23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom It may concern, I request validation of this debt per Texas  Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 Please note XXXX, XXXX, and XXXX  are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. 
Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files.

I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response immediately Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 currently have a Wells Fargo checking account and opened a IRA brokerage account with XXXX dollars so I can start a retirement fund and after 1 week Wells Fargo terminated my account with no reason giving to me and said that I will be charged a XXXX dollar fee for termination and my XXXX dollars in there will go towards that fee this is not right to me and very unethical
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report XX/XX/XXXX and found that someone obtained credit in my name XX/XX/XXXX and applied for numerous amounts of credit so I contacted XXXX and Trans Union and XXXX about several incorrect addresses and unauthorized inquires on my credit report. The last letter sent was XX/XX/XXXX. I want the unauthorized inquires deleted and fraudulent addresses deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I have some addresses and some inaccurate items on my credit report that needs to be fix. I need the following addresses removed from my report they are not mine : XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX , XXXX, MD XXXX My name is XXXX XXXX XXXX, please remove any other spellings of my name. 
the following phones numbers are not mines please delete : ( 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 complained to Exeter Finance LLC multiple times stating that I am a victim of identity theft I even sent out letters multiple times without getting a response they have yet to remove the negative report that's heavily impacting my credit nor did they get back to me via mail.
Product: Credit reporting or other personal consumer reports

I received a renewal notice dated XX/XX/2024 from my automobile insurance company ( XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX ), It said it was raising my monthly premium from approximately {$67.00} to {$98.00}, based on consumer reports provided by LexisNexis Risk Solutions, Inc. ( XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX XXXX, XXXX XXXX XXXX  ). It said that under the Fair Credit Reporting Act, I had the right to request a free copy of the report within 60 days of receiving the notice to dispute the accuracy or completeness of the infrmation. I immediately went to the online address given and submitted a request for a copy of their report. 
I never received XXXX. So I telephoned and filled out a request for a copy of the report over the phone. 
I received a letter from LexisNexis dated XX/XX/2024, It said it was unable to authenticate my identity and therefore can not process my request, It gave several reasons why the authentication process may have been unsuccessful, none of which applied to me. They had no problem with any of my answers when I was filling out the application. It gave items of information it needed to assist in the authentication of my identity, all of which I had provided to them twice. 
I think they just don't want to send me a copy of my report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received a FCRA Adverse Action Letter for denial of a rental unit I was applying for. Along with the rental 's management company, I was denied due to past negative rental history, which is false. 
I am out another {$50.00} application fee for rental and my housing rights are being harmed! I can not get rentals and or purchases now. I owe nothing to a prior landlord, I received XXXX funding ( XXXX XXXX ) and have bank and payment portal receipts.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXXXXXX XXXX XXXX, the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXXXXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the XXXX XXXX XXXX and they are saying that this bankrtupcy does not associate with my name or address. XXXX and XXXX have already removed it.
Product: Debt collection

My credit report is showing an account in collections that was opened on XXXX XXXX, 2013. The company name is Jefferson Capital Systems. I have never received any documentation or telephone calls from this company. I submitted a dispute to XXXX and I have yet to receive any documentation regarding the origination of this debt that is in collection.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has failed to provide validation information as required by law but has proceeded to report the collection account on my consumer report. This action has deprived me of the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Use of False, Misleading, and Deceptive Means : XXXX XXXX has engaged in false, misleading, misrepresentation, and deceptive practices in their collection attempts, which is a clear violation of consumer rights. 
Failure to Provide Required Disclosures : Portfolio Recovery has furnished accounts to consumer reporting agencies without providing the necessary disclosures as mandated by law, thus violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 
I urge the Consumer Financial Protection Bureau to investigate these violations thoroughly and take appropriate enforcement actions against XXXX XXXX. I also request that any negative reporting related to this disputed debt be removed from my consumer report until a valid verification is provide.15 U.S Code 1692c ( identity theft. They are the original creditor, This is an attempt to collect a debt all illegal. They havent validated anything
Product: Credit card

We received a letter from our credit card company ( Chase ) stating that we were a risk to the reputation of their financial institution and our account was being closed. This was especially alarming due to the fact that when we tried to call about our mortgage ( with the same company ), the company was unable to verify our identity. I tried to inquire about how I could make sure I was n't being hacked and received zero help. We tried to contact the service number linked to our credit card about our account being closed and not a single person would give me more information than " I was a risk to their financial reputation ''. The only answer we got was that they had the right to close an account at any time and they were unable to give us any other information. Frankly, the representative we spoke with was extremely rude. We tried to talk to her boss and was told that she was the boss and no one was over ( even the CEO when we asked about that ). That is alarming in itself. We called three different times with no response. My concern is that we are being identified incorrectly and we are unable to get any further assistance from the company in finding out what is going on with both our accounts. We have the right to know why they are making these decisions and why they ca n't verify our identity on our mortgage over the phone. Chase has been the worst company we have experienced working with. We are both high-standing citizens, have good credit, pay our bills on time, and also respect our reputation. We do n't feel that being blacklisted over something we are pretty sure we did n't do, is appropriate. The company is un-willing to communicate with us over this matter and I feel that they are very disrespectful to their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX hard inquires, 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 an account without my written instructions. TransUnion Hard inquiry - XXXX XXXX XXXX XXXX XXXX Other.
Product: Credit reporting or other personal consumer reports

I submitted disputes with XXXX, XXXX, and Transunion as well as a complaint with the CFPB about charge off accounts listed on my credit reports. Each of these companies responded that those accounts were verified. Reporting these accounts are violating my federal rights because charge off accounts should reflect a {$0.00} balance. Furthermore, there is no way that these accounts are are verified to belong to me. Please provide me the method of validation that was used to determine that this information is factual.
Product: Credit reporting or other personal consumer reports

I REQUEST, PURSUANT TO FCRA 605B 15 USC 1681 C-2, THAT THE EXPERIAN CREDIT REPORTING AGENCY BLOCK ALL THE ACCOUNTS, COLLECTIONS AND HARD INQUIRIES IDENTIFIED IN THIS CFPB COMPLAINT FROM MY CONSUMER CREDIT FILE WITHIN 4 BUSINESS DAYS OF RECEIVING SAID COMPLAINT. I REQUEST THAT ALL WRITTEN CONFIRMATION REGARDING THIS CFPB COMPLAINT BE SENT TO ME VIA EMAIL TO THE EMAIL ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

1. ) I have requested it in writing with appropriate identification that they remove. The fraud alert that they are reporting on my credit report. They have refused to remove it.

2. ) they refuse to remove addresses that I am not nor have ever been associated with and specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover credit card account : XXXX or my last 4 ssn # XXXX was originally opened by me solely. In XX/XX/2015, when my home was burglarized, a charged alert email/text informed me that someone was using my Discover Card at the next city over in XXXX ( I was living in XXXX XXXX and a copy of the XXXX City Policy report attached for this identity theft ). It was then that I realized that my cards including my passport and social security card ( that were in a portable safe ) were stolen. 

I called Discover card within hours of my home burglary and informed that my identity will be compromised due to the items that were stolen on the SAME day of the incident. 

My credit have been compromised and credit reporting from Discover Card does NOT reflect that the charges and balances were from someone else using my identity because they stole all my valuables in my home. 
Please removed the negative credit reporting fr
om Discover Card from my credit reporting to reflect that my identity was stolen from the police report and FTC report. 

Thank you and I appreciate your help with this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

WEST ASSET MANAGMENT ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you WEST ASSET MANAGMENT or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : WEST ASSET MANAGMENT or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SS # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I recently reported to the credit bureau that they are reporting wrong information on their credit report. After paying my monthly XXXX bill on time for approximately 14 years I notified XXXX on XX/XX/2023, I was moving out of state and requested my name be removed from my account. XXXX agreed to do this because my wife was remaining at the address, and she wanted to continue using XXXX and continue to pay the monthly bill. Although my name should have been removed on XX/XX/2023, XXXX failed to do this and continued to send my wife the monthly bills under my name. My wife contacted XXXX and they did not correct their error until XX/XX/2023. XXXX sent an email acknowledging their error and backdated the transfer date to XX/XX/2023. Included in my correspondence to you is a copy of the XXXX email acknowledging their mistake. My wife had enrolled in XXXX autopay and XXXX deducted each monthly payment from her checking account. XXXX even changed the account number. I have also included the monthly bills past the date when I was removed from the account. I have tried to correct the account with XXXX, but they do not allow me to talk to the person who will be conducting the investigation to explain the situation. You have to speak to a clerk who does not do the investigation and only says you are disputing the bill. I have also reported to the XXXX major credit bureaus that I do not owe XXXX any money, but the credit bureaus has not corrected or removed the negative reporting. As a result of XXXX actions and the credit bureau my XXXX score has been significantly reduced, probably raising the cost of my insurance and ability to obtain better interest rates. I am requesting your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

Dear XXXX/TransUnion/Experian, I am writing to formally demand the immediate removal of unauthorized credit inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), only inquiries that I explicitly authorized should be included in my credit file. 

I have identified the following inquiries as unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were made without my consent and are negatively affecting my credit profile. As such, they constitute a violation of the FCRA. I have already filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter.

I am requesting the following actions : 1. Provide verifiable evidence of my authorization for each of these inquiries, including signed documentation or proof of digital consent.

2. Remove all unauthorized inquiries from my credit report immediately.

Failure to resolve this issue promptly will leave me no choice but to escalate further by : Filing additional complaints with my states Attorney General.

Pursuing legal action for damages resulting from these unauthorized inquiries.

I expect a response and resolution to this matter within 7 days of this email. Please confirm in writing when the unauthorized inquiries have been removed or provide evidence supporting their validity.

Attached to this email, you will find : A copy of my government-issued ID.

Proof of address.

A copy of my credit report with the disputed inquiries highlighted.

Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX