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

In accordance with fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. states I have 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 seven years 15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

As of XX/XX/XXXX {$670.00} was posted to my credit report on behalf of XXXX thru Sources Receivable Management. I have never received any paperwork from XXXX that monies were due. I have not been a customer since XXXX. I have submitted multiple disputes from XXXX til now stating that the information is incorrect. I have also requested proof of charges for the debt and to no avail. I have also asked that if the debt can not be proved to remove from my credit profile. I have no knowledge of what is owed and why and that any attempt was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

SCHOOLSFIRST XXXX - Company has no legal contract with me. They have failed to validate the debt & have agreed to remove it in place of being sued. Please delete. 

SCHOOLSFIRST XXXX This is not my account. It may belong to a family member. I never opened this account, have no knowledge of it, and have no relation to it. Please verify its accuracy, including name, address of record, date and place of origin, etc. 

SCHOOLSFIRST XXXX - Not my account, Never received anything verifying this is a debt or its relation to me. This is strict violation of FDCPA and FCRA. Please remove immediately. Additional please verify this account is not untimely, inaccurate, unverifiable or incomplete. 

SCHOOLSFIRST XXXX - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Debt collection

Re : XXXX Bank / Unlawful Credit Card Debt Collection Practices. Due to a loophole through the court system and a XXXX bank credit card charge-off in 2009 for {$6400.00}, I have been issued a wage garnishment now totaling {$14000.00} through a debt company AZCAR Inc. After a long effort to prove unlawful judgements, deceptive affidavits, debt flipping and AZ interest rate violations, my motions to vacate the case have been denied. 
AZCAR Inc. had failed to provide acceptable documentation and disclosures of debt ownership but it was disregarded and/ or ignored by the courts. Also, some spreadsheets provided by AZCAR resemble " robo-signed '' copies of uncollectable debt transfers. The '' so-called debt '' was passed along through various debt collectors through incomplete bills of sale. 
I have also been affected by inaccurate and duplicate debt accounts by credit reporting agencies. This has affected my ability to obtain credit, financing and possible employment in the past years. Collection Information about the debt left an impossible burden of challenging the errors. Now, the {$500.00} a month garnishment has also caused financial hardship. 
The successful debt collection lawsuit against XXXX bank proves wrongdoing by AZCAR Inc., debt buyers and the bank. The repeating many times over of resale of debt, often for pennies on the dollar, is excessive. 
I will include in this complaint, various court documentation, unsuccessful debt verification and credit report documentation. If any other documentation is needed, I can supply this on demand.
Product: Debt collection

On XX/XX/2023 I received notification from all XXXX XXXX Credit Bureaus of a new collection account added to my XXXX Credit Report. I immediately contacted the debt collector that reported this collection account, Vance & Huffman XXXX XXXX XXXX, XXXX XXXX on XX/XX/2023 and requested to speak with a Supervisor as I was not making any progress speaking with a Customer Service Rep. I was subsequently connected to XXXX XXXX XXXX. I advised XXXX, that I never received any documentation pertaining to this collection account prior to Vance & Huffman reporting this debt to XXXX. I informed XXXX that my rights according to the provisions of the FCRA were violated. I asked XXXX where did the Notice of XXXX letter go which was to provide me 30 days to respond, pay or dispute. I asked XXXX for the copy of the collection notice to be sent to my email proving they did not violate my rights. I asked for the ORIGINAL COPY of the collection letter, to show where in fact this letter was mailed, and more importantly WHEN they mailed the letter which should show a date prior to the date they reported the collection account to XXXX CREDIT BUREAU. When I received the Notice of Collection letter, not only was the letter mailed to an address not associated with me ; the mailing date of the letter was AFTER THE DATE OF THE REPORTING OF THE COLLECTION ITEM TO MY XXXX CREDIT FILE. As stated previously, Vance & Huffman reported the collection account to my XXXX Credit file on XX/XX/2023 however the Notice of Collection letter was XX/XX/2023. 

