23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX Account NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX 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 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 inaccurate.
Product: Checking or savings account

I opened an online account on XX/XX/2021 and deposited a check of XXXX into a check account, I went to the bank the next day and deposited a check for XXXX into a savings account immediately after the teller deposited the check she told me there was a hold the account. I was told I needed to call a number and find out what the problem was. I stayed in the bank and called the number from my cell phone. The person that answered told me they were having a problem verifying my identity and I needed to go to a local institution and verify my identity. Since I was already there in the bank I sat with a young lady named XXXX and verified my identity showing my drivers license and another bank card from a different bank after that I was told there was no longer a hold on the account but I would need to open up two new accounts so that when my money was available I could do a transfer even though I didnt have access to the account. They told me it would be available after midnight and to come back tomorrow. I came back the next day and my funds still werent available and I was told when they were the bank manager would do an executive transfer so I would not have to come back. I checked the account this morning and my funds are not available. This is the fourth day and I wasnt called back or notified about anything
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTING FTC VIOLATIONS ATTACHED AND ENCLOSED IN THIS DISPUTE : XXXX XXXX is urging the FTC to investigate XXXX over concerns that it played a role in the massive XXXX  XXXX data breach that affected 100 million people Sens. XXXX XXXX ( D-Mass. ) and XXXX XXXX ( D-Ore. ) urged the Federal Trade Commission ( FTC ) on  Thursday to investigate whether XXXX  failure to secure its servers, which resulted in a breach that exposed the personal data of 100 million Americans, was a violation of federal law. 

XXXX and XXXX wrote in a letter to FTC Chairman XXXX XXXX on Thursday that XXXX knew, or should have known that their XXXX XXXX XXXX ( XXXX ) cloud server, which the company rented to XXXX XXXX to store data, was vulnerable to cyberattacks. 

The massive data breach was revealed in XXXX when XXXX XXXX announced that an individual was able to gain access to the data of both credit card customers and those who had applied for credit cards. The data of 6 million XXXX  was also included in the breach, with some Social Security and credit card numbers among the compromised data.
Product: Debt collection

Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

U S code 15 act XXXX XXXX XXXX account was placed with a collection agency but XXXX XXXX still appears on my credit report
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to properly investigate and resolve inaccuracies in my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

On XXXX XXXX, XXXX, I submitted a formal dispute regarding inaccurate information on my credit report. Experian acknowledged receipt of my dispute on XXXX XXXX, XXXX, and on XXXX XXXX, XXXX, I was notified that they were reviewing the matter. Experian continued to send updates on XXXX XXXX, XXXX, and XXXX, XXXX, stating the investigation was ongoing. On XXXX XXXX, XXXX, Experian notified me that the dispute was " completed '' and the information in question was " verified. '' I believe Experian failed to conduct a reasonable investigation as required by the FCRA. Dissatisfied with their response, I sent a second dispute letter dated XXXX XXXX, XXXX, and mailed it on XXXX XXXX, XXXX. However, Experian replied with a notice stating that the request did not appear to come directly from me or to be authorized by me, despite the fact that all communication was sent from the email address listed in my Experian account. This is a recurring issue with Experian, as they frequently use this tactic to dismiss my disputes without proper investigation.

**Key Issues : ** 1. Experian failed to conduct a reasonable investigation of my initial dispute.

2. Experian falsely claimed that my second dispute was unauthorized, despite receiving it from the email on file with them.

3. Experians repeated failure to handle disputes properly is causing me financial harm and significant distress.

**Resolution Sought : ** I am requesting the CFPB to : 1. Ensure Experian conducts a thorough reinvestigation of the inaccurate information on my credit report.

2. Hold Experian accountable for their repeated violations of the FCRA.

3. Require Experian to provide a clear explanation of their verification process and why they claim my dispute communications are unauthorized.

**Attachments : ** 1. Copies of all correspondence with Experian regarding the disputes.

2. Proof of mailing and receipt for my dispute letters.

3. Copies of the emails sent by Experian in response to my disputes.

4. A copy of my credit report with the disputed information highlighted.

I appreciate your attention to this matter and look forward to a resolution. 

Thank you for your assistance. 

Sincerely, XXXX XXXX UCC 1-308
Product: Credit card

XXXX reversed a ligitimate payment on my Barclays credit card on XXXX/XXXX/XXXX totaling {$2100.00}. This payment was authorized by my husband XXXX XXXX on XXXX/XXXX/XXXX after receiving an insurance settlement. We were married and living in the same household on XXXX. XXXX committed adultry and abandoned me financially and i filed for legal separation on XXXX/XXXX/XXXX. My atty. advised me to change my locks, garage doors and security system codes due to I owned the home. I have contacted Barclays on three occassions- customer service, fraud department and customer relations and nothing has been done to help me in this situation. 

