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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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  -- - UNAUTHORIZED INQUIRY 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting 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 : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove 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. XXXX XXXX Balanced : {$87.00} XXXX XXXX XXXX  Balanced : {$140.00} XXXX XXXX XXXXXXXX Balanced {$77.00} XXXX XXXX XXXXXXXX Balanced {$99.00} 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 XXXXXX/XX/XXXX
Product: Debt collection

I am writing to formally request validation of the debt you claim I owe pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I recently received a communication from your office regarding an alleged debt, and I wish to ensure the validity and accuracy of this claim before proceeding further.

To facilitate this process, I respectfully request that you provide the following : Proof of Assignment or Ownership : A copy of the original assignment contract or agreement that demonstrates your legal right to collect this debt. 

Complete Payment History : A detailed and itemized statement of the entire payment history, including any charges, payments made, and any applicable interest or fees. 

Proof of Debt Sale : Documentation outlining any sale or transfer of this debt, including references to the specific laws or agreements under which the sale or transfer was conducted. Please include evidence that the sale or assignment was in compliance with applicable state and federal laws. 

Cease and Desist Request : I request that you cease all communication with me until the requested documentation is provided, as allowed under 15 U.S.C. 1692c ( c ).

Additionally, please confirm whether your organization or any affiliated entities have sold or transferred my information to any third parties, including credit buyers, and provide details of such transactions if applicable.

This letter is not a refusal to pay but rather a formal request for validation of the alleged debt. Please note that any attempt to report this debt to credit reporting agencies without proper validation may constitute a violation of the FDCPA and other applicable laws.

In accordance with the FDCPA, I expect a response within 30 days from the date you receive this letter. If you fail to provide the requested validation, I will consider this matter resolved and any further collection attempts unauthorized.

Please address all correspondence related to this matter to the mailing address provided above. Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX
Product: Prepaid card

on XX/XX/XXXX Vanilla Visa received my order for ( 2 ) {$50.00} gift cards * purchased on vanilla website * supposedly they ( plastic cards ) were mailed on XX/XX/XXXX " your vanilla gift order is on its way '' as per the email I received I phoned Vanilla on XX/XX/XXXX he stated we have to give it one more day which would have been XX/XX/XXXX * as of XX/XX/XXXX the order has mysteriously disappeared ... .My XXXX have not received their XXXX cards...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account INQUIRY DATE : [ XX/XX/XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$250.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1900.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've requested the removal of my previous addresses from all three Credit bureaus. My Experian Credit report shows an old address that's linked to a tattooing company. This is incorrect!
Product: Debt collection

Dispute : XX/XX/2020 CFPB XXXX  Capital One Walmart Incorrect account balance reported {$310.00} I contracted the services of XXXX XXXX XXXX, XXXX a debt consolidation company to assist me with the consolidation of debts that were causing me great financial hardship due to a decline in my income due to a reduction of hours worked for health reason. The program I committed to enabled the payoff of debts to ( 7 ) creditors, one of which is XXXX Capital One Walmart with an original debt of {$310.00}. 
I have just completed my accounting for tax purposes and found that I have paid {$200.00} to the creditor via the consolidation program and my balance now due is {$110.00}. 
I have continually made my payments on time to this company and paid more than the agreed monthly payment amount and I have never received an update statement requested each month outlining my balance although I have contacted the company over the last 6 months and have not been able to receive a response to any of my communication. 
On XX/XX/2020 I wrote to the creditor and offered my promissory note and payment arrangement which was sovereign certified because it had come to light that the consolidation company is no longer trading and is under investigation for Fraud and Deception by the FTC. 
It has also come to light that my payments made to the creditor via this company were never applied to my debt which now has negatively impacted the balance owed. 
My direct offer made to the creditor on XX/XX/2020 to pay off a remaining balance of {$310.00} in installments was declined by the creditor of which I am grateful as my financial accounts highlights that balance was incorrect and if accepted at that time I would be liable for paying far more than what is actually owed. I request that the amount owed be corrected to reflect the payment made of {$200.00} via the consolidation company and report the actual correct balance of {$110.00}. 
Please see attached signed Agreement page for debt consolidation program and the date of the agreement.
Product: Credit card or prepaid card

Last year around XX/XX/XXXX I had to stop paying my credit card due to the interest fee spiking and for some reason they kept increasing my limit to charge those interest fees and late fees. I had just gotten out of the military and was using my credit card to survive. Unfortunetly the fees ( interest, and late fees ) built up so much my monthly payment was too high for me to pay. So I stopped paying around XX/XX/XXXX and around XX/XX/XXXX I called to try to get on a payment plan. They put me on one where I was paying XXXX a month. I agreed to this and set my payments for the XXXX of the month for 4 months out. I even had to verbally confirm those 4 payments to come out which I did. So my XXXX payment came out and come XX/XX/XXXX Im getting calls of a missed payment. I call sometime early XXXX to discuss why my XXXX payment never came out when I verbally confirmed the XXXX for 4 months. They told me I only had a XXXX time payment ( which wasnt true ) I asked if I had to repay that month to catch up and they told me no. That I could just schedule again and it will pick up right where I left off. So I set the dates for the XXXX of the month ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). The past week ( early XXXX ) I kept getting calls about how they ( wellsfargo ) can better help me. I had already made 2 months of payments at XXXX $ but I had a bad feeling so I called again. I was told I was removed from the program in XXXX because of the missed payment. Which was the total opposite of what I was told prior. Seeing as I had more payments set up and have now had 2 payments come out and its not lowering anything. Its actually still RAISING my credit card with late fees and interest fees. I have never felt more played in my life Im trying to pay back what I owe and I have been lied to and Im losing money I barely have every month for it to go nowhere, other than in the pocket of wellsfargo. The last person I talked to on the phone seemed to be the only helpful one. Shes the only one that noticed there was a problem and shes the only one that offered a program for military personnel. However that does not change that they are telling me one thing and doing another. My debt that I used was maybe around 5,000 $ and that card is racked up to around 8,900 $ as of today. Since my payment plan started in XXXX it has increased almost 800 . My credit card shouldve never raised the limit from XXXX $ and I feel like they did that just to get more money out of me. I have never in my life requested an increase in my limit when it originally started at XXXX $ I understand at times they raise it when you do well but I wasnt and they keep raising it to get more money. This experience is ruining my life I am constantly stressed and feel like giving up. I try to make it work and own up to my debt but they will do anything to get more money from me. For others the biggest advice I can give is pay attention to the increases on your limit and set alarms on the dates you have scheduled for a payment to come out that way they cant play you.
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe.
Product: Credit reporting or other personal consumer reports

Well, I wrote letters asking for ( chain of title ) to the debt they are reporting on my credit report 40 days ago and have not gotten the documents giving them the rights to collect the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know what this account is or who it belongs to. I've asked the credit reporting agencies to investigate and send me proof that this debt is mine and have had no success!
Product: Debt collection

it's illegal for creditors to include medical bills on credit reports, as of XX/XX/year>. This rule was finalized by the Consumer Financial Protection Bureau ( CFPB ). 
After I filed a complaint with cfpb and only after I filed a complaint, did they then posted a second debt from the same medical facility. I owe no copay or out of pocket. Attached are both my insurances cards. 
This is illegal to be posted on my credit report and am asking for both to be taken off immediately.
Product: Credit card or prepaid card

The following Capital One XXXX Rewards Card ending in : XXXX is a fraudulent account. I never applied for the credit card account. The account is fraudulent and not my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the negative accounts reported on my credit report. Upon review, I have identified inaccuracies and incomplete information that are causing significant harm to my financial standing. This negligence is affecting my ability to engage in financial transactions and misrepresents my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX   XXXX, NJ XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX. Identity Theft RENTAL PROPERTY XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 5. Identity Theft XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit 6. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit 7. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX formerly XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debt and have been reporting it on my credit reports. For the past 4 months, I have been requesting documents to support their claim. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and contract bearing my signature, they have not done so ... No legal documentation at all! I don't understand how they get away with putting this on my credit ... No proof. In the midst of this, they are ruining my quality of life because they have put this item on my credit in the amount of {$9700.00}.
Product: Checking or savings account

XXXX XXXX thru XX/XX/2020 multiple unauthorized transactions of {$7900.00} was debited from my Living Trust checking account fraudulently by XXXX. Bank  of America failed to Notify me of multiple debts 2-3 times on the same day. No fraudulent alerts were made to me to validate these debits. Due to COVID19 I was able to get an appointment to speak to a representative at the location on XXXX, XXXX, CA. I received a letter stating Bank of America is refunding {$4800.00} as of XX/XX/2020. I feel Bank of America should be responsible for the full amount. I trusted Bank of America to keep my money safe and I believe the bank failed to do so. I would appreciate you looking into the matter to give me a full refund of my money. Bank of America owes me a balance of {$3100.00} in addition to all over draft fees incurred from this fraudulent activity.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against the credit reporting agency for persistently reporting inaccurate information despite my repeated attempts to dispute and correct the errors. The credit reporting agencies ' actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and im seeking your assistance in rectifying this matter. I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. I have previously filed disputes with them to rectify these errors. Providing all necessary supporting documentation. However the agency has failed to perform a reasonable investigation as required by FCRA and has neglected its obligation to correct the accurate information. FRCA Rights Disregarded : the rights to have accurate information corrected promptly ( Section 611 ( aX1XA ) ) The right to a reasonable investigation of disputed information ( Section 611 ( aX2 ) ) The right to receive written notice of the results of the investigation ( Section 611 ( aX6 ) ) The right to deletion of modify inaccurate information ( Section 611 ( aX5 ) ).
Product: Vehicle loan or lease