When I called XXXX XXXX back, I requested they remove the collection account immediately from my XXXX Credit Report - to which they DID NOT. I have disputed this account a total of XXXX XXXX ; and they continually verify this information as true and correct in violation of my rights. 

Vance & Huffman violated the rules and regulations set forth by the FCRA and NEVER NOTIFIED ME prior to reporting this collection account to XXXX. 

Please instruct Vance & Huffman to remove this collection account from my XXXX XXXX file immediately.
Product: Vehicle loan or lease

On XXXX XXXX XXXX XXXX XXXX made an uninformed decision when I made this consumer credit transaction with XXXX XXXX XXXX. I was brought in to co-sign for XXXX XXXX. Also my signature was forged digitally by XXXX XXXX XXXX. XXXX XXXX has filed multiple complaints on both our behalf.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX, a friend of mine sent herself {$540.00} dollars from my smartphone to her bank account using the XXXX   application without my authorization. Ive contacted Citi bank with the issue asking to dispute and Investigate the charge from me because this charge was unauthorized and the perpetrator is going to be punished. The representative took my claim and said it will be filled, & I should expect a credit in my account within 1-3 business days. Ive explained to her due to Covid-19 Im not working and I have a son to feed, I really do need my money back to me. Today XX/XX/XXXX Ive contacted Citi bank regarding my claim & they told me its nothing they can do for me at this time, and that my dispute is still pending which isnt what I was told. Im down to my very last bit of money and Ive disappointed because I thought my bank was supposed to be on my side throughout the investigation. Please help me as I soon run out of money for this month and Im looking for answers.
Product: Credit reporting or other personal consumer reports

Item was discharged and the Credit Bureaus did not properly verify the information according to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A and 12 CFR 1006.34 ( b ) ( XXXX )
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed XXXX  inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account info Account name XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair credit reporting act XXXX  account XXXX has violated my rights 15 u. s 1681 section 602 A states that I have the right to privacy 15 u s 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Account Number Verification XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

Numerous ( 10 ) fraudulent charges were made to our card to merchant " XXXX '' in XXXX XXXX. We immediately contacted CitCard to report these as fraud. After an unreasonable amount of follow-up phone calls, persistence and unnecessary XXXX due to their lack of response, they finally credited our account for the fraudulent transactions. Now, several months later, they have reversed one of the credits stating that the merchant has disputed it. This is DESPITE my statement with documentation to the contrary submitted at their request on XX/XX/XXXX ( and confirmed received ). ( Their request for additional information was received by us on XX/XX/XXXX with a due date of XX/XX/XXXX. ) I spoke to yet another Citi XXXX today, XXXX, who said he is sending this transaction dated XX/XX/XXXX back for review AGAIN, can give NO timeline about how long that will take and stated if I don't pay it in the meantime that I will be charged finance charges and late fees. I can not bear the thought of having to follow up again like I did the first time ( probably a dozen phone calls and months of attempting to get someone to fix this ).
Product: Credit reporting or other personal consumer reports

I have a collection account on my Experian and XXXX reports that does not belong to me. I disputed the the item and both companies replied that the account was valid and belonged to me. I then sent a letter to both Experian and XXXX invoking the Fair Credit Reporting Act Section XXXX requesting : The date you contacted the creditor The contact information for the creditor The name of the person who verified the item to you The method of communication you used to verify this information Did the creditor provide you with my SSN, address, and Date of Birth? 

I still have not received this information nor has it been removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection on my Equifax credit report that belongs to someone else with the same last name. The collection agency did acknowledge that this was not mine and they filed to have it removed. Equifax still shows it. I contacted Equifax and disputed this and their investigation came back that this belong to me even though I gave them a copy of the email from the collection agency acknowledging that it was not mine and that they were trying to remove it. Bottom line I 'm stuck between a collection agency that says they followed the process to have it removed and do n't know what else they can do, and Equifax that can only accept disputes and their investigation comes back wrong. I am frustrated.
Product: Checking or savings account

Received a statement in the mail. Contacted Bank of America and they closed the account. They closed this account. We were members of Bank of America over 5 years ago. All accounts were closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting a Tax lien that I have no knowledge, I have tried many times disputing this with TransUnion with the item not being deleted. The tax lien amount is for {$10000.00}. Also I like to include that XXXX and XXXX deleted this already.
Product: Credit reporting or other personal consumer reports

I have no knowledge of these addresses. 
Please remove the following addresses. 


Thank you.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXX XXXX XXXX  for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXX XXXX  XXXX Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXXXXXX XXXX XXXX XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA. 

Request Therefore, I request that the CFPB investigate this matter and require XXXXXXXX XXXX XXXX XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

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

I contacted the credit card company and asked about my authorized users. I wanted to confirm who I had listed. And for some odd reason they tried to run my credit. I already have a credit card with them. I wasnt even adding a user I was simply verifying who I had listed. I contacted them immediately when I received an alert that they were running my credit. They sent me to multiple departments within their company. And I was told it would be removed within 10 days because I had not authorized them to access my credit. To this date it is still showing on my credit bureau from XX/XX/2021.
Product: Checking or savings account

This is a formal complaint against the claim that was denied on my account. 
I received an email from Bank of America on XX/XX/2022 advising me about a fraudulent transaction. I immediately called the bank to report the fraudulent transaction. this was the time when I was made aware that there were fraudulent charges on my debit card. Several days later I received a letter from Bank of America informing me that my claim was denied because they think i gave permission to someone else to use my debit card. I called the bank of america to have my claim reevaluated and i was told to write a letter to the claim department which I did in a timely manner. I went to the Bank of America to get the letter faxed.I was told by the branch manager that he faxed and that I don't have to worry because my card offers me zero liability for fraud. severals weeks later i received another letter from bank of american stating that my reevaluation was denied again and there is nothing they can do. i explained to them that i need this case to be fixed because im recovering from a bad year due to the pandemic and need my money back.they said no and hang out. Also, they failed to send proof of purchase to see who did the purchase. 

Fraudulent transactions are the following : XXXX for {$3900.00} XXXX XXXX {$150.00}
Product: Credit reporting

I 'm having an issue with Equifax reporting items which the date of last activity is past the statue and items that there is no verification to support the information being reported. Several times I have request assistance and am not getting anywhere please assist. 
Credit Protection - Not my account I do not owe XXXX anything, I have a current account which is paid on time and XXXX # XXXX - Unverifiable and XXXX # XXXX - Unverifiable and XXXX # XXXX - Outdated and no verification to support
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Trans Union To Whom It May Concern, I sent a letter to Trans Union dated XX/XX/XXXX disputing an unauthorized inquiry as erroneous, and I have not received a response from them. They have NO proof I initiated such inquiry, nor written authorization, and have failed to provide any permissible purpose. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they had 30 days to investigate the dispute. If they could not verify the information within 30 days, they should have deleted the disputed unauthorized inquiry from my report. 

I have frozen and suppressed All 3rd party information vendors since Summer 2020, including XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX. TRANS UNION MUST VERIFY THIS UNAUTHORIZED INQUIRY DIRECTLY WITH THE COMPANY LISTED BELOW, NOT WITH 3RD PARTY DATA MINORS. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. The following inquiry is unauthorized : XXXX XXXX XXXX XXXX VIA XXXX  XXXX  Attached you will find copies of my 3rd party vendor proof of suppression and the demand to comply package sent to Trans Union. 

Sincerely,
Product: Checking or savings account

Trying to link my PNC account with XXXX investments with no avail, continually errors and says to fill out this complaint.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/year> ] and followed up on [ XX/XX/year> ]. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay. 
XXXX. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
XXXX. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.