to a written response detailing the results of your investigation. 

Please provide me with written confirmation of the actions taken to rectify this situation within 30 days of receiving this letter, as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

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

Hard inquiry : XXXX/XXXX/XXXX XXXX/jcp XXXX/XXXX/XXXX XXXX/jcp
Product: Credit reporting or other personal consumer reports

Found out about XXXX or more months ago that my credit file was merged with someone else, I called Trans Union and disputed it and got a confirmation number at the time that I disputed it. XXXX, I had them dispute my name and address. I ordered a new credit report today and they Allowed that persons name and information back on my credit report again. I disputed it again today as well.
Product: Checking or savings account

There were several unauthorized transactions on the account from my XXXX  account that was hacked, and I was not aware of because I had stopped using the account, this was also related to my debit card at that time used for these unauthorized transactions. These transactions lasted over an extended period including transactions of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXadd cash for various amounts during this period. I reported this unauthorized transaction when I found out and closed the debit card account that was used for the transactions. I explained that I had attempted reporting these unauthorized transactions to XXXX XXXX but no favorable response, instead my account was closed but no refund was processed. That was why I reached out to my bank that had issued me the debit card but also to no favorable response, hence I have brough this matter here as a complaint against my bank and for the funds to be refunded. The case number in reference is XXXX for an amount of {$2000.00}.
Product: Checking or savings account

I had my debit card stolen and was used for a website called XXXX XXXX. I reported it to my bank and it is almost 2 months since I made the report Ive had the account open for 3+ years I received no credit from the bank.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 1

5 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermo re, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. Enclosed are copies of documents supporting my claim for your review. I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the ea
rliest.
Product: Debt collection

Portfolio Recovery Associates has been attacking me for over 12 years with threats of legal action, lawyers being sent to my residence, contacting my employer, now on XX/XX/2023 they have started harassing me on my personal phone. I have provided them with death certificates of the person who created the debt, it has been non-stop harassment for TWELVE YEARS. Every month they are calling after I sent them the original documentation to resolve their claim, plus every 3 months they are sending correspondence demanding payment or legal consequences. This PRA Group has been told at least 30 times to stop and as always, they continue to ignore my requests. Please shut down their corrupt operation and remove them as a public company listed on the XXXX XXXX. They refuse to comply with any orders by CFPB or the courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am giving you one warning, because i will SUE. Remove an alias ( old last name ) off of this report.i want it off now, ive told you several times on the phone you are all LIARS telling me you took it off. im suing you and transunion, because i asked you to take it off due to a stalking incident and instead you left it on there and i have been located. if anything happens, you and transunion will be held accountable.i will be contacting a lawyer if i see my old alias still there. i am serious. 

the old last name needs to be taken off!!!! 
old last name : XXXX. 
no longer my last name!!!! 

a correct alias will be XXXX now that i have REMARRIED
Product: Debt collection

I sent a certified letter to Jefferson Capital systems requesting a letter of validation. A collection from their company shown up on my credit report XX/XX/2024 and there wasn't any prior attempt to verify the debt via telephone call, mail, email nor social media. I've had the same address, phone number, email and XXXX accounts for several years, so I could've very easily received a notification if a company tried to contact me. I was never alotted the chance to dispute this debt because I was never contacted nor was I aware of the alleged debt.
Product: Credit card

Received a Statement with a charge of {$1.00} for " Paper Statement Fee '' on XX/XX/2024. Tried to get Answers and inform them that they need to provide statements for free. Also, you may not access your statements unless you agree to online Statements.
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

I have made previous attempts to fix these issues directly with them and they are violating my rights. I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.
Product: Checking or savings account

The bank Facebank, since XX/XX/XXXX, has decided to freeze my funds ( {$2700.00} ) without notifying me of the product of this action, internally they do not handle the same information for my case, both the Call Center staff and the Account executive do not know be accountable for what happens. 
I have endured all my movements and operations and to this day I have no information or solution to the case, I don't even know what is the cause of the withholding of my funds. 

It is very striking that the funds according to the bank are frozen and on the bank 's website they appear as available and incidentally it was possible to carry out an exchange rate operation with a commercial ally of the bank ( XXXX  ) and then they made the decision to reverse the operation already released generating chaos in the payment platforms and reputational and monetary damages with those involved in the operation, that is, there is a significant security gap and coherence of the information in this type of reconciliation or direct debit transactions. It is important to note that the exchange operations between Facebank and XXXX largely come from previous operations of the cryptoactive type. 

The worrying thing about this case is that the bank has not ruled with any type of information about this case, leaving the account holder clearly affected with all his commitments. Another worrying and misinformation element is that the terms and conditions that were once accepted by the bank 's holders are no longer available on the bank 's website and are not known to the call center employees either. This clearly makes it difficult to follow up on the current situation and I believe that legally this information should be at the hand of the bank 's owners. 

the bank 's website is : https : //facebank.pr/ and today XX/XX/XXXX it can be seen that the bank 's terms and conditions are not available for its holders or account holders.
Product: Credit reporting or other personal consumer reports

The company that appears on my credit report for debt is XXXX XXXX XXXX. The company that has acquired the debt is the XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Building XXXX XXXX XXXX XXXX GA XXXX. I have asked XXXX XXXX XXXX to provide a detailed account of debt owed and payments submitted. I was told that they wouldn't be able to provide this information until debt is fully paid.
Product: Debt collection

I am a victim of identity theft... someone has used my ssn, dob, name to buy XXXX XXXX. 

XXXX has forwarded the account to collections, hurting my credit. I have never lived at, known anyone or given permission to any persons at the address where XXXX provided this service. 

I have filed dispute paperwork with XXXX, Sequium Asset Solutions and all credit bureaus, but nothing has been returned to me yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX Card- {$25000.00} XXXX XXXX XXXX XXXX {$10000.00}, XXXX XXXX XXXX XXXX {$26000.00}, XXXX OF XXXX {$13000.00}. 

Fact, The truth and XXXX XXXX is intended to inform consumers about the cost of credit. The companies above violated my rights by informing consumers that I allegedly owe an account with amount on it to Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all XXXX violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by XXXX, and I have been abused and deceived. So be it. The companies listed above is falsely publicizing an account addressed to me on Experian, XXXX XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. The companies above has published my information publicly on XXXX, Experian & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


Fact, 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. The companies above has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

XXXX, XXXX is aware and has proof in attachment labeled as exhibit A and the companies above. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. The companies above has published an account they have of mine on the companies above. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.
Product: Credit card

On XX/XX/XXXX, I ordered a few items from Walmart totaling {$44.00}, or thereabouts. My process is to unlock my card, make my purchase, and lock my card once I receive my order number. I do this for security reasons. On the same day, I was able to pickup the first half of my order from Walmart, which was pens and notebooks. The second part of my order would be shipped by XX/XX/XXXX, which was a XXXX. On XX/XX/XXXX, the merchant, Walmart, submitted its debit for the first part of the transaction. Although my card was lock, the requested processed and Walmart received {$14.00}. However, on XXXX, when Walmart submitted its debit for the second part of the traction total {$29.00}, my card was locked and Citi declined the request. 

This has been happening since XXXX and I have contacted Citi about it. Today, the agents laughed and were dismissive not trying to help. I believe that Im being religiously persecuted by Citi agents who I understand are monitoring my purchases in an illegal manner.
Product: Credit reporting or other personal consumer reports

My credit report has billing errors, reflecting late payments that are unusual for my history. Please amend these inaccuracies and update my account.
Product: Debt collection

The company, FRANKLIN COLLECTION SV, purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002, I am a natural person which means the name in all capital letters is not me. My name is XXXX XXXX XXXX XXXX. XXXX5 USC ( A ) ( 1 ) The term " bureau '' means the Bureau of Consumer Financial Protection. XXXX XXXX, XXXX, and XXXX are assumed to be credit bureaus but there is only one bureau and that is the consumer financial protection bureau. 
On XX/XX/1933, Congress enacted HJR 192 to suspend the gold standard into abrogating the gold clause. This resolution declared that " whereas the holding or dealing in gold affect the public interest, and or therefore subject to proper regulation and restriction, and whereas the existing emergency has disclosed the provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of Congress... In the payment of debts. This resolution declares that any obligation requiring payment and gold or particular kind of currency or an amount in monetary policy ; and ... Every obligation heretofore or hereafter incurred shall be discharged upon payment, dollar for dollar, and any coin or currency which at the time of payment is legal tender for public and private debts. 
15 USC 1681 ( 3 ) ( E ) ( e ) the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mold living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Product: Credit reporting or other personal consumer reports

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX received notice of a debt. On XX/XX/XXXX sent demand for validation and proof of claim. On XX/XX/XXXX they sent the same notice. The debt was not validated. on XX/XX/XXXX and XX/XX/XXXX, they continued to send notice to collect the debt without validation. On XX/XX/XXXX, I sent second demand of validation and proof of claim. Both times they were given 30 days. On XX/XX/XXXX they sent the same notice. On XX/XX/XXXX I sent a Notice of Fault and Opportunity to Cure. The sent the same notice on XX/XX/XXXX. On XX/XX/XXXX I sent an Affidavit of Notice of Default. On XX/XX/XXXX they sent the same notice that included statements from XXXX XXXX. The law states they can not use statements to validate a debt. They NEVER validated the debt. However, on XX/XX/XXXX, they furnished my credit report with a collection without my permission. I also provided them with evidence that I and the Secured Party Creditor and they totally ignore it. I also own the copyrights to the name and they continue to use it without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my consumer report and found many accounts that were fraudulently being reported. I sent a letter to Transunion, XXXX and XXXX disputing these erroneous accounts in XXXX of 2022. The accounts have not been removed and I have not received a response. 

15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.