I am wanting Barclays to take this reversal off my account and absorbed by their bad debt reserve or take action against XXXX and bring my balance back under my credit limit. I can not afford to pay this or affect my credit score negatively. I have a text message from XXXX XXXX stating that he was well aware of the payment made to this card.
Product: Credit reporting or other personal consumer reports

I have formally requested, via certified mail on three occasions, that Equifax verify the fraudulent accounts appearing on my credit report. I included supporting documentation demonstrating my long-standing experience with fraud on my credit profile. Despite these efforts, Equifax has repeatedly claimed that the accounts have been verified as mine. However, they have not provided any information regarding the methods or documentation used in their verification process.
Product: Credit reporting

Transunion updated my credit information from XXXX, XXXX made errors on reporting my mortgage payments documentaion was provided, however Transunion actually lowered my FICO score after receiving the updated information, none of the other bureaus did this is unfiar and biased and illegal
Product: Debt collection

Subject : Complaint Against Resurgent Capital Services for FDCPA Violations and Failure to Validate Debt Details of the Complaint : 1. Background : I am filing this complaint regarding Resurgent Capital Services failure to provide proper validation of a debt they claim I owe under Account Number XXXX. I have repeatedly requested debt validation in compliance with the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), but the company has failed to provide sufficient and legally required documentation to substantiate the debt. 

- On XX/XX/year>, I sent a formal request for debt validation. 
- On XX/XX/year>, I received an incomplete response that failed to include : - An agreement with the original creditor authorizing Resurgent Capital Services to collect on the alleged debt. 
- A signed agreement bearing my name as the alleged debtor. 
- A complete accounting or itemization of the alleged debt. 
- Any documentation proving my obligation to pay. 

Additionally, I requested verification of Resurgent Capital Services acquisition of the debt, including a complete chain of title and proof that the debt was acquired lawfully. This documentation was also not provided. 

2. Follow-Up : On XX/XX/year>, I sent a second letter reiterating my demand for proper validation and informing Resurgent Capital Services that they were in violation of the FDCPA. To date, I have not received an adequate response.

3. Violations of Federal Law : Resurgent Capital Services has violated the following : - 15 U.S.C. 1692g ( b ) : Failing to provide proper debt validation within the legally mandated timeframe.

- 15 U.S.C. 1692e ( 8 ) : Continuing to report unverified information to credit reporting agencies. 

These violations have caused undue stress and potential damage to my creditworthiness. 

4. Requested Resolution : I respectfully request that the CFPB investigate Resurgent Capital Services actions and hold them accountable for their failure to comply with the FDCPA. Specifically, I request that : - Resurgent Capital Services be required to provide full validation of the alleged debt or cease all collection activities.

- All inaccurate or unverifiable reporting related to this debt be removed from my credit file.

- The CFPB ensure Resurgents compliance with federal laws to prevent future violations. 

Supporting Documentation : I have attached the following to support my complaint : - Copies of my debt validation letters ( dated XX/XX/year>, and XX/XX/year> ). 
- Resurgent Capital Services incomplete response ( dated XX/XX/year> ). 
- Certified mail receipts and tracking information for my communications. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance.
Product: Prepaid card

Amex was offering a promotion ( get {$25.00} back if you spend {$320.00} to buy an Amex Gift Card ). I bought a standard {$320.00} Amex Gift Card, which also had a {$5.00} convenience fee. After receiving the gift card, I tried to use it at XXXX on multiple occasions and at XXXX XXXX ( both via XXXX XXXX and directly ) and all of these options did not allow me to pay with the card ( it seems as though the card was declined ). I was trying to make purchases for less than thee {$320.00} value of the card and everything was still declined. 

Amex will not let me use the card at XXXX or at XXXX XXXX, despite saying that the card should be usable anywhere an Amex card is accepted ( and I have used my Amex cards at both XXXX and XXXX XXXX on multiple occasions ). 

Amex indicated that I can use the card in person at merchants, but the card that was delivered to me was an e-gift card, so I can't use that in person at stores, I'm only able to use it online. I only purchased the gift card from Amex so that I could use it to make an online purchase through XXXX or XXXX XXXX ( both merchants that clearly accept American Express ), and Amex is not allowing the charges to go through. I feel as though Amex has scammed me on this occasion and I am incredibly upset about this I want my {$330.00} back!
Product: Checking or savings account

I have been a member of m and t bank for a while. I was recently charged several XXXX dollars in overdraft fees for purchases on this account. I understand that the funds were not available in my account for the transactions, but I don't think its fair or in the best interest of the consumer to have the fees far surpass the amounts of the purchases. for example I was charged a {$38.00} fee for XXXX, but the amount for the subscription was only {$12.00}. there was a {$38.00} fee for XXXX XXXX, but the purchase was only {$13.00}. I got gas at XXXX XXXX for {$10.00}, and {$5.00}, but was charged a {$38.00} for both of those transactions. when I called the bank to see if there could be any reversals they reversed three of the fees which at that time totaled approximately {$240.00}. She also recommended that I turn off the option to not have transactions post if the funds are not available. a day later I received more fees-although I had not used my card for transactions or made any purchases. I had automatic withdrawals set up that were debited from my account which caused four more overdraft fees in the amount of {$38.00}. I called the bank once again this morning to see what could be done since the fees totaled almost {$400.00}. they removed two more. I feel like this financial institution waits to post charges so that they can intentionally acquire overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Names are inaccurate All those other spellings are inaccurate. XXXX  AND EXPERIAN WOULDNT RELEASE MY FREE REPORT YET THEY POST ON XXXX XXXX  AND OTHER CREDIT INQUIRIES THESE ITEMS I have inaccurate information on my credit report and it is preventing me from obtaining a house and better business credit. I have not done business with these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses need to be removed people are using my name only my current address I want listed I will submit information to all 3 bureaus XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, O-XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX , XXXX, O XXXX XXXX XXXX, XXXX XXXX,
Product: Money transfer, virtual currency, or money service

ID theft transferred my money to ford moto credit comp {$110000.00}, and spent it
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX, So I am here to notify/complain to you through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts within 4 days : XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I was purchasing a pair of jeans at Sears in XXXX, FL. The store associate told me that if I applied for the Sears Mastercard, I would have {$40.00} off my first statement and would only pay {$2.00} for the jeans. Evidence of this is the sales receipt, on which the associate hand-wrote " -XXXX '' and a total amount of " XXXX. '' I applied based completely on that statement. When I received the statement, there was no {$40.00} credit. When I called the credit card company on XX/XX/XXXX, I was told my purchase did not qualify for the {$40.00} credit and I would have to pay {$42.00}. I made that payment on XX/XX/XXXX, so as not to impact my credit rating and to have the account be closed immediately. During that phone call on XX/XX/XXXX I made the request that this account be closed due to fraudulent representation by the store associate. I was told the account would be closed. When I received the credit card in the mail, I did not activate it, and I destroyed the card. 

On or around XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating that the account could not be closed " ... because the request must be initiated by either the primary or joint accountholders, and it was not. '' ( This was obviously not true. ) The letter asked for a signed request. On XX/XX/XXXX, I sent the signed request that the account be closed, and also stated that if I did not receive written confirmation in 10-14 days, I would file this complaint. I have had no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I filed a dispute in regards to the inaccurate items on my report & I haven't received any results. 
There has been unauthorized inquiries, and unverifiable accounts reporting on XXXX Transunion and on my XXXX  report. My letters seem to have been disregarded because I havent reviewed results or proof.
Product: Checking or savings account

I was scammed by a breeder who asked me to pay by XXXX and did a bait and switch with her contract I never signed. 

My attorney wrote a demand letter and Ive submitted two claims to Wells Fargo their executive team has declined. Ive asked in both instances for Wells Fargo to allow me to submit documentation and they failed to do so siding with the breeder.

Im holding Wells Fargo complicit to the breeders crimes and filing a complaint. I want my money back as I dont want to have to escalate this to an attorney!
Product: Credit reporting or other personal consumer reports

This dispute is involving XXXX XXXX XXXX, once again. On XX/XX/XXXX, att sold my personal information to XXXX XXXX XXXX XXXX XXXX for a closed internet account. I closed the account because I was moving in XXXX of XXXX. I made payment arrangements with att to pay on my bill each month. My first payment was in XXXX and XXXX, along with att put my account in collections. As stated then, I was making payments to att, you can't do that. 
Well, it is XX/XX/XXXX, and att has yet again sold my personal information to another company named Sunrise Credit Services. Well, the problem again is that I'm still paying att at the store, and you can't do this. This is the XXXX time having this issue with att and its frustrating. Secondly, att has no permission to sell my information because I'm opted out of all their services and I'm opted out on all XXXX credit reporting agencies. I also have a credit freeze on all XXXX of my credit agencies. Why does accounts keep popping up on my credit reports. 
As stated on XX/XX/XXXX, XXXX needs to be deleted immediately from my credit report because I have proof of payment to XX/XX/XXXX Also, I reported att, XXXX and XXXX to experian yesterday, XX/XX/XXXX for this discrepancy to be deleted from my credit report and they agree Furthermore, if it is on my XXXX andXX/XX/XXXX, it needs to be deleted from their As well.
Product: Credit reporting or other personal consumer reports

The Executors reviewed the surety report and identified multiple cases where the report was accessed and shared without proper authorization. The mentioned accounts did not receive approval to access the XXXX surety report, and there was no direct benefit received by us. The credit accounts in question were not authorized by the XXXX XXXX XXXX XXXX XXXX and are considered nonconsensual. We do not recognize these inquiries, and unless you can furnish a copy of the authorization by the XXXX, we request the immediate deletion of all listed accounts. 

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