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

I am writing to confirm the legitimacy of the verifying documents that I have previously submitted to Equifax. These documents were provided as part of the process to verify my identity and address, and I wish to emphasize that they are genuine and accurate. The documents in question were submitted on XX/XX/2023, and I have retained copies of these documents for my records. I have taken every effort to ensure that the information provided is in accordance with the requirements outlined by Equifax and the Consumer Financial Protection Bureau ( CFPB ). I trust that Equifax will duly verify the authenticity of these documents and process my request accordingly. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C 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 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: Credit card

Purchases were made at XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX United States A credit card was opened to get the 12-18 months interest free on purchases made along with a {$75.00} statement credit for opening up a new account. After numerous attempts the interest free promotion has yet to be applied to my account. I have spoken to the manager of the store on two occasions and was told they contacted Synchrony about updating my account to show the promotional balance. I called Synchrony to confirm the purchases made were switched over to promotional balances. I was told that my promotional balances were switched over and would show up correctly on my next statement. That statement was issues on XX/XX/24. Promotional balances are still not reflected. I am being charged 29.99 % interest and I was incorrectly charged {$190.00} in interest on my previous payment of {$270.00}. My phone calls should be on record, the notes on my account will reflect the previous attempts to make the purchases show as advertised in the store listed above. The staff at this location made it known that this promotion would reflect upon opening my account. To date all the communication has either been a lie knowingly or unknowingly by XXXX XXXX XXXX  and/or representatives at Synchrony. The balances need to reflect the promotional balance immediately and a credit for the interest charges credited to my account.
Product: Credit reporting

I asked investigate for wrong accounts on my report. 
Credit bureau just pretend verified without contact creditors.
Product: Debt collection

I was notified by XXXX XXXX with Bay Area Receivables , Inc. ( Address : XXXX XXXX XXXX XXXX, XXXX, MD XXXX ) Email : XXXX that I owed a debt from XXXX XXXX XXXX in the amount of {XXXX}. The agency had reported this debt to the collection agencies. 
I stated that this debt was originally sent via XXXX XXXX XX/XX/XXXX via XXXX ( XXXX  ) but was not cashed. A check was resubmitted on XX/XX/XXXX and the check was finally cashed on XX/XX/XXXX. I sent this information via email with the claim details and check number on XX/XX/XXXX. 

On XX/XX/XXXX she claimed to have researched this information and stated the bill was not paid and I owed the balance and fees for collection. 

On XX/XX/XXXX I contacted XXXX XXXX and spoke with " XXXX ''. They handle the billing for XXXX XXXX XXXX. I gave her the claim details and check number. After some research, while I waited on the phone, she stated that she " found '' the check and would notify Bay Area Receivables. 

I again notified Bay Area Receivables. Then on XX/XX/XXXX I sent a copy of the check that had been submitted on XX/XX/XXXX and was cashed on XX/XX/XXXX. They did not notify the credit agencies and then I had to file dispute of claims with all 3 agencies. 
Bay Area Receivables has also not notified me that this was resolved and a correction made. 

I have Proof of Payment from XXXX that shows the cashed check for {XXXX} that was for payment of this claim. 

I also want to be refunded the fee that was charged to my credit card on XX/XX/XXXX for {XXXX} for " transaction fee '' as this was the error of XXXX XXXX, XXXX XXXX XXXX and Bay Area Receivables. 

I have spent hours dealing with this and Bay Area Receivables for a claim that was invalid and fraudulent.
Product: Credit reporting or other personal consumer reports

I have XXXX fraudulent credit cards reporting on my credit report, XXXX and XXXX XXXX 

I didnt give anyone permission to open these cards. I have the police report and FTC report. I have XXXX fraudulent inquiries on my XXXX report and XXXX on XXXX report. 15 USC 168
Product: Debt collection

On XX/XX/18 I contacted XXXX XXXX XXXX at XXXX to settle an account with them. Agreed settlement was for {$280.00}. I gave them my debit card number and authorized them to debit my account the same day. I also asked that they provide me with a letter showing that the account has been paid in full. Needless, to say after having over 10 conversations with various agents at Portfolio Recovery Associates, my issues has yet to be resolved and they have obtained the authorized payment from my checking account. I was lied to several times by several different managers ( however I am not sure they were really managers ) Portfolio Recovery would state that they didn't know the person I was asking to speak with? They also sent me a letter stating that I still owed them a payment after agreeing to a settlement on the account. The could not tell me a reason why the letter was incorrect. The last person I spoke with by the name of XXXX XXXX who claimed to be a manager stated on XX/XX/18 that he would email me the letter I was requesting to show that my account had been paid and settled in full. I spent numerous hours on the phone trying to obtain a LETTER from them to show my account had been paid and this is has cost me not being able close on my mortgage in time. I am absolutely FURIOUS that this company is allowed to behave in such a manner and exhausted to say the least that this has taken up so much of my time when I was only trying to pay them and settle this account!
Product: Debt collection

XXXX says I owe them {$40.00}. I cancelled their service within 30 days pursuant to there satisfaction guarantee which states that I will owe nothing. I also was told that I owe nothing when I turned in their equipment at their store location in XXXX, MI. They have sent the false debt owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CT. I have notified them in writing months ago that I do not owe the debt and demanded proof that I do. They have sent me no proof that I do. Now they are calling several times a day trying to collect.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a 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 systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, as 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: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$27000.00}
Product: Checking or savings account

Wells Fargo bank closed my family business account on XX/XX/XXXX for address problem. Then they say due to loss prevention. They said check will go out for funds in account. Did not receive by XX/XX/XXXX. Went to branch had to make appointment on XX/XX/XXXX and get business banking on the phone they tell me I have to sign paperwork declaration to get a new check must be Notarized and sent to there account closures & partial withdrawals. Did all necessary paperwork signed notarized and sent on XX/XX/XXXX. As of today XX/XX/XXXX I have called and only resolution to get funds back is wait up to 90 days for this approval. Otherwise they say I can get a surety bond 2 % of the XXXX to get cashier check within 10 days. 
Unfair treatment for account closure and taking this long to give funds back.
Product: Credit reporting

on XXXX XXXX, 2016 I called the credit bureau and they would not removed the information that is not correct. I try to do the transaction online, but they keep telling me to call.I explain that the information was wrong and that some name and address was not accurate.
Product: Payday loan, title loan, or personal loan

We have a loan financed by Aqua Finance. I received one letter from them prior to our first payment being auto drafted from our bank account. That letter said we would receive a statement so we knew what our loan balance and such was, along with account information so I could register for online access. To this day, I have not received anything more. I have never gotten a statement yet they have taken 2 payments out of my bank account. I have tried 10 times to call their 800 # on the letter and get disconnected or it rings endlessly with no answer. I can not get online access without the information they say they would send and whats more important- I should receive a monthly statement and havent gotten a single one. I researched extra ways to reach them online and all I see are pages and pages of XXXX  complaints about similar things. It seems they are not upholding their obligations as a lending institution. I just want my statements and information so I can manage my account online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Card : Care Credit/Synchrony Bank I received the card offered by my XXXX XXXX office. I was making payments over the min balance when I noticed that the balance was not decreasing as it should have. I called CC and was told about the interest of {$220.00} and another interest of {$790.00} due in XXXX. I would not have known about this if I hadnt called about the balance.
Product: Debt collection

I am writing to formally dispute inaccurate and incomplete information listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to a fair and accurate credit report. This letter serves as a formal demand to investigate and remove the following information : Account Information in Dispute Creditor/Collection Agency : [ LAW OFC JMCC , XXXX ] Original Creditor : [ Original Creditor Name ] Account Details : Account Type : Open Account Date Opened : XX/XX/XXXX Status Updated : XX/XX/XXXX Balance : {$1000.00} Legal Grounds for Dispute 1. Incomplete or Inaccurate Information ( 15 U.S.C. 1681i ) Under 15 U.S.C. 1681i, I request an investigation into the accuracy of this account. Specifically, no 24-month payment history is available to verify the validity of the debt, and the balance has inconsistencies.

2. Duty of Furnishers to Report Accurate Information ( 15 U.S.C. 1681s-2 ) Furnishers are required to provide accurate and complete information. The creditor has not provided sufficient documentation to validate this debt.

3. Validation of Debt ( 15 U.S.C. 1692g ) The law requires that debt collectors provide proper validation of the debt. I have not received adequate evidence that this debt is valid or that it belongs to me.

4. Blocking of Information Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ) If this account is the result of fraud or identity theft, I request that it be blocked from my credit report as prescribed by law.

Required Action Please conduct a full investigation and provide me with the following : Verification of the debt with detailed account documentation.

A clear explanation of the process used to verify this information Immediate removal of any unverifiable, inaccurate, or incomplete information.

Under the FCRA 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. The inclusion of inaccurate and incomplete information violates this standard. Furthermore, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX. XXXX XXXX, XXXX ), it was affirmed that credit bureaus must take actionable steps to verify disputed information within a reasonable timeframe. Additionally, I request a reinvestigation of these accounts under FCRA 1681i. I expect your organization to : Contact the original creditors or furnishers to verify the accuracy of the information. Remove or correct any unverified or inaccurate information promptly. Provide me with the results of your reinvestigation and an updated copy of my credit report.
Product: Credit reporting or other personal consumer reports

account number in question here Is : XXXX - " loan ''. pursuant to 15 USC 1692g - need this debt validated. The pictures attached in complaint state that this company has charged off the debt. a CHARGE OFF pursuant to XXXXXXXX XXXX XXXX XXXX is described as " an accounting term where one item is eliminated from an assets list when it is lost or is deemed to be worthless. '' in the pictures you see this company relished the debt. I am also very interested in knowing and having a forensic audit done on this account. I do believe this corporation is committing some form of fraud and does intend to attempt to DOUBLE DIP and still seek some form of performance. 
furthermore pursuant to 15 USC 1635 - Right of rescission as to certain transactions. In the ( f ) section it states that as a consume I have there years form the date of consumption of the transaction to rescind the transaction. Further more pursuant to 15 USC 1692c ( c ) - Communication in connection with debt collection.// legal refusal to pay a debt. cease and desist. 
furthermore the grounds for my complaint are defamation and financial injury which tie into the following case laws, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX the fine that shall be awarded is defined to be the extent of the damages incurred by the wronged party as deemed by the courts. bringing the total actionable amount to about {$40000.00} since the consummation of this debt. including the missed payments that are actively being reported on the XXXX credit file. 
further more, misrepresentations by the collector about themselves or the debt are actionable regardless of intent. The reason behind adding this to the complaint is due to the protections extended to by the Fair debt collection practices act, XXXX. XXXX passed by congress into law on XX/XX/XXXX and can be found in Public Law 95-109. the case laws standing side public policy are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ) which carries a civil liability ( pursuant to 15 USC 1692k ) of XXXX per violation. this debt has been misrepresented for more than a year since it consummation, bring the tally for this violation alone to about {$20000.00}. furthermore furthermore! if this debt can not be validated, meaning that the corporation is unable to to provide answers to the question of who the original creditor is, and the name of the flesh and blood human being that validated the debt then I want this debt deleted. 
the case law stated within this complaint is enough to get the attention of any district court. I humbly request your cooperation the matter of!. validating the debt and providing the proper paper work to have a certified forensic fraud CPA review the files and testify in court on their findings thank you!
Product: Credit reporting or other personal consumer reports

my information with Equifax has been breached here is the proof and they refused to delete these accounts listed below. So, please delete these accounts from my credit report as I was a victim of this data breach. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Bank of America 's bill pay system is erratic and they won't fix it due to their policy. The auto bill pay system did not take my first payment, which was set to pay the card off on XX/XX/22. It did not take the payment, causing a late fee and interest to be charged. 

The late fee was refunded, but not the interest. We should have never been charged interest since we wanted to pay the small balance off. Then on XX/XX/22 their auto bill pay system took the full amount, plus interest and late fee from my bank account causing a major inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2021 Balance : {$16000.00}
Product: Money transfer, virtual currency, or money service

. Here is the Needed Information. 
XXXX XXXX, XXXX I went to XXXX at XXXX pm as usual for a work day. 
- unauthorized transaction occurred at XXXX and XXXX XXXX western union transfers to the XXXX occurred. These were transaction XXXX for {$980.00} and XXXX for {$990.00}. They were picked up at XXXX and XXXX. 

XXXX XXXX, XXXX around XXXX I woke up from sleep and saw the transactions in the email. I called western union to stop them. They replied it went through and was picked up in XXXX city. They recorded my immediate dispute as # XXXX. They said to file and internet fraud report at 1c3.gov. 
- I filed the fraud report at ic3.gov. 
- I called XXXX XXXX XXXX They said the hackers they to send a third transaction but the card locked up. I sent dispute message to XXXX XXXX. 
- I messengered XXXX XXXX. 
She said she was at work at the pick up time and lives XXXX hours away from XXXX. I had sent her {$50.00} for XXXX XXXX on XXXX XXXX, XXXX - I called Western union and asked for verification who picked up the money. They said they would not release the information. They would not tell me the Ip Address of who access my Western Union Account. This would only be released to the police. 
- XXXX XXXX acknowledged at XXXX am that I spoke to the security via message. 

I have used Western union several times. The most sent in XXXX years was {$200.00} in a single transaction. Only once did I transfer money to the XXXX and that was {$50.00} on XXXX XXXX, XXXX. It not realistic with in past practice of spending that I would send {$2000.00} total in the middle of the night to the XXXX. That should have set off the fraud alerts. I got a call from the XXXX hotline this week about a {$30.00} XXXX bill and not these transactions? It does not make sense. 
Western union does not have XXXX factor authentications, security questions, automatic lockout, ip tracking, unique login name or phone security codes which would have alerted Western union and me that hacking was occurring. My credit card is on file visible to the hackers. All these need is my email which is readily on online. They can use a password cracking software until successful. The XXXX digit id number can be tried at other sites until successful. Western Union does not allow the customer to set a maximum transfer limit to require a phone call if it needs to be exceeded. 

I will be glad to take a lie detection test if necessary. I called all parties immediately in the middle of the night once seeing the transfers. I did not make these transfers and would like my money back. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX