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

I did not apply for credit with these companies and I do not know about theses inquiries on my credit report. In accordance with the Fair Credit Reporting Act ; XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXXXXXX XXXX, and XXXX has violated my rights. 15 U.S.C 1681 section 620 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.

Responsibilities of Furnishers of Information To Consumer Reporting Agencies [ 15 U.S.C. 1681 Section 623 Section 2 ] ( a ) Duty of Furnishers of Information To Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors.

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: Debt collection

CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Best Buy/CBNA XXXX XXXX  XXXX XXXX XXXX , SD XXXX Date : XX/XX/year> I would like to request, in writing, that you MUST contact me ONLY via the address noted in this letter and through no other medium. These other mediums include but are not limited to phone, email, social media, place of employment, and any credit reporting agencies. I wish ONLY to be contacted with the following information requested as well as any updates on this account being deleted or updated as instructed. 

Please provide me the following information : 1. Name and address of alleged creditor : __________________________ 2. Name on file of alleged debtor : __________________________ 3. Alleged account number : __________________________ 4. Date that this alleged debt became payable : __________________________ 5. Amount of alleged debt : __________________________ 6. Was this alleged debt purchased or assigned to a debt collector? __________________________ 7. Amount paid if debt was purchased : __________________________ 8. Commission for debt if collection efforts are successful : __________________________ PLEASE ALSO ATTACH COPIES OF THE FOLLOWING INFORMATION REGARDING THIS ALLEGED DEBT : 1. Original contract of debtor with debtors wet ink signature.

2. All statements while this account was open.

3. Any and all accounting documents associated with this alleged debt.

I would furthermore like to know who gave your company authority to collect on this alleged debt and please provide proof that your company has the right to collect on this alleged debt. Please also tell me if any insurance claims or judgments have been made by any creditor regarding this account.

Please provide me with the name and address of the bonding agent for Grand Best Buy/CBNA, in case legal action has to be taken.

You must provide me with all the information I have provided to you or other transfer agreements which would establish your right to collect on this alleged debt within 30 days from the date of your receipt of this letter.

YOUR CLAIM CAN NOT AND WILL NOT be considered valid if any portion or documents have not been provided as instructed by the consumer. This is a request for validation according to the FDCPA. 

Thank you for your attention in this matter, XXXX : XXXX Without prejudice, All Natural Rights Reserved!
Product: Student loan

I co-signed for a {$1600.00} loan for my daughter back in XXXX I believe, she consolidated this with another loan of {$16000.00} and they are saying I'm now responsible for {$19000.00}. I didn't consolidate this loan. They have all of my information which my daughter has access to. I was informed that I would have to take action against my child or pay the bill. It is not my bill to pay. I would gladly pay the {$1600.00}, but I'm not sure how it can be legal for them to force me to pay after the interest almost {$40000.00} in student loans that are not mine. I didn't even know this loan existed until XX/XX/XXXX when it showed up on my credit report when I was going to get a home equity loan. It was not on my credit report when I refinanced my house in XXXX. I find this to be a bit sketchy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX, XXXX & XXXX XXXX XXXX anXXXX XXXX XXXX XXXXXXXX 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.
Product: Debt collection

Continuous calls for XXXX XXXX beginning on XX/XX/19 from XXXX, after blocking this number, the calls started coming from XXXX. All calls are from the same individual who claims his name is XXXX XXXX and he needs to " ensure the proper delivery of required documentation his company requires '' and also he claims " if the information can not be verified to return the call back so my records can be updated ''. 

Well I tried to call and was subjected to a computerized system that attempts to glean information from the caller. NO THANKS! 

After filing a complaint with CFPB case # XXXX, against XXXX XXXX XXXX XXXX XXXX, Everest Receivable Services Inc. started calling. I suspect XXXX pushed this to Everest after making the CFPB complaint. 

I'm including my prior complaint with CFPB attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unverified accounts on my credit report The credit agencies Never verified or complied with the rules of the FCRA ( XXXX XXXX  XXXX # XXXX ) AND ( XXXX # XXXX ) it's been way pass 30 days Please have them delete the unverified accounts. 
Thank you see enclosed proof
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX XXXX XXXXXXXX is reporting on my credit report when I filed an identity theft report on this account. I received a letter from the company stating this would be removed and its still reporting. The date opened is different days reported on each agency. The high credit limit reporting is incorrect on all the reports their all different amounts. Last date active is incorrect as they put the item back on my report after reporting it and changed it to active. I want this account removed.
Product: Credit reporting or other personal consumer reports

My credit report shows inquiries that I dont recognize nor I have applied to, and I never gave these companies permission to access my credit information. It feels really unfair to have my rights as a consumer violated, especially when its something so important to me. Life is already stressful enough without having to worry about unauthorized hits to my credit report. Protecting my financial security is crucial, and I really need these issues addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$940.00} ; XXXX XXXX Balance Owed : {$5400.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX  late payment was applied to my credit report 15 U.S.C. 1681 ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons State rights to consumer privacy
Product: Checking or savings account

The response from Wells Fargo failed to address, nor in anyway acknowledge, my questions. This company 's response, it appears, is a general form letter with bits of my information plugged in. I in no feel my concerns were " looked into '' at all.

The response referenced the dates of three emails they state notified me of the credits they issued to my account. To my point, they did not reference my responses or acknowledgments to the emails. There are none. In XXXX, and now XXXX, who uses personal email? It is scarcely checked and generally only when one is expecting a specific email which the receiver must scroll through copious amounts of spam looking only for the sender to find it. 
My concerns were first, how a bank can credit my account like this and they cant argue this would not be expected by any general person with a bank account. I have had checking and savings accounts since XXXX, the last 6 years with this company and all of that 36 years, I have never received bank credit like this. This should have been a customer option I agreed to or, at the very least, I should have been notified in a form in which an acknowledgment of the credit and the 60 day reversal was required. 
My second issue was a request, that under the circumstances, this reversal be made due over a period time, just as they were credited, rather than reverse all three at the same time. 
The financial hardship this has caused is irreparable.
Product: Checking or savings account

In XX/XX/year> I received a letter from Marcus by Goldman Sachs that a joint savings account was opened in my name including a person I do not know. I immediately called customer service and was transferred to the fraud investigation department. I was told that the account would be closed, they would conduct an investigation and would get a letter stating that both were completed. I received a statement a few weeks later with an ending balance. I called again and asked for written confirmation regarding the investigation. The man I spoke with told me that they do not send letters out and assured me the account was closed. I asked to speak to someone in the fraud department, was put on hold, and then hung up on. I called back and finally spoke with someone in the fraud department. I was provided information on what I needed to do ( reports, etc. ) and was assured I would get a letter in 5-10 business days. I called a few weeks later stating I still have not received the information they are required by law to send me. I still have not received confirmation. I mailed them a demand letter with my FTC and police report asking for a letter confirmation and all information pertaining to the fraudulent account and was assured for the XXXX time I would receive this information.
Product: Checking or savings account

On XX/XX/XXXX I filed a dispute with Fifth Third Bank, about someone within my home making several unauthorized purchases on my account unbeknownst to me. However my card came up missing or i misplaced it, thats how i noticed the unauthorized transactions viewed by my mobile banking.. The customer service rep misunderstood my statement and I had to send in an email statement with the issue at hand. They told me it was a XXXX  day wait for disputes and approval, its been over XXXX  days and they are giving me every excuse they can find to not credit me for the transactions that arent mine. Ive been a loyal customer for XXXX  years. 
I have all the transactions dates & locations wrote down i can send them in ASAP if needed..
Product: Credit card or prepaid card

Citi Bank allowed unauthorized account takeover of credit card. I was promised a new account and card and have yet to receive it. See attached letter.
Product: Credit reporting or other personal consumer reports

i am exercising my right under the FCRA specifically 15 u.s.c.1681i, and 15 u.s.c. 1692g, I have the right to request full validation of any debt that is being reported. The account in question is the following 1.XXXX XXXX XXXX  reporting errors charge off with inaccurate payment history and unverified statues XXXXXXXX XXXX XXXX  statues paid closed, closed reported as 30 days late in XX/XX/scrub>XXXX XXXX  XXXXXXXX XXXX XXXX status open, {$35.00} past due, updated as of XXXX XXXX XXXX XXXX status {$220.00} past due as of XX/XX/scrub>XXXX XXXX with a reported XXXX delinquency comenity capital/saksmc. statues {$110.00} past due with 30 days delinquency reported in XXXX XXXX under 15 usc 1681g and 15 usc 1681i i demand complete validation of the above accounts, including the following original signed contract or agreement that proves i am obligated for the debt.

complete payment history and itemized breakdown of all charges the name and contact information of the original creditor credit reporting agency can not provide complete validation and accuracy for each account it must be removed immediately from my credit report. i expect full compliance with federal law and a response within 30 days as required under the FCRA.

under 15 u.s.c 1681n, i reserve the right to pursue legal action against any credit reporting agency for the negligent or willful reporting of inaccurate information please provide me with confirmation of the investigation results and any deletions or changes made
Product: Debt collection

On XX/XX/2022 I have received 4 calls from this number within a XXXX minute time frame. This is a daily occurrence. I do owe a bill and plan on paying it within the next month as I just got a promotion and will be able to do so but the calls back to back sometimes within XXXX minutes apart are Ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, 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.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX. The inquiry was not authorized SYNCB Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX FI Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Debt collection

I have a collection debt from Jefferson Capital with a balance of {$1000.00} which I know nothing about case I havent done any business with them. I dont know when this account was opened but I was in XXXX XXXX  from XXXX XXXX until XXXX XXXX. Someone has stole my identity so Im trying my best to protect my information cause these actions have affected me negatively.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 SIction 604 A Section 2 : It also states a consumer XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Balance : {$14000.00} {$14000.00} {$14000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$31000.00} {$31000.00} {$34000.00}
Product: Credit card or prepaid card

On XX/XX/2022 my credit card has been charged for {$450.00} without my authorization. I filed the dispute however it was denied without reasonable explanation. This is my second time experiencing the same issue with JPMorgan Chase Bank
Product: Credit reporting or other personal consumer reports

please remove from my credit file - I did not provide my info to have my credit run. They ilegally sold my name and social to other companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Dealers , Used XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Dealers, New XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Dealers , Used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Dealers , New XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Dealers, New XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto DealersXXXX XXXX XXXX XXXX XXXX XXXX Auto DealersXXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX Auto Dealers XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Dealers, New XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XXXX XXXX XXXX XXXX XXXX Auto DealersXXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX Auto Dealers, Used XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Dealers , Used XXXX XXXX XXXX XXXX Auto Dealers, Used XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX Auto Dealers, New XXXX XXXX XXXX Auto Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX Auto Dealers , Used XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just going over my file I saw a few addresses that do not belong to me on my credit report. I was looking into getting a Government XXXX when I noticed the errors in my personal information. My address is XXXX XXXX XXXX XXXX XXXX OH, XXXX. I have been at this for over 5 years. The following addresses do not belong to me. I XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX # XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX