23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally dispute the reporting of the following accounts on my credit report : Account Numbers : XXXXXXXX XXXX XXXX 
Balance Range : {$790.00} {$10000.00} across accounts.

Credit Reporting Agencies Reporting the Issue : XXXX, XXXX, XXXX Account Status : Open, reported as derogatory. 
Discrepancies and Inaccuracies Identified Duplication of Accounts : Multiple accounts with the same creditor are reported under slightly different identifiers, inflating the total debt amount reported. This creates a false impression of higher debt, violating 15 U.S.C. 1681e ( b ).

Inconsistent Reporting Across Bureaus : Credit limits, balances, and payment histories vary for identical accounts, reflecting inaccuracies and inconsistencies. 
Failure to Validate the Derogatory Status : The accounts are reported as derogatory without evidence of missed payments or delinquencies.

Cease-and-Desist Communication Demand This letter also serves as a formal cease-and-desist notice under 15 U.S.C. 1692c ( c ) of the FDCPA. Effective immediately : Cease All Communication : Stop all attempts to contact me via phone, email, or other means. Any further contact without legal grounds will constitute harassment.

Violations of 15 U.S.C. 1692c ( a ) ( 1 ) : I have received communications during inconvenient hours, including early mornings and late nights, which violate federal law.

Written Communication Only : All future communication must be in writing and for legally required purposes, such as debt validation or termination of collection efforts.

Demands Consolidate Duplicate Accounts : Merge duplicate entries to accurately reflect total debt. 
Correct Reporting Errors : Ensure credit limits, balances, and payment histories are consistent and accurate.

Provide Validation : Include proof of the original creditor, a detailed payment history, and evidence of the balances reported.

Written Acknowledgment : Confirm in writing that inaccuracies have been corrected and all communication has ceased. 
Consequences of Non-Compliance Failure to comply will result in complaints filed with the CFPB, FTC, and other regulatory bodies, as well as potential legal action.
Product: Debt collection

TRS Recovery Services is trying to collect for a creditor called XXXX XXXX. I never did any business with this XXXX XXXX company. TRS is stating that I owe XXXX XXXX {$1000.00}. I never made no inquires to this company and never told them to open an account for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXX Date Opened : XXXXBalance Owed : {$730.00}
Product: Debt collection

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. SYNCB/CARE CREDIT I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it.
Product: Checking or savings account

Dear Wells Fargo, My family and I have been loyal customers of Wells Fargo, Wachovia, XXXX  XXXX for 40 plus years. 

My account balance is more than {$25000.00}. 

I am unclear why I have received inferior service from the executive team and the portfolio team. The executive team ( XXXX ) ndicated I would be considered for the most competitive interest rate and she would contact Mr XXXX about this. However, when I spoke with Mr. XXXX on XXXX, there was no competitive rate offered whatsoever. He was out of the office on XX/XX/XXXX so I was not able to lock in a rate. 

I initially had an appointment with him on XX/XX/XXXX to discuss the interest rate. He did not contact me at the scheduled time. I tried to reach back out to him but no one with his team was able to or willing to connect me with him. This led me to contact the executive team. 

I do not understand why the bank is unable to provide me a competitive interest based on my loyalty and account balance. 

I do not feel valued as a customer. We live in a competitive market and your competitors are offering superior customer service and promotions/incentives to customers. 

The executive team has not been helpful or taken any ownership in the concerns raised. This has been time consuming and does not reflect well for Wells Fargo. 

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

Unauthorized charges to my XXXX  XXXX  account. Account was closed on XXXX, I was charged an additional 30 days after I cancelled insurance. I paid the amount owed and account still shows in my report, no refund provided. Ive attached proof.
Product: Money transfer, virtual currency, or money service

Member of Pentagon Federal Credit Union for 55 years! XXXX {$1000.00} + {$30.00} fee to wife in XXXX on XX/XX/24! Told it would take XXXX business days arriving on XX/XX/24 or earlier! Twenty days later, wife never received the funds! PFCU doesn't answer my messages and numerous phone calls gets nowhere and wastes my time! Have copy of money transfer receipt! Wife 's bank did a tracer and sent a statement saying " no evidence of international money transfer ''!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Paypal has limited my account and will not give me a reason as to why. I have funds in my account that would like to withdraw and Paypal will not permit me to do so.
Product: Credit card

My father has XXXX and I have his power of attorney so I can help with his finances. American EXpress has failed to accept that P.O.A despite me sending multiple copies, the attorney on file 's name and phone number and an explanation that there is not a notarized ink copy, only an embossed copy that does not show when copied. The attorney 's office even etched over the embossment so they could see the notarization. There is only XXXX single embossed copy, so it is not an option to provide that. Every other company, including banks has accepted it. In the mean time my Dad is charging things he does n't remember or need and depleting what little money he has. I believe AmEx just wants his money.
Product: Debt collection

Repeated phone calls from Client Services , Inc. from XXXX XXXX, Mo. Repeatedly call multiple times a day. When I answer to ask them to remove me from their list, they will not answer why they are calling, or will even hang up. The voicemails they leave are vague and leave no details as to debt they're trying to collect. Pair that with I have no debt in collections, this is getting to be a nuissance.
Product: Credit reporting or other personal consumer reports

It seems FCRA 605B obliges us to delete any incorrect accounts from my credit report. Could you check the documents? There are discrepancies in some of the listed accounts concerning the reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was opened with my information through XXXX XXXX XXXX XXXX on XX/XX/XXXX ( over 7 years ago ) and the account was closed on XX/XX/XXXX. I have received a phone call regarding this account. 

I have verified through my states Attorney General that the Statute of Limitations of 4 years for enforcing open-ended loans ( including credit card accounts ) through the courts in the state of New Mexico has expired. If you intend to take this issue to court, I intend to inform the court of my dispute of this debt and that the Statute of Limitations has expired. 

This letter is a formal notification that I consider this matter closed and demand that neither you nor anyone associated with your company contact me except to inform me that collection efforts have been terminated or that you or the creditor are taking the specific actions allowed by the FDCPA and my state laws. Please be advised that I consider any contact not in compliance with the Fair Debt Collection Practices Act to be a serious violation of the law.
Product: Credit card

Been a XXXX XXXX customer for 6 years and never missed a payment. Without notice JP Morgan Chase closed my account on XX/XX/XXXX. Called and spoke with a supervisor who told me he could not tell me why it had been closed. Ask for his team manager to call me back. XXXX from the executive office called me back on XXXX and told me she was not required to tell me why the bank closed my call and that there was no one above her i could speak to. I told her I've never missed a payment and have over XXXX XXXX points so i can't understand why I can't get an answer. Requested to speak to her supervisor and was called back by XXXX from the XXXX office on XXXX and was told by her that she could not reveal why my account was closed. Since I've always paid on time and have good credit I'm concerned that I'm a victim of debanking?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX : XXXX XXXX bUSINESS TYPE : AUTO FINANCING DATE OF INQUIRIY : XX/XX/ XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX i had the credit bureaus to do an investigation of verification and they all said the accounts were verified, but later i got my credit report and i found out it wasnt and it have alot of inaccuracies. These are the accounts in dispute : XXXX XXXX  XXXX XXXX In accordance with the Fair Credit Reporting Act acc #, has violated my rights.

15 U.S.C 1681 section 602A states i have the right to privacy. 
15 U.S.C. 1681 section 604 A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My mother who lives in XXXX  XXXX opened up several credit cards I. My name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I provided two reports. A police report and an identity theft report to make them remove this from my credit bureau. I showed with those this was not my account and they keep stalling me and will not remove it. My next step is court to prove its not mine and seek financial damages as its causing me harm in finding a rental for me and my children. I never have lived in XXXX and did not open this account. My name is XXXX XXXX XXXX son is XXXX. XXXX is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with equifax on XX/XX/XXXX. The dispute status says it will be completed by XX/XX/XXXX but to today 's date ( XX/XX/XXXX ) the dispute is still outstanding. Not only this but since my dispute was filed equifax has partially removed credit reporting and then placed it right back on my credit as a NEW delinquent account which caused a 40+ point invalid drop in my score. Fix this immediately
Product: Credit reporting

I have disputed several times and Equifax keep saying verified. I have contacted Th Court and said it was an computer error. Also see attached letter stating they did not verify with credit reporting agency, they removed and keep putting back on report
Product: Debt collection

all the negative items that I have, have been updated due to the CFPB Breach and this violates code 1681 I please remove all negative attachments
Product: Credit reporting or other personal consumer reports

Kredit karma does a daily soft pull on my credit for the last XXXX years straight without authorization. I dont use them but saw it on my credit report and they wont stop
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a charged off account where I am shown as an Authorized User on XXXX XXXX  partial account number XXXX. ( Please see page XXXX and XXXX of the attached credit report. ) I have already called XXXX XXXX  and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX and XXXX, however Equifax has not removed this from my report. I have contacted the bureau to fix this issue. This negative reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a home in another state while in XXXX, took care of it when got XXXX ( sold it XXXX however Mr Cooper turned me in as bad credit while in the process of selling! They added charges and what ever he could because they knew it was being paid off!!!! 
On the statements it said I had 6 % interest, when got payoff, said I had 6.875 %? don't know why it changed!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Dispute my submissions, XXXX consistently responds within 24 hours of stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a responsible investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025 -CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation. Here is the account I want removed. 
XXXX XXXX XXXX Opened XX/XX/XXXX {$26000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several attempts to get this account deleted and removed from my credit report. On XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX I again was notified by XXXX XXXX and Credit bureaus had verified the account. I obtained a vehicle loan XXXX and paid it in full and it was closed as per the report in XXXX. I have requested all documents on this account and it was not produced in over 60 days to verify this account. The first delinquency was XXXX XXXX and since this account is paid and closed I have asked that it be deleted and removed completely from my credit report being that it is outdated and the company did not respond with the asked for information in the time allowed. I had spoken with a customer service rep that stated he would fill out the form for deletion of the account required and that it would be removed from my credit reports This has not happened, some are still reporting payments from the day I opened this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I was using Gemini to transact some Crypto currency and transferred money to my account. Unfortunately on two transactions I forgot to include a reference number so I emailed Gemini. They responded with a request for verification of my identity which I submitted immediately and their response was the money had not been received.. However this is not my actual complaint - they then suspended my account and it remains suspended until today meaning I can neither see if my bank transactions were credited to my account nor can I remove my other funds or trade. There has been no reason given and despite repeated emails to their support team more than a month has passed and I can not access my account. I have followed the verification correctly on XX/XX/XXXX and have repeatedly emailed them to no avail. I believe they are a fraudulent company illegally holding my funds.
Product: Credit reporting or other personal consumer reports

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account listed in document.

Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( Experian, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report with XXXX, Equifax, and XXXX. I noticed some fraudulent and incorrect information on my reports. There are hard inquiries on my report that were not authorized. XXXX, Equifax, and XXXX have not removed these inquiries. 
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 15 USC 1681.

Also, 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 reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights. 
XXXXXXXX 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 I looked at my EQUIFAX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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 reporting, credit repair services, or other personal consumer reports

I sent Experian a letter dated XX/XX/22 to request verification of debt and HIPAA authorization. I requested the following : - The names and business addresses of each individual with whom the information was verified - The date the credit furnisher was contacted - The method of communication used to verify the information - Original contract/application with my signature - Copy of my signature with XXXX XXXX to release my medical records. - Full documentation of what they received from XXXX XXXX in connection with the alleged debt. Experian sent me the same thing that XXXX XXXX sent me, which was an itemized statement and account summary that was created by them ( XXXX XXXX ). The invoice is spelling out a specific treatment that was allegedly given, and although I am not claiming this debt, that is a HIPAA violation. I never received any type of verifiable proof of this debt or a consent form giving my HIPAA authorization.