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

This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I recently received communication from you attempting to collect the above-listed alleged debt. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification, Validation and proof that this alleged Debt and Child is mine! In addition I want proof of, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. 
Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my requests above within 14 days. 
I have not given anyone written permission to put anything on my consumer report. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

They have no permissible purpose by law to contact third parties with my private or personal information. 15 USC 1681 a 4 speaks on a consumer right to privacy. 15 USC 1692 speaks further on a consumer right to individual Privacy. 
The Privacy Act They have violated my rights to Privacy under FCRA 15 USC 1681 and the FDCPA 15 USC 1692.
Product: Student loan

American Education Services continues to make harrassing phone calls to my house, sometimes inappropriately in the early morning. Even after customer service has repeatedly assured they will stop calling my number, the harrassing phone calls do not stop. I would like to be put on their Do Not Call list.
Product: Debt collection

I am unfamiliar with this agency, as I have never entered into any agreement with them. I requested evidence of an assignment contract or any documentation that I have signed any agreement with this company. I have not been supplied with any proof under the doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ), XXXX XXXX XXXX, XXXX, I assumed no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX  account number XXXX XXX in XXXX and XX/XX/2020 with XXXX   and Transunion credit reporting agency to verify that this account belongs to me and I also requested their method of Investigation. I also sent a request for validation letters to the collection agency and received no response from them. Transunion and XXXX  dispute results stated that this account has been verified but how is this possible when I received nothing from the collection agency with my signature verify that this account belongs to me and how is credit reporting agencies Transunion and XXXX  had received anything from this collection agency showing proof of verification I have not received anything. I would like these credit reporting agencies to do a complete investigation
Product: Checking or savings account

I received a promotional email to open an account with Chase Bank. They were supposed to make a direct deposit of {$500.00} and now the bank doesn't want to take responsibility for my bonus because it says that the deposit that the company made to me was not a direct deposit. 
The bank says that direct deposit is only for them from a government institution, not from companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XXXX XXXX, 2018, XXXX XXXX XXXX XXXX has a charge off of XXXX dollars. I voluntarily return the vehicle and the Finance company ( XXXX XXXX XXXX XXXX ) did not appropriately and correctly process the return of the vehicle properly. I was not notified as to the status of the vehicle or my account, other than the full balance was charge off. I have not vehicle and I am still being responsible for that loan, which is unfair practices on behalf of 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 federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Money transfer, virtual currency, or money service

Received phone call that {$1000.00} was charged to my Amazon account from phone # XXXX XXXX XXXX. Told to call this number on XX/XX/XXXXat XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XXXX Venmo contacted me via text message stating that my account had suspicious activity, and that I should reply " NO '' if the activity was not me. I responded on the same day, XXXX with " NO ''. The following day, XXXX, I contacted Venmo and again reported the fraudulent activity and I was informed that my account was frozen. The transactions posted as pending on XXXX on my XXXX XXXX checking account I am completely unclear as to why Venmo bothers informing customers of unauthorized transactions and then allows the transactions to occur. I am unclear as to what purpose freezing my account serves when transactions can still occur. Venmo has also been entirely incapable of informing me when my funds will be returned. Further, if my checking account enters into a negative balance as a result of Venmo 's negligence, what is their plan to refund me the additional debits to my account? 

The currently posted debits to my XXXX XXXX checking account are {$350.00} and a second identical charge of {$350.00}.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter.

Additionally, I request the removal of all unauthorized inquiries related to this identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 

XXXX XXXX XXXX
Product: Checking or savings account

Please, I had Online Account to Bank Call : ( BARCLAYS BANK ) for some years ago, Where that Bank Mis-Sold PPI CLAIMS in XXXX for Some years ago, But Refused to Processed my Payment Claims for me to XXXX, Up till now, So I want your Company to help me and Use my Details to Check from that BANK and Process to Reclaim all my FUNDS from that Account in that Bank, So I am waiting for Reply now
Product: Credit reporting or other personal consumer reports

I logged into my credit report on XX/XX/2024 and saw the following account : Last reported XX/XX/2024 {$3500.00} - Open balance, CONSUMER ADJ CO - Original creditor, XX/XX/2024 ( XXXX mos ) - Opened, Account status - Open, Type - No Account Type Given, Responsibility - Individual, Remarks - Placed for collection, Original creditor name - CONSUMER ADJ CO. 

