23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I owed a {$3000.00} debt to XXXX XXXX  to XXXX and equifax. I disputed it with equifax and theyare the only one not to remove the credit off my account. This is a case of fraud on my account and im trying to start my credit junory but this is stopping me for continuing with my life. I have uploaded a picture showing the disputes i have uploaded and you can see the dates. They have not even took the time to review the case. The results of there case was that im still at fault. How could i be at fault for fruad?
Product: Debt collection

I received a letter from XXXX XXXX XXXX stating that I owed {$460.00} and that an account was opened on XX/XX/2019. I called to verify and I was told that I did not have a card associated with my name. However, I received a letter from Portfolio Recovery Associates stating that the account was sold and it was attempt to collect a debt. During the time this account was opened, I was living in the state of XXXX and was not at the address mentioned on the XXXX XXXX XXXX Account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information contained in my credit report, as provided by your agency. I believe this information has been furnished or obtained without my written consent, which violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681.

Specifically, I have not provided any written authorization for the release or reporting of my credit information to your bureau. The FCRA requires consumer consent prior to the dissemination of credit information, and I have not given such consent in this instance.

I request that you investigate this matter and remove any disputed information that was obtained or reported without my authorization. Please provide me with a written response detailing the outcome of your investigation. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed in XXXX XXXX that a hard Inquiry was made for a XXXX XXXX  credit card that I had NOT solicited. I have already called bank various occasions, complained about it, they checked, verified that whoever did solicited a credit card was not me, said they would report to credit bureau ( XXXX, XXXX, Experian, but nothing has change. That was XXXX XXXX. But already it had happened before on XXXX XXXX. II always tell XXXX to write down that I have not and will ot apply for a credit card with them, whoever does will NOT be me. It never is taken off my credit report. I did NOT solicited a credit card with XXXX XXXX. Please help me out here.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, nd, XXXX XXXX ( XXXX ) XXXX I am writing to formally dispute any and all transaction on my account that Capital has reported with XXXX, XXXX and XXXX, whom are all non affiliates with capitol one, in the terms and conditions provided by capital one they stated they would not disclose my nonpublic personal information to non affiliate 's. There is multiple violations of my rights as a consumer. It is against the law to report transaction history, I never gave written authorization to report to the three credit reporting agencies, or to any other non affiliate. The account is in charge off status, a charge off is also known as a certificate of indebtedness and according to the I.R.S. Code a certificate of indebtedness is income and income must be removed from the report.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) in accordance with the written instructions of the consumer to who it relates.

15 U.S. Code 6801 6805 Obligations with respect to disclosures of personal information- Authority comes from 16 CFR 313.1 - Purpose and scope. 

( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

nonpublic personal information Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer. 


Per the Privacy Act of 1974, and the Fair credit reporting act, as a federally protected consumer, I have the right of opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal, Per 15 u.s.c. 6802
Product: Credit reporting or other personal consumer reports

In accordance with FRCA, XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX  XXXX Account # XXXX I demand the above fore mentioned account be removed immediately. I have read from FTC XXXX CFPB if by chance consumer finds mistakes on their credit report, they have the rights to make every possible legal way to make these reports accurate. With that, being said, the above account should CLOSED. I also understand you have 30 days to complete this investigation. The original loan was paid in full on XXXX XX/XX/2023 and the accurate notation should reflect CLOSED ; not OPEN in the Account Condition, and PAID IN FULL, in the Remarks field. XXXX should reflect in the XXXX XXXX days field. I demand these inaccuracies to be removed and updated immediately.
Product: Debt collection

Caine and Weiner has illegally and inaccurately reported an account that is not mine. I would like this account thoroughly investigated and removed once found to be illegitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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
Product: Debt collection

As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for ONLINE INFORMATION SERVICE license. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES AC T 62-20-101. ON LINE INFORMATION SERVICE does not have a license in the state of TENNESSEE. They can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-105 sta tes no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-108 ( a ) ( 1 )  Every collection service shall have, for each location at which it conducts business a loc ation manager who  has submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-123  states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor. ONLINE INFORMATION SERVICE is in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit Inquiries 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. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX Incorrect Employers : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX ; XXXX  ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX below XXXX the Inquiries that are being challenged XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Product: Debt collection

I sent NCM a letter and asked for a true and certified copy of the original instrument of indebtedness with my original signature. NCM sent me a typed up copy of a lot of numbers of an amount owed with no sign of my signature in sight. I followed up with another letter that 's attached to this complaint and asked them once more to please send me the original indebtedness. NCM refused to do so and sent me another letter stating that they were n't responding to my letters any longer with an updated different balance.
Product: Debt collection

Wakefield currently is attempting to collect on a debt from " XXXX XXXX XXXX '' that is not owed by me. I have not done any business with Wakefield or " XXXX XXXX XXXX '' I've attempted to resolve the matter with Wakefield and " XXXX XXXX XXXX '' several times and have gotten no resolve. I've asked for written evidence that this debt is owed by me with my signature and some sort of identification proving that I've engaged in business with this company. They have failed to provide any evidence, but want to pay on a debt they aren't even positive that is mine. I am prepared to take legal action against this company for failing to protect my rights un the FCRA and their predatory collection attempts. I demand they they remove this collection from my credit report immediately and stop all collection further efforts.
Product: Credit reporting

Account Number : XXXX The account is closed and paid in full. It has been over 7 years since the account was open. Therefore, I am asking for you to remove this item immediately. 
My XXXX XXXX XXXX mortgage account has 30-Day delinquencies for XX/XX/XXXX and XX/XX/XXXX. My original mortgage servicer was XXXX XXXX and was bought out by XXXX XXXX XXXX XX/XX/XXXX. Due to the recent XXXX XXXX settlement, XXXX XXXX XXXX was one of the lenders who were found guilty of extensive mortgage servicing misconduct and deceptive practices during the XXXX Mortgage settlement. Therefore, my 30-Day delinquencies are a result of their misconduct. 
At this time, I ask that you remove the 30 day late payment immediately off of my account and credit report.
Product: Payday loan, title loan, personal loan, or advance loan

I emailed XXXX  requesting to have my XXXX access to my external bank account revoked and they are refusing to do so.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I was trying to send money from my cash app to my bank and it wouldnt let me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, XXXX reported me to collections on an account that was paid in full on XX/XX/2019. I contacted both XXXX as well as the collection agency ( then ) XXXX XXXX XXXX to advise the debt was paid in full with receipt. I was promised at that time the debt would be removed with apology. Fast forward to XX/XX/2019, I received a collection notice from National Enterprise Systems for {$370.00}, the same amount paid on XX/XX/2019. I again called XXXX as well as the collection agency both again apologized and promised to resolve. My concerns with this is the account should have never been placed for collections at all since it was paid in full prior to XXXX electing to place me into collections twice for the same account. I do not trust neither believe in the process of XXXX as they have failed to resolve this matter accurately and appropriately. I am seeking assistance and guidance in this matter.
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act ( 15 USC 1681, section 602a ), it's crucial to ensure that consumer reporting agencies uphold their duties with fairness, impartiality, and respect for consumers ' privacy rights. XXXX and Experian, being consumer reporting agencies, must adhere to these principles. As a consumer, I assert my right to safeguard my private information, as reinforced by 15 USC 6801, which emphasizes financial institutions ' obligation to respect customer privacy.

According to 15 USC 1681, section 604a ( 2 ), consumer reporting agencies may only furnish consumer reports with the explicit, written consent of the concerned consumer. Neither the financial institution nor XXXX and Experian have obtained my consent to share this information, revoking any implied or otherwise assumed consent. Moreover, 15 USC 6802 ( b ) ( c ) dictates that financial institutions must inform consumers of their right to opt out of information disclosure to third parties, a requirement not fulfilled in this case.

Furthermore, 15 USC 1681C ( a ) ( 5 ) strictly prohibits consumer reporting agencies from including adverse information in consumer reports without authorization, which is being violated here. The account name, XXXX XXXX, with the account status of paid and closed, is being reported without my consent, which is against the law. Additionally, under 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, XXXX and Experian are obligated to maintain accurate information and reasonable procedures to prevent violations, which they are failing to do. 

In accordance with 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two Rounds of letters disputing and enclosing proof that my personal information were fraudulantly misused and were used to obatain fraudualant credit accounts. 
I enclosed an FTC Id theft affidavit along with my notice of the XXXX data Breach and settlement claim number, Transunion has refused to delete any of the fraudulant accounts and continually reports erroneous and fraudulant info. 

I would like these negative eccounts removed immediately.
Product: Credit card or prepaid card

Hello this is XXXX XXXX. 
I am a Wells Fargo Customer since XXXX. 

I am sorry to write again but I have left emails and voices mails for two Wells Fargo executive employees for the last seven days and no response. 

I was dealing with XXXX XXXX and XXXX XXXX. 

XXXX XXXX was passing me over to do more mediation and I called him seeing if I could have my representative on the call when we meditate. XXXX  passed me over to the fraud department and XXXX My call to XXXX was about the home equity loan that was part of my last mediation. XXXX XXXX who was mediation for XXXX said he did not know what was the correct process to apply for home equity loan. 
His words it is not a process I am familiar with. He is your mediator and does not know the process? I spoke to the fraud department XX/XX/XXXX the lady said it was not necessary XXXX employees that process a credit card application in my name. Also she told me to go back to the branch and speake to the manager or the associates and see if they knew who might have applied for a credit card with my information. Is this a real representation of your employees to tell a customer to return the the XXXX location after seven years and see if they knew anything. Half of the associates are probably not around anymore plus they would think I am delusional. 
I want to speak to management at XXXX that can help me. 

Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

They are taking months to resolve and the 3 escalations provided no resolution. I contacted the CEO XXXX XXXX on XX/XX/XXXX, and and XXXX XXXX XXXX XXXX XXXX XXXX both have no response. 

At this point, I know there is incorrect information on my profile and they are not helping resolve issues they have created. 

My account information has been changed and I can not access the account I pay you to protect. I have been paying Experian {$27.00} per month for a service which has failed me. 

I have request the following since XXXX. 
1 ) Reset my account to ONLY my personal information below and DO NOT allow changes not made by me.

2 ) Freeze the account to prevent access other than me and maintain this status until I alone change.

3 ) Report the fraud to those agencies ( police, federal, local ) as necessary and warranted to help hold those criminals responsible 4 ) Credit my payments for a failure to provide the services you charged me. 

I have called your help desk several times to report fraud, including the very service for which I had been paying you. I have been unable to access my account as someone has changed the account profile data via your own system and process. Now I am forced to send to you ( ironically ) physical proof that I am who I say I am.
Product: Checking or savings account

I was incarcerated and almost XXXX were taking out of my account when I finally was released I called the bank and explained the situation and provided proof that I was incarcerated and I never got help or a resolution everything was denied despite the fact that I even told them I was incarcerated for 6 months and didnt do any transactions that caused my account to be closed and my money to be gone
Product: Payday loan, title loan, personal loan, or advance loan

I have been banking with navy federal credit union since 1992, and have remained in good standing with them. I have been trying to apply for small loans to purchase a small camper and have been denied several times. I called to request some information about my account such as the age, how much money has been in and out of my account. I was left on hold for over an hour. Never got to speak with anyone. I asked about a statement loan and was told they didn't know what that was. I asked to speak with the underwriter or have the underwriter contact me so I could give proof of my income and ability to pay back a small loan and was denied. I asked for all of the determining factors for the denial and haven't received one. All I was asking was for {$8000.00}. I even applied for the collateral loan where I obtain the camper and send them the title and was denied for that. My payroll check is around {$1300.00} per month and my XXXX check is a over {$2000.00} per month. I feel as if I am being discriminated against by Navy Federal credit union.