23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

To Experian Escalation Department : I ( not a credit repair company ) have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the  consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I ( not a credit repair company ) am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX XXXX XXXX  XXXX XXXX XXXX never late XXXX XXXX XXXX  XXXX never late XXXX/XXXX XXXX not mine XXXX/XXXX XXXX   XXXX not mine XXXX/XXXX XXXX not mine Additionally, Experian has systematically and maliciously changed items on my credit report to lower my score. 

XXXX. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. 
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file, please notice your internal Report Number. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! Ability Recovery Services LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section 609 [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. 
Accounts : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX 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 a victim of trafficking, and the information listed below on my credit report is a result of that trafficking : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXXXXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.
Product: Credit reporting or other personal consumer reports

I had a Belk account, Care Credit and TJX credit card with Synchrony bank. On XXXX XXXX I filed bankruptcy. Never had a late payment or missed a payment with neither company. On XX/XX/XXXX I emailed them and mailed them a Goodwill removal letter asking them to remove the charge off on the three accounts. I received a letter on XX/XX/XXXX from XXXX XXXX XXXX XXXX stating that she would not honor my request in correcting my credit report. In her letter she states that I had outstanding balance on XX/XX/XXXX of {$93.00} and was charged off 8 months later in XX/XX/XXXX. I looked back on my credit report for XX/XX/XXXX. I had a balance of {$82.00} which I paid off. Also at the time of my bankruptcy in XXXX of XXXX. I had a balance of {$64.00} that was owed. Please submit and mail to me correspondences showing where you attempted to collect on the debt that you claim that I refused to pay on. 

Same as with the Care Credit, the balance that I left owing {$1000.00} I was never late or missed a payment. Also with this account I never received any correspondence to collect on this debt nor a phone call about the balance. 

As of XX/XX/XXXX my TJX account was {$310.00} not {$440.00}. On this account I was never late or missed a payment. XXXX XXXX is lying she didnt not thoroughly investigate this matter. I will attach copies of my credit reports with the balances at that time. Also Im requesting to see correspondence showing that Synchrony Bank tried to collect on the debt of the three accounts.Showing the several attempts that they connected me. I would like to see phone records and mailed correspondences. 

Account numbers Belk ending in XXXX CareCredit ending in XXXX TJX rewards XXXX As I requested in my first letter to them I am writing to respectfully request that you consider removing the charge-off on my credit report for the above-referenced account.

607 ( b ) of the FCRA if it reported a discharged item as a charge off when it was in fact not charged off.

Section 607 ( b ) of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' You state you are obligated under the FCRA to provide truthful and accurate information. Which you are in violation of because you are reporting inaccurate information. I would like it to be removed. Also remove the Care Credit account from my credit report its showing that it is open and reflecting a balance,
Product: Debt collection

XXXX XXXX XXXX BLUE XXXX XXXX XX/XX/XXXX XXXX XXXX NV XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, I am writing to dispute the following unauthorized credit inquiries on my credit report. According to Section 604 of the Fair Credit Reporting Act ( FCRA ), credit inquiries can only be made with my explicit consent. I have identified the following inquiries that I did not authorize : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX XXXX XXXX XXXX, XXXX 5. XXXX XXXX XXXX XXXX, XXXX 6. XXXX BANK XXXX XXXX - XX/XX/XXXX 7. XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX - XX/XX/XXXX 9. XXXX XXXX XXXX - XX/XX/XXXX I request that you investigate these inquiries and provide me with the details of the entities that made these inquiries, including their contact information and the purpose of the inquiries. If these inquiries can not be verified as authorized, I request that they be removed from my credit report immediately. 
Enclosed are copies of my credit report highlighting the disputed inquiries. 
Please reinvestigate this matter and update my credit report accordingly. I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely,
Product: Debt collection

I have been receiving calls for months from XXXX XXXX XXXX XXXX XXXX XXXX. A recorded message is asking for a XXXX XXXX. I do not know this person! 
After getting these calls for weeks, I finally called them and asked them to take them off of their calling list. They refused because I would not provide them with my personal information. I am XXXX   with XXXX XXXX so it is difficult for me to get to the phone. I don't need these calls! They call very often. I have a very small CID, but I have that this month alone, they called on : XX/XX/XXXX @ XXXX PM, XX/XX/XXXX @ XXXX PM XX/XX/XXXX @ XXXX PM XX/XX/XXXX @ XXXX PM XX/XX/XXXX @ XXXX PM Yes, dates are correct XX/XX/XXXX @ XXXX PM XX/XX/XXXX @ XXXX PM XX/XX/XXXX @ XXXX PM During this month, our phone / internet service has gone out on occasion with XXXX, so I don't know if they attempted to call more frequently or not. I do know that my sister-in-law XXXX XXXX and we were in a different state for a couple of days in early XXXX and when we returned there were several calls at that time. I don't know what else to do, since they only seem to want my personal information. I do not know these people ( XXXX XXXX XXXX XXXX and I do not know XXXX XXXX XXXX XXXX? XXXX. My husband 's name is XXXX, but I know he has a credit rating over 820 and we have been married for more than 30 years. Our last name ( nor any of his family ) is NOT similar to anything that sounds like XXXX?. I do not know if someone has found our number and given our number out, but I don't even give it out to doctors. I just want these calls to stop and appreciate any help you can provide.
Product: Credit reporting or other personal consumer reports

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act convergent accounts has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open an account with loan pal, or good leap. 

They did not have the correct information of file to even contact me. 

I contacted them on XXXX, XXXX, XXXX trying to get this resolved, but was told theirs nothing they can do. 

I contacted them today, XXXX, XXXX, XXXX to get the contracts they said I signed E-Document, and I asked the gentlemen how do yall know I signed them. He stated we dont know who signs them! That was on a recorded line, and that was around XXXX to XXXX. He once again had the wrong contact information to contact me, and I have gave them the correct information on the XXXX, XXXX, XXXX 

The Truth in lending disclosure statement only has XXXX contact information, so how did I get sent or notified of anything to sign? 

I dont sign anything E-Document. 

Why would I co-sign a XXXX dollar loan for solar panel to a house I dont even own, or have any part of. 

Ive explained to loan pal/Good leap, that this is stopping me from getting my mortgage loan. 

Ive tried many times to have this resolved, with no help from the company. So I am now reaching out for more help to right this wrong.
Product: Debt collection

HCI Healthcare Collections Inc has responded to a complaint I made through CFPB with a violation and you just closed the complaint. 
They say I owe {$750.00} which they reported to the 3 credit bureaus as well negatively impacting my credit score and life. 
On XX/XX/XXXX of XXXX I send them a request for validation of debt letter. They responded on XX/XX/XXXX of XXXX  with a verification letter and an itemized XXXX bill from a XXXX, not a validation of debt. 
On XX/XX/2022 I sent them a request of my consent of HIPAA proving they have the right to have my medical information. They did not respond. 
They responded to the complaint I made to CFPB on XX/XX/XXXX stating they have a signed authorization from me. Opening the file and looking over it I realized they also have my XXXX XXXX authorization, not the HIPAA consent, showing again they are in violation of my rights as a consumer. 
They do not have my consent for them to be in possession of my medical information. 
This has put a stress on my life without them having the legal right to have such information and for them to report it to the credit bureaus.
Product: Checking or savings account

I received the attached letter from Bank Of the West ( BOW ) on XXXX Tuesday, XX/XX/XXXX. The letter threatens to close my accounts if updated contact information is not provided. 

My XXXX XXXX  of my account and contact information shows it to be current. 

I have spoken to the person referenced in the letter, XXXX XXXX ( XXXX ). XXXX had no information and knew nothing about the letter. XXXX referred me to the XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX ) ( XXXX ). XXXX XXXX knew nothing about the letter. XXXX XXXX stated that he would have the regional XXXX XXXX XXXX ( XXXX ) call me that day ( Wednesday XX/XX/XXXX before XXXX  ). I received no call from XXXX and to date have received none. I was provided contact information for XXXX XXXX ( XXXX ) who is said to be XXXX ' supervisor. I called XXXX ( XX/XX/XXXX ) left a message describing the situation and to date have heard nothing. 

The letter ( attached below ) states that my account will be closed XX/XX/XXXX if I do not contact the Bank. 

A very similar letter was issued to me a couple years ago. I was able at that time to speak with XXXX. XXXX stated that the bank had issues with my banking withdrawals, but refused to elaborate or explain their issues. During the conversation with XXXX, I suggested that some of the BOW questions regarding my banking transactions seemed to be XXXX  driven as the transactions in question were for both XXXX names, XXXX being " XXXX '' and XXXX being " XXXX '' while regular transactions of " XXXX '' " XXXX '' and " XXXX '' were not questioned at all and were of lesser amounts. When I suggested to XXXX that this appeared to be some kind of XXXX XXXX, she became very agitated and stated that our conversation was over and there was no XXXX XXXX for my complaint. The closure threat was terminated with no explanation, or apology or further contact from the bank. 

The bank states in the letter that they were " ... ... ... .unsuccessful in our multiple attempts to contact you .... '' I received no notices from XXXX, they have my phone numbers and my email address. 

I am so frustrated that a " legitimate '' financial institution can/would issue a letter that no one in the organization has any knowledge about and there are no notes attached to my accounts. AND there has been no response of any kind after I am sent a letter threatening to close my accounts. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

I added month into Skrill but when I went to transfer it to my debit card or bank account, my account went to restricted. Ive done everything they asked and they have even said I did everything they asked but still wont release my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report so I am able to purchase a home for me and my family .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items as soon as possible : I noticed this problem in XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am

filing a complaint ag ainst 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 f
or those violations.
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I initiated an online money transfer to XXXX of the amount {$130.00} via Moneygram. Initially, it showed a fee of {$5.00} and then I applied a coupon and fee was reduced to {$2.00}. At the end of the processing, I received a receipt from Moneygram ( also available at their website ) which clearly stated total amount as {$130.00} including fee ( {$130.00} transfer amount + {$2.00} fee ). For your information, I selected funds to be taken from bank which has {$0.00} processing fee. 
Next day XX/XX/, Moneygram charged my bank account ( XXXX XXXX XXXX ) an amount of {$130.00}. I noticed a discrepancy of {$3.00} ( although amount is small but it's a matter of principal ) and contacted Moneygram about this issue. Moneygram wasted an hour of mine and told me I owed only {$130.00} but they don't know how I got charged more. They told me to ask bank and bank told me that it's Moneygram 's issue because they are charging me more. Long story short, I am out of {$3.00} and Moneygram keeps pointing fingers at others. 

I have a receipt from Moneygram and a bank statement both at hand and I can show you anytime. Thank you so much for your time and I look forward to hearing back from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing Experian letters since XX/XX/2020 ( 8 letters ) disputing XXXX XXXX  on my credit report. The account is not mines never was. They never sent any prove it was mines when I asked they always send same reply its verified. The question is how is it verified when XXXX  and XXXX both removed it from my credit reports saying it could not be verified but Experian keeps saying something different. I even sent them the letters from the other agencys showing they could not verify the debt and that they was removing it.
Product: Debt collection

Credence Resource Management is calling my employer and my work phone number on a consistent basis. Please make them stop
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and I have no idea why they're there. I routinely check my report, but this time there were sudden and unexplained discrepancies. I even refreshed my browser multiple times, thinking it might be a glitch, but the unauthorized inquiries remained. I'm really frustrated and need this issue addressed immediately. Please review the documents I've submitted thoroughly so that I dont have to worry about this happening again.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus once again that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXXXX/XX/XXXX ''