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

I am reaching out to address the discrepancies apparent in my credit report and to seek validation of specific debts listed therein. As a responsible consumer, I have consistently made payments on these accounts, albeit in minimum amounts, due to challenging circumstances. It's crucial to underscore that these minimal payments were not a result of negligence but rather a strategic approach to mitigate further damage to my credit report. I want to emphasize that these payments were made with the intention of safeguarding my credit score, and they do not imply any admission of liability for debts incurred fraudulently. The accounts in question, associated with Upgrade ( Account # XXXX ), XXXX  ( Account # XXXX ), and XXXX XXXX ( Account # XXXX ), have been subject to these payments. Given these circumstances, I urge for the immediate removal of these inaccurate items from my credit report. Their presence not only undermines the integrity of my financial profile but also poses significant challenges in accessing future credit facilities. Therefore, I appeal to your understanding and authority to facilitate the removal of these erroneous entries from my credit report promptly.
Product: Checking or savings account

On XX/XX/XXXX I received a letter from a collection agency, Revco Solutions , Inc. stating they were seeking {$85.00} for a bank account that has been closed in XXXX. The letter does not state what this fee is for. The account was closed in good standing. Therefore I am disputing this charge they are seeking. I have contacted the Financial Institution in question and I am awaiting a response. In the interim I have also attempted to contact the collection to no avail. I called and the prompts stated that I should leave my information on a voicemailbox.
Product: Debt collection

XX/XX/2014 CREDIT ACCEPTANCE CORPORATION USED ABUSIVE ACTS AND MISLEADING ACTS TO COLLECT A PAID DEBT THE DEBT WAS PAID IN FULL AT THE TIME OF THE CONSUMER TRANSACTION USING MY SOICAL SERCURITY CARD GIVIEN TO ME BY CONGRESS, WHEN A FINANCE CHARGE IS REQUIRED IT IS THE SUM OF ALL PAYMENTS
Product: Checking or savings account

On XX/XX/2022, XXXX debited {$89.00} & {$89.00} from my checking account with Capital One Bank. I did not order any product from this company. I've never even heard of this company. I searched them on the web and sent them an email on XX/XX/2022 stating this should not have been deducted from my account. I sent another email on XX/XX/2022, asking why they are not responding to my email. I've tried to call numerous times and the message says, " this phone is not set up to receive calls. I'm so frustrated. There is no way for me to reach them and my bank will not refund the money. Please help me.
Product: Credit reporting or other personal consumer reports

Dear Equifax Customer Service, I am writing to formally request that all accounts or records under my name, associated with or potentially compromised due to the recent data breach, be permanently blocked and deleted from my credit report. I am a victim of this breach, and I believe my information may have been exposed to unauthorized access, putting me at risk of identity theft and financial harm.

Under 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to have fraudulent information resulting from identity theft blocked from my credit report. Therefore, I am requesting the removal of any accounts or records that may have been added, altered, or impacted by this breach.

Please confirm the completion of this request in writing, along with any documentation reflecting the actions taken to block or delete the affected records.

Thank you for your immediate attention to this matter. I appreciate your cooperation in safeguarding my personal information and maintaining the accuracy of my credit history. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/22 a payment was made to my Huntington Bank checking account of XXXX. The payment was sent by XXXX XXXX. XXXX Bank verified that it was sent to my account yet I have not received it. I inquired many times at Huntington Bank both in person and online only to be told to bring them more information to help them find my money.
Product: Debt collection

National Credit Systems is trying to collect a debt that is not mine but belongs to my son, which is XXXX XXXX XXXX National Credit Systems is still reporting this incorrect information to all 3 bureaus.
Product: Consumer Loan

Upon the expiration of my lease I applied for a car loan from Honda Finance. There were special financing offers including a .9 % which I desired. The agreed purchase price was {$16000.00} which is the requested financing. I had made thirty six timely payments on my lease with Honda but was turned down for financing. I received a letter stating the reason as " AHFC must verify information '' I believe the abbreviation is American Honda Finance Corp. I believe I was denied a loan because I am XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a bankruptcy account that is being reported on my consumer report I have spoken with a clerk from the bankruptcy court in person and she confirmed that the bankruptcy courts do not provide information to any consumer reporting agency ( Letter Attached ). This is a violation of my rights pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). I never gave Experian any written instructions to do so. Experian has also failed to exercise their grave responsibility to respect my right to privacy for their profit. The reporting of this information has ruined my representation as a consumer in commerce. It has made it difficult to purchase a home and above-par medical treatment as a living human being. Experian will be held civilly liable for willful and negligent noncompliance for any failure to comply with the below deletion demand. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX BANK # 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 XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy.

15 U.S.C 1681b Section 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions
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 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a 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: Credit reporting or other personal consumer reports

I received a credit monitoring alert today, Tuesday XX/XX/2024 that I have a credit inquiry from : XXXX. 

I did not apply for nor authorized this company to pull and access my credit report.
Product: Money transfer, virtual currency, or money service

- On XX/XX/XXXX, XXXX XXXX Bank ( XXXX ) charged me {$75.00} for a foreign currency transfer of amount {$7300.00} from my checking account. 
- On XX/XX/XXXX, my family member informed me that Industrial and XXXXXXXX XXXX XXXX XXXX ( XXXX ) notified the money can not deposit into the Beneficial 's account, due to local policy that they are not able to withdraw afterwards. 
- On XX/XX/XXXX, the deposit was never deposit into Beneficial 's account. 
- On XX/XX/XXXX, I went to XXXX requested a wire transfer recall. Charged by XXXX {$35.00} for the recall. 
- Beneficial went to XXXX local bank and confirmed the deposit is back to the sender. 
- Called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to request further information, including wire transfer trace, being informed that the middle agent Well Fargo haven't response any info back to XXXX. 
- No other follow up action was proceed due to the long waiting period without any response from middle agent. and no information has been provided where is the deposit money is? Has been hold my saving without a proper explanation. 
- Customer being told every single time when she try to reach wire transfer department, this is internal department, contact with customer service, customer service say contact with the local branch who did transfer, contact with the local branch, being told wire transfer department doesn't have any follow up. Customer is being in the dead circle with XXXX. 
- Wire transfer Money won't just sitting there and be gone, XXXX need to follow up with customer to deposit the money back to her account.
Product: Credit reporting or other personal consumer reports

A collection was recently placed on my credit report that didn't belong to me. The agency that placed the information was XXXX XXXX XXXX. I called them and spoke with a supervisor by the name of XXXX and explained to her that the account belong to a corporate account and she argued with me stating that the account indeed belong to me. I asked her for the documentation and she swore that it belong to me and I told her I had documentation stating otherwise. I told her to remove it immediately which she refused. After a lengthy conversation she told me she would send me an email with all the information that shows it belongs to me. A few days later I received letter from the original creditor stating that they would not be pursuing me for financial responsibilities than yesterday I received a letter from XXXX  that they would be removing the account from my report. They placed an account that never belong to me in the first place and never had any documentation to prove otherwise.
Product: Debt collection

In XXXX i owed XXXX XXXX XXXX on a credit card debt. In XXXX it was charged off at XXXX, apparently sometime in early XXXX they got involved to assist in collection. Its been stated Johnson mark llc tried to contact me, then shortly after obtained a default judgement. Again apparently in XXXX ( maybe XXXX ) and in XXXX Of XXXX they again tried to negotiate a settlement with me, But since i didnt respond they got a judgement and ended up garnishing me in XXXX of XXXX. Facts are they didnt not provide, notify or contact me on this, and infact in those months of XXXX they pingged my XXXX work report and knew where i was, They served a writ of garnish of XXXX and in early XXXX AGAIN provided my employer with a additional XXXX still owed after the XXXX was garnished. At that point i contacted XXXX in XXXX and all of a sudden the second garnishment stopped and only XXXX was taken out of the XXXX, i have requested documents on the second garnishment XXXX seperate times and have not gotten anything from my former employer only that wat i have stated has happen in a verbal form. My former employer has stated a letter of satisfaction was sent, Again when i complained. The writ copy i recieved doesnt add up, Time stamps dont match documentation and no judges signature, Even the case number cant be found. They tried to garnish bank accounts i never had and Johnson mark llc documentation reads johnson riddle mark llc, in XXXX? This firm hasnt been johnson riddle mark for a while only johnson mark llc? I got ripped off big time!!
Product: Debt collection

XXXX contacted me via mail and phone. They say I have a pst due debt from XXXX XXXX XXXX XXXX ( never received a bill from this particular company -- XXXX it and it does not exist -- first red flag ). The bill was allegedly from my hospital visit back in XX/XX/2017,  which all but one bill from that hospital visit has been paid in full. 
I have researched this business and it seems to be a scam. They called me as well, the lady was extremely aggressive and wanted me to give identifying information about myself so that they could open my account. I told her I would not be giving identifying information about myself because I believed this was a scam. The woman then yelled at me and then hung up.
Product: Debt collection

On XX/XX/XXXX, I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that WAKEFIELD had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/XXXX with a balance of {$360.00}. I had no knowledge of this company nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of making a major purchase. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with making a major purchase and business ventures that have to be delayed until this illegal account is removed. WAKEFIELD AND ASSOCIATES XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX for multiple violations of consumer protection laws and potentially fraudulent activities. The details of my complaint are as follows : XXXX. Ignored Bona Fide Purchaser Dispute : On XX/XX/XXXX, I filed a bona fide purchaser dispute under XXXX XXXX regarding my debt with Navy Federal Credit Union XXXX This dispute should have halted any further action on the debt until properly addressed. However, Navy Federal, XXXX, and XXXX XXXX XXXX XXXX ignored this dispute and proceeded with unauthorized actions. 

XXXX. Unauthorized Access to Personal Information : Navy Federal, XXXX, and XXXX XXXX XXXX XXXX accessed my personal, non-public financial information without proper authorization. I have repeatedly requested proof of authorization, such as a signed Form XXXX or equivalent consent form, but they have failed to provide any such documentation. 

XXXX. Wrongful Repossession : Despite the pending dispute, Navy Federal, XXXX, and XXXX XXXX proceeded with the repossession of property on XX/XX/XXXX. This action, taken while a legitimate dispute was unresolved, constitutes wrongful repossession. 

XXXX. Potential Fraud : The actions of XXXX XXXX Navy Federal, and XXXX XXXX XXXX XXXX potentially constitute fraud as defined in legal precedent ( XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX ). They have intentionally misrepresented or concealed facts, leading to my legal injury. 

XXXX. Violations of Consumer Protection Laws : I believe these actions violate several consumer protection laws, including but not limited to the Fair Credit Reporting Act, the Gramm-Leach-Bliley Act, and the Right to Financial Privacy Act. 

I request that your office investigate these violations and take appropriate action against XXXX, Navy Federal, and XXXX XXXX XXXX XXXX. I am prepared to provide any additional information or documentation necessary to support this complaint AND THE IMMEDIATE RETURN OF MY PROPERTY.
Product: Credit reporting or other personal consumer reports

My identity has been used without my consent acknowledge nor my permission please delete and remove this fraudulent inquiries from my credit report immediately inquire : XXXX XXXX ( Finance ) XX/XX/2024, XXXXXXXX XXXX XXXXXXXX ( Auto ) XXXX, XXXX XXXX  ( Bank ) XX/XX/2024, XXXX XXXX XXXX ( Bank ) XX/XX/2024. This inquires are unauthorized these illegal inquiries are reported illegally on my check systems report, XXXX report, Equifax report, and XXXX XXXX report. It must be removed ASAP Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. 
And and send the required notifications to all furnishers of this information under FCRA 605B ( 15 U.S.C. 1681c-2 ) these inquiries must be deleted immediately And and send the required notifications to all furnishers of this information under FCRA 605B ( 15 U.S.C. 1681c-2 ) these inquiries must be deleted immediately 15 U.S. Code 1679c - 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts 15 U.S. Code 1681 - please remove these unauthorized inquiries by law thank you 15 U.S. Code 1681b - Permissible purposes of consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations.

Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. {$1600.00} ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputingl.

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX SS XXXX current mobile phone XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX/XXXX  XXXX # XXXX, account is reporting 30, DAYS LATE since requested assistance due to the pandemic. 
I have a few complaints in addition to the one above I HAVE NO RECORDS OF THE FOLLOWING ACCOUNTS this problem has come at a time when none of these companies has provided me with any documentation to verify the chain of title of ownership or proof of claim please delete the following accounts : XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX.