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

In accordance with the fair credit reporting act XXXX XXXX  Acct # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A-states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Account was in forbearance while it was being restructured was never late and now everything is up to date please assit.
Product: Checking or savings account

I have previously banked with Chase Bank, and had both a personal account and a business account. I currently still have a personal account. 

This company has taken over XXXX in fees within all of my accounts since Covid. Overdraft fees and monthly service fees. I have tried on numerous occasions to get fees waived. The results are they remove such a small amount or don't do anything at all and state it's past their approval limits. 

I finally gave up when my accounts were overdrawn primarily due to the fees i have consumed and I couldn't maintain my account due to the excessive fees I've owed.
Product: Credit reporting or other personal consumer reports

I want the accounts listed deleted. the accounts are affecting my ability to obtain credit. 
XXXX account # XXXX date opened XX/XX/year>. It shows close on transunion and XXXX but open on XXXX. doesn't have the correct date it was open.
Product: Debt collection

Jefferson capital is attempting to garnish my wages for a debt I have no knowledge about
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX i was a victim of Fraud i reported it to the XXXXXXXX XXXX XXXX After that ive noticed account on my Personal Credit Report. I sent in the Police report to the 3 credit Bureaus with the accounts in question that needs to be removed but for some reason they want remove said account ive been going back & Forth with XXXX, Equfiax, & XXXX for 8+ Months with minium removals & XXXX sent a letter saying it want investigate any further & Sending all the stall type letter to me. 
This has started to be very stressful. I thought XXXX, XXXX XXXX Equifax was here to help the consumer i guess not, so now i reaching out to you the FTC/ CFPB
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance Owed : {$0.00} CXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$79.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$1100.00} XXXX  XXXX Balance Owed : {$740.00} XXXX XXXX  Balance Owed : {$380.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my Numerous endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion, XXXX, and XXXX for failing to resolve inaccuracies on my credit report. Despite multiple attempts to request a re-investigation, the incorrect information remains on my credit report. The previous complaint was closed, yet no action was taken to correct the discrepancies. 

I believe these credit bureaus are in violation of the Fair Credit Reporting Act ( FCRA ), specifically : FCRA Section 1681i They failed to properly reinvestigate the disputed information, leaving inaccurate details on my report. 

FCRA Section 1681e ( b ) The agencies have not ensured the maximum possible accuracy of the information reported, as the inaccuracies still persist.

FCRA Section 1681i ( a ) ( 1 ) ( A ) No appropriate investigation or resolution was conducted after my dispute, violating my rights under the FCRA. 

These failures have resulted in inaccurate reporting, and I request that the CFPB investigate the matter and take corrective action to ensure the credit bureaus comply with the law.
Product: Credit card or prepaid card

US Bank Reliacard is in violation of Reg E. There are security issues with Reliacard. I gave had to get replacement cards and pay rush fees. US Bank Reliacard violates Reg E by not investigating my fraud claim, and simply closing without investigation to avoid giving provisional credit and to avoid investigating.

Twice now, the card has been compromised with XXXX transactions that I did not authorize. Reliacard complied with Reg E the first time fraud happened and they resolved in my favor. However, US Bank Reliacard did not stop XXXX the second time and did not notice the fraud. 

The exact same circumstances occurred again with XXXX, and I tried calling them but it took two days to reach US Bank Reliacard. The fraud was reported on XX/XX/2020. 

Despite knowing that I've been the victim of fraudulent XXXX charges in the recent past, this time, US Bank Reliacard did not even investigate and did not provide me with provisional credit within ten business days in accordance with Regulation E. The investigations can take up to ninety days, but to avoid complying with Reg E, US Bank Reliacard closed it to avoid investigating and to avoid provisional credit.  US Bank Reliacard found XXXX charges were fraud and resolved in my favor a month earlier, yet they ignore the preponderance of evidence and don't even investigate.
Product: Debt collection

Hello, On XXXX XXXX XXXX I received a phone call from Portfolio Recovery Associates LLC. In reference to an Account from XXXX XXXX Bank. I notified their office I had been in communication with XXXX XXXX XXXX for over 6 months disputing this account as this account was closed back in XXXX. XXXX XXXX bank could not verify these records and the account was removed from my credit file. I requested Portfolio to send validation/verification of this account on XXXX XXXX XXXX, On XXXX XXXX XXXX I received a letter requesting I send them all of my information? I have no idea who Portfolio Recovery is and quite frankly it is not my obligation to provide personal information when they are required to validate the account within 30 days. I sent another letter dated XXXX XXXX XXXX again requesting validation/verification of this account ( I just months 6 months with XXXX XXXX over this process ) and on XXXX XXXX XXXX Portfolio Recovery sent a letter stating they terminated my investigation. I did n't ask for an investigation I wanted validation/verification from their records. This account has NOT been verified yet when I dispute it with XXXX, XXXX, and XXXX, Portfolio verifies the account as valid and continues to report this account each month. 
I have sent a format request for validation in return nothing has been sent and collection attempts continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent out a certified letter with proof of identification to XXXX  in regards to removing the unverified accounts XXXX XXXX {$8400.00} XXXX XXXX XXXX XXXX XXXX - {$2700.00} Balance from my credit. the listed items are entirely inaccurate and incomplete & represents a very serious error in XXXX 's reporting, I asked to see Verifiable Proof ( a original Consumer Contract with my Signature on it ), in which They are required by federal law to verify FCRA ( Section 609 ( a ) ) They did not provide me with a proof of verification, they replied stating that they have verified the information without the proper document. On XX/XX/2018 I sent out a 2nd letter Stating that they have not removed the items that have not been verified which is required by law and they have had 30 days to investigate in which law requires removal of unverified accounts if unable to verify. As a gesture of my goodwill before litigation if needed, I will restate my dispute. The following information needs to be verified by the credit reporting agency, following failure to verify, deleted from the report as soon as possible.
Product: Debt collection

They said I owed more than I do!!! And then after they stop picking up my they give me a Service interrupt charge of {$35.00}, and didn't start my service back!!!! Charge me {$35.00} if you are continuing services but not if you stop!!!! I have several letters from them and there's nothing about a back payments being missed!!! Until after they cut me off!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do they report my name wrong in this report. They have the wrong person in these accounts please use my correct name as my drivers license and social sec XXXX XXXX XXXX the other person is not me. Please REMOVE NOW *** Violation of My Rights under the FCRA and Failure to Provide Method of Procedure in Adverse Action*** I am writing to address an ongoing issue with XXXX, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I have made multiple attempts to correct a problem regarding certain inaccuracies on my credit report, but XXXX has consistently failed to provide the necessary information despite my valid proof. This continuous failure to comply with the FCRA 's rules of procedure has compelled me to bring this matter to your attention, and I kindly request your immediate action to resolve this issue. 
As a consumer, I have the right under the FCRA to request and receive certain information from consumer reporting agencies, such as XXXX. This includes the right to obtain copies of my credit reports and the ability to investigate and dispute any inaccurate or incomplete information contained within them. The FCRA further stipulates that consumer reporting agencies must respond to these requests within a reasonable timeframe and provide a method of procedure for resolving adverse actions. 
Please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX Account XXXX : XXXX Delete this account. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Delete this account. 
there is some inaccurate information reporting. 
Employer is not ; SSI Address is not mine XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX
Product: Credit card

A while ago I applied and was approved for a XXXX XXXX XXXX card issued by BBVA Compass bank. The most compelling feature of this card that was, was 5 % back in reward points ( BBVA Compass call it TripleDouble Rewards points ) on all purchases during the XXXX All Star weekend ( usually happens in XX/XX/XXXX XXXX Two Weeks of XXXX Finals ( usually happens in XX/XX/XXXX ). So XXXX Two Weeks of Finals starts in XXXX XXXX and I start increasing my usage of the card to finally take advantage of the 5 % back in reward points, but BBVA Compass suddenly put a hold on my card and freeze it. I understand that this happens because banks may have security or fraud concerns, but this should get resolved by a call or otherwise by confirming the validity of transactions in a reasonable amount of time. It did n't work like that for BBVA Compass, they liked to keep my card on hold while the XXXX Two Weeks of Finals were passing and the account is still on hold. They included a feature in the Reward program they they advertised that convinced but when the time to use that feature arrived, they did n't let me use it. This is bait and switch.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App Failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

This is a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. This is NOT a request for verification or proof of my mailing address. I am requesting that Williams Rush and Associates provide me with competent evidence that I have any signed binding contract giving Williams Rush & Associates legal obligation to collect and alleged debt.

Without any prior written notice from Williams Rush & Associates, my credit was adversely impacted. If this agency continues to report invalidated information to the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark from Williams Rush continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against Williams Rush & Associates.
Product: Debt collection

I had obtained an installment loan with One Main Financial ( formerly known as XXXX ) approximately in XX/XX/2016. Upon default due to hardship, One Main had continuously and repeatedly contacted myself on numerous occasions after reporting my financial status to them. Fortunately, after speaking to a supervisor ( XXXX XXXX ) and informing her my status we were able to come to terms of making an reasonable solution : pay a portion of the balance. While speaking to XXXX XXXX I was able to provide all necessary banking information such as banking account number and routing number, and informing her the timeline of when the money can be debted from my checking account so that the account status can be satisfied. However, on today 's date, I had received once again an unexpected call from a representative from One Main requesting for myself to make a payment over the phone. I had even at XXXX point requested from One Main to cease and assist with phone calls due to stress and aggravation that representatives were afflicting upon me. 
Again, I plan to pay the amount owed on the given day the money becomes available, however, I am asking for assistance from the Federal Trade Commission to stop with unwanted calls as I am construing this as a form of harassment now. 

Thank you for your time into resolving this matter on my behalf.
Product: Debt collection

My name is XXXX XXXX, I am a victim of identity theft. I am being claimed that I owe AMSHER COLLECTION SERVIC provided to collect debt for XXXX XXXX XXXX. I have never heard of XXXX XXXX XXXX, and I don't know why someone would use my name and social to make an account with them on XXXX XXXX with the original balance of {$1000.00} with the collection balance of {$690.00}.
Product: Debt collection

I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX  ) to protect my privacy and medical records from third parties. I do not recall giving permission to ( XXXX XXXX XXXX XXXX ) for them to release my medical information to a third party. I am aware that the HIP AA does allow for limited information about me, but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization Please provide a breakdown of fees including all collection costs and medical charges Please provide a copy of my signature with the provider of service to release my medical information to you Immediately cease any credit bureau reporting until debt has been validated by me Please respond by sending this information and accept this notice as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 
Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 
I await your reply with the above requested proof.
Product: Debt collection

Dear Spring Oaks Capital ; Synchrony Bank ; & Cfpb ; I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter.

Legal basis for your collection of this information and debt.

Evidence of your authorization to operate in this state.

Proof of the alleged debt, including contracts or instruments bearing my signature.

Complete account history, including collection-related charges.

I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations.

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.
Product: Checking or savings account

I have been involved with multiple fraud alerts back to back, just terrible to timing, but XXXX XXXX in a high crime area, XXXX Michigan. First fraud was a web leak I think, that got resolved. The second one happened about a week after, someone got my debit card Information somehow and withdrew all of the money in my account and spent additional money sending me in overdraft. The withdraw happened in New York, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the time. I think the fraud happened at a gas station where I used my card on XXXX. 

The following are the fraudulent transactions : XX/XX/XXXX : - {$63.00} at XXXX XXXX XXXX, XXXX XXXX, XXXX - {$500.00} withdraw, XXXX XXXX, XXXX - {$3.00} balance inquiry, XXXX XXXX, XXXX - {$3.00} foreign atm fee, XXXX XXXX, XXXX XX/XX/XXXX : - {$28.00} at XXXX, XXXX XXXX Plus overdraft fees because it was all of the money I had, that being {$35.00} overdraft fee
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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 researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX/www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, DEPTEDXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, DEPTEDXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$440.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5800.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : {$130.00}. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was several attempts made to open accounts with different lenders. All of those attempts were fraudulent as i did not apply for them however now all of those are showing up as hard inquiries on my credit report. I have already filed a Fraud Alert with XXXX  and they mentioned that they also send the alert to the other credit companies like XXXX. I also called XXXX to file a dispute with them and the file # is XXXX. 
My goal is to get all of the inquiries removed from my credit score  as i did not apply for any of these accounts. These inquiries have already hurt my credit score and i would like to make sure they are removed since it was not me who applied. 

XXXX : 1. XXXX - OCT. XX/XX/18 2. XXXX/ XXXX. - XXXX XX/XX/18 3. XXXX  XXXX - XX/XX/18 4.   XXXX Bank - XX/XX/18 XXXX : 1. XXXX XXXX Bank - XX/XX/18 2. XXXX , XXXX - XX/XX/18 3. XXXX  XXXX Bank XXXX - XX/XX/18 4. XXXX/ XXXX  - XX/XX/18