The Car was repossessed by XXXX XXXX after an accident and major repairs were made. Payment was made from same account that payments had been made previously. Reason for refusal of payment was that I was not an authorized person on the account. I was and still am an authorized person on this account. Before I could resolve this issue with the company the car was repossessed, and ransacked, items were stolen, by the tow company. The company demanded past payment which they initially refused, late charges, tow charges, storage fees, and up coming payment. Well over 1000 dollars which I did not have. Subsequent requests for information about the vehicle, such as what balances were how much the vehicle was sold for ect were never responded to. Wage garnishment occurred and and although I had paid on the car downpayment plus trade in and payments for 5 of 6 months I had the car were never deducted off of final balance. Again no further information was given to me on how this amount was arrived at. A total garnishment of over 9,600 $ took place via the wage garnishment. That was paid off. They are now asking for an additional garnishment for over {$5000.00}. Interest apparently was not collected via the garnishment as well I am told interest will continue to accrue and again not be collected from this amount. I was told unless I come up with a full payment I will continue to pay on this vehicle indefinitely. XXXX XXXX never sells a car for less that {$9900.00}. So they got my 10,000 plus dollars likely re sold the car for {$10000.00} and are now attempting to perpetually collect money for a car I have not had for 8 plus years. My bank no longer has this documentation nor does XXXX XXXX who payments were made through. The mechanic who repaired the car is no longer in business. My insurence carrier at the time was XXXX and they are researching for information in regards to this vehicle since I carried collision on the car and the paid the majority of the repairs. The account has been turned over to a lawyer Relin Goldstein and Crane I thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my repfrts and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity
Product: Credit reporting or other personal consumer reports

Berlin Wheeler keeps on reporting false information to my credit report. They have never sent me any notices, never had any contact, refuses to send any requested information. I have no contact with them. I notified XXXX XXXX and they acknowledged I have no debt and not sure why Berlin wheeler is falsely representing them and trying to collect on debt not owed. I spoke with the executive relations office at XXXX XXXX. They acknowledged that I am under XXXX XXXX XXXX protection and any and all debt was included in my filing. Berlin wheeler is in violation of numerous federal and state laws. They know they are committing fraud and harassment. I will also be filing a lawsuit against Berlin wheeler in federal court.
Product: Debt collection

I received a letter from a collection agency regarding a medical debt. I sent a letter asking for information on the debt since I had no knowledge. I also asked nothing be reported to credit report until we could verify the debt. I have yet to received ANYTHING from them and it has since been reported to my credit report. I also sent a secured email to them through their website. They stated they could not tell me anything over the SECURE email even though I verified my information through it! They stated they could call me and I advised them they could send me a letter. I have also never received anything from that communication. I feel it is wrong to report something negative to my credit report without allowing me to verify and/or pay the debt once provided with the information.
Product: Money transfer, virtual currency, or money service

I was introduced to a group through XXXX  messaging app. There was an investment opportunity in which i later found out was a pyramid scheme. I sent a total of XXXX to the cashapp accounts below. I contacted cashapp and they stated that there was nothing they can do regarding the situation. I explained to them that it was a scam going on and still stated that they could not help me. 

XXXX XXXX  XXXX {$500.00} removed from bank linked to cashapp account XXXX XXXX XXXX  {$500.00} I have requested a refund from both parties in which XXXX declined and I am still waiting for XXXX response. 
please help me.
Product: Checking or savings account

ACCOUNT IS SHOWING ON MY XXXX REPORT. THIS IS FRAUD AND WAS A RESULT OF IDENTITY THEFT WHICH I HAVE SUBMITTED POLICE REPORTS TO XXXX. THIS ACCOUNT IS NOT MINE. PER YOUR " INVESTIGATION '' YOU SAID I REPORTED SOMETHING TO THE BANK. I NEVER REPORTED ANYTHING AS THIS ACCOUNT, I DID NOT OPEN IT. YOU SAY THIS ACCOUNT IS NOT SHOWING IN COLLECTION IN MY CREDIT REPORT. WELL I HAVE ATTACHED WHERE IT IS. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.