I have no knowledge of this account and believe that this may have been identity theft. This account appears to have been opened on XX/XX/2024. I have no knowledge of this account and did not authorize anyone to open an account in my name. Nor did I see or have I seen the open amount. I have never done business with the original creditor. I believe this account to be fraudulent, and would like an explanation. I would also like to see supporting document from the company showing where this information came from. This information includes but is not limited to : XXXX. To whom do you think I owe this debt and what amount do you claim I owe? I will need the name, address and account number for the creditor, in addition to the amount owed. 

XXXX. If this debt started with a different creditor, I will need the name, address and account number for the original creditor, the amount owed and the date when the debt was transferred. 

XXXX. Please provide a valid basis for the debt, such as the original contract between me and original creditor. Tell me the date the debt became delinquent and the date the last payment was made. 

XXXX. Provide me a copy of the last billing statement from the original creditor. If any fees or additional interest charges have been added to that statement, explain how those fees or additional interest charges are permitted, either by the original contract or by law. 

XXXX. If any payments have been made on the account since the last billing from the original creditor, please show an itemized list of those payments with dates and amount paid for each item. 

XXXX. Does your agency have a debt collection license in North Carolina? If so, please provide the name on the license, the license number and the telephone number of the state agency that issued the license. If you do not have a license, please explain why. 

I requested this information so that I can make an informed decision on whether I am responsible for the debt. Please treat this debt as being in dispute.
Product: Checking or savings account

{$5000.00} stolen from money market account in branch in XXXX. XXXX Pd dosnt have time for this. BMO needs to make exception, and let me sign affidavit. I know this is just to make sure Ill go to jail if lying. 


Complained before
Product: Debt collection

OnXX/XX/XXXX2015, I took out three phones from XXXX with a family plan. A week later, I returned all three phones on the store, located at XXXX, XXXX County, Florida because the phone connections do not meet our expectations. Since I returned my phones to XXXX because the expected signals did not meet our family expectations, and I paid the appropriate fees for that transaction, and I am not obligated to pay anything to this company. However, XXXX has tried to collect a debt of {$830.00} with different collection companies. They have hurt my credit inappropriately and despite my phone is placed in " Do not call list '' they are continuing calling me looking for the " supposed '' debt. Despite, I have sent several letters requesting a Video recorded analysis in the store in which the supposed transaction was done, they have omitted this fact and they just send me bills with no signatures with my name at the top. Please, investigate this complaint and have them to remove it record from my credit report. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately 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 instruction 15 USC 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 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission 15 USC 1681section 602 A. States I have the right to privacy.

15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 


XXXXXXXX XXXX XXXXXXXX Last reported XX/XX/2022 {$3700.00} Reported balance XXXX XXXX XXXX Last reported XX/XX/2022 {$3400.00} Reported balance XXXX XXXX XXXX Last reported XX/XX/2022 {$3400.00} Reported balance 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 authorization.
Product: Debt collection

I am writing to request a correction of the following information that appears on my XXXX, Experian, consumer report : The Account XXXX opened on XX/XX/2018 Is Inaccurate due to the balance owed the report shows I currently owe {$3800.00} to your company that I have already paid for the debt. XXXX XXXXXXXX XXXX XXXX was written off as a taxable debt by XXXX XXXX the original debt holder. With that being done a 1099c was supposed to be mailed to file on my income tax because debt is no longer considered debt by taxable income. I wanted this removed from my account immediately.
Product: Credit reporting or other personal consumer reports

The company is continuing to reflect inaccurate accounting. The timeline is outlined by FCRA XXXX XXXX b XXXX and and XXXX has still has not complied with the federal protection consumer laws. I am continuing to suffer financially, professionally and emotionally as a result of these violations.
Product: Mortgage

I am on the forbearance program and I see on my credit report that there was a no payment reporting for a month or more. A woman named XXXX from the loss mitigation team said over the phone that I should have incurred penalties unless it's a disaster forbearance and FEMA approved. However, with the CARES act administered by the XXXX administration, all past due payments reporting shouldn't be reported to the credit bureau.
Product: Credit card or prepaid card

I was charged for an un-allowed carry-on without my knowledge on XX/XX/27. I measured my personal item bag in their designated space two separate times. Once at the ticket counter and once at the gate.It is a rolling backpack because I am XXXX. It fit perfectly both times. I was never told that it was an un-allowed carry-on and in fact, they made an announcement at the gate saying if you have an un-allowed carry-on, we will let you know so that you can pre-pay on your phone because it is cheaper than if we add the charge for you. 

I also took the same bag on the flight back home and was not charged or told it was an un-allowed carry-on. I had to measure it the exact same way as the departure flight. 
I contacted XXXX XXXX and they told me that since the charge happened at the gate they could not authorize a refund and I needed to talk to the XXXX office at the XXXX airport directly, but told me they did not have their phone number. I even called the XXXX XXXX directly and they also told me they did not have the phone number for the XXXX XXXX at their airport. I researched for the phone number and could not find it. 

I do not live in XXXX so I have no way of requesting a refund from them given that their corporate office will not help me. XXXX has also stopped responding to my emails. 

I believe I am being discriminated against because I am XXXX and my backpack is on wheels. I need my {$99.00} refunded. 

Discover closed my dispute case and will not refund the charge despite all of this information.
Product: Bank account or service

I attempted to close an account with Chase Bank in 2012. Apparently it did not close and I was charged roughly {$480.00} in fees. In between the time of closing my account and when the fees hit, I moved to a new address and unfortunately I did not know about the issue until recently when I tried opening account at another bank and was denied. I attempted to rectify this issue multiple times with Chase, but they stated they were " not collecting on the amount owed '' and that there was no way they could remove the account from XXXX. I ended up finding someone that would take the {$480.00} to pay off the debt, but unfortunately I am still on XXXX. I attempted to escalate the issue multiple times but it was not until I spent a considerable amount of time in a local branch that anyone even received the complaint. 

The fees I were charged should have never happened and I should not have to pay the amount I did. But since I did, they should do the right thing and remove this from my XXXX record as it is their fault for failing to close the account properly.
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I'm not familiar with this, and the company acted without my permission.
Product: Checking or savings account

I was robbed of {$6900.00} by Bank of America with unauthorized charges and overdraft fees due to them. I would like to be reimbursed and letter of apology. I went from XX/XX/2022- XX/XX/2022 to 3 appointments inside bank, just to be led a long with the same enticing assurance that I would get a resolution within 10 business days, by 3 associates of different origin 2 females, ( Manager of bank, being 1 of 2 ) and a male. I lost my home and car due to this unfortunate incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED NO SIGNATURE HARD PULLS FROM XXXX XXXX, XX/XX/2019, XXXX  XXXX XXXX, A FRAUDULENT PULL, AND XXXX  DUPLICATED PULLS.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXXXXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in on those accounts to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXXXXXX XXXX, Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

Debt collector had over 30 days since XX/XX/2019 to produce a ( wet ink ) contract since disputed through all three credit bureaus and has been in violation of both the Fair Credit Reporting Act and Fair Debt Collection Practicing Act. Debt collector is sueing me in state court. No valid ( wet ink ) contract which is required by law. Is damaging my credit by falsy reporting debt to credit agencies such XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information listed on credit report. I have disputed online and via mail with no results. The following accounts are listed incorrectly XXXX XXXX XXXX which is an account that has been deleted and removed for over 7/8 years and also XXXX XXXX XXXX  XXXX.
Product: Student loan

When I last checked with Fedloan Servicing, They informed me I could submit my   XXXX   loan forgiveness with papers signed on  XXXX   XXXX . I feel like this is just the final and most gregious  XXXX  up in a long list of misinformation by the company.  Today (   XXXX / XXXX /   17   ), I c alled to check on the status. They informed me that that rep was wrong and that I needed to wait until  XXXX   ( 5 full CALENDAR years ). I  am now switching jobs and dont know  if Ill b e eligible. I thought after 5 years of   XXXX   I was all set. I just found out that I am not. When I informed them that this was a  XXXX  dollar mistake that they should be accountable for, they informed me that it was my fault and that I signed the terms that I understood.