23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a negative annotation on my credit file/report at the credit bureaus from the collections agency listed as Enhanced Recovery Co, despite not owing this debt. I have contacted this company explaining to the person I spoke with that this debt is not mine, and it is a result of identity theft. I also told this person that I never opened an account with or did business with the company that I am supposed to owe. The drop off date for this debt on my credit file is listed as XX/XX/XXXX, which indicates that I either opened an account or had been delinquent for the account in question in XX/XX/XXXX. I have never had any service from XXXX XXXX, and despite my informing the mentioned Enhanced Recovery Co of all the above statements, with emphasis that this is an account opened fraudulently, I was totally ignored and was told to simply pay the amount of {$520.00}. Not only is company Enhanced Recovery Co disregarding my plea for attention to this matter, they are directly contributing to my being victimized, by asking me to pay this amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this XXXX CFPB compliant to follow up my dispute with certain remaining fraudulent inquiries in my credit file, which I believe are a result of identity theft. Once more, none of these inquiries are associated with any transactions involving the acquisition of goods, services, or money that I have authorized or made. Therefore, I kindly request that the Experian, XXXX and XXXX Credit Bureaus to block and remove any information in my credit file that originated from these alleged identity theft incidents : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have no knowledge of these inquiries, and I also have concerns about the accuracy of the reported history, as some of the inquiries have already been deleted by the Experian, XXXX and XXXX Credit Bureaus. In accordance with FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Bank account or service

I had a checking account with my girlfriend. Her ex husband had an account there also with her name on it. His account was over drawn so they took my money out of my account for his debt owed to the bank. I want all my money back his debt has nothing to do with me.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX XX/XX/year> Reason : I don't recognize this account
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Investigation and Deletion of Incorrect Charge-off Report I am writing to challenge and urgently request the removal of incorrect and unauthorized charge-off entries listed on my credit report by a third-party collection agency. These entries have significantly compromised my financial status, preventing me from obtaining a home mortgage, an auto loan, and additional credit lines. 
It is important to note that I have no contractual ties with this collection agency. Their reporting of charge-offs on my account, which I never authorized, lacks any legal basis and violates several laws concerning credit reporting and consumer privacy : 1. **Unauthorized Reporting** : Charge-offs reported on my credit are without my agreement, constituting a breach of the legal standards governing credit reporting.

2. **Failure to Furnish Form 1099-C** : The agency did not provide the Form 1099-C required for accurate tax reporting, exposing me to potential tax compliance issues.

3. **Privacy Rights Violation** : Reporting my personal financial information without consent is a direct violation of the Privacy Act of 1974 ( 5 U.S. Code 552a ), which safeguards against such unauthorized disclosures.

4. **Absence of Contractual Relationship** : I have never consented to any agreement with this agency, making their report an infringement on my consumer rights.

5. **Opt-Out Rights** : I am officially opting out of all implicit permissions for the sharing or reporting of my credit information, as supported by regulations 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805.

Given these concerns, I request a prompt investigation into these inaccuracies and the removal of the disputed entries from my credit report. I expect a written confirmation of these corrections. Please be advised that I am prepared to pursue further actions, including legal remedies, to correct my credit information and defend my rights. 
I appreciate your immediate attention to this critical issue and await your swift response and resolution.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Product: Credit card

I made XXXX purchases on XXXX, on XXXX XXXX and XXXX XXXX, 2015, for {$150.00} each, using a credit card from Chase bank. 
These were purchases, but Chase insists that they were cash advances, and accordingly charged me a {$10.00} cash advance transaction fee and a higher cash advance interest rate. 
After I confronted Chase with a statement from XXXX saying that XXXX does not process cash advances, and threatened to file a complaint with the CFPB, they refunded my transaction fees as a " courtesy, '' but continue to insist that they were cash advances ( although I received no cash or anything similar from the transactions ) and continue to charge me interest on these transaction at the higher cash advance rate. 
Interestingly, on my annual summary Chase correctly classifies these transactions as the purchase of a service, while nevertheless insisting in correspondence that they were cash advances. 
I would like these transactions reclassified as purchases ( consistent with XXXX 's classification ), and excess interest charged refunded to my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and de
tailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 day
s of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX  XXXX  ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

Creditor : XXXX Account Number : XXXX I know this account contains inaccuracies that are significantly damaging to my credit score. Therefore, I request an immediate re-investigation of this item and deletion for your failure to do a proper investigation. Under 15 USC 1681n Civil Liability I can seek remedy which I intent to do so!

In accordance with the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsections A-D ), please provide the names and business addresses of each individual with whom you verified the account information. This will allow me to follow up as necessary. 

Additionally, once the re-investigation is complete, please send me an updated copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection that keeps showing up on my report literally every other day. Portfolio Recovery. I have attempted to contact them with no response. I have no open accounts or collections. All my debt was paid off earlier this year. This is not my account. It needs removed asap. They respond to no emails or calls. I've had no mail received. I'm assuming this account may belong to another person with my name. Again, it needs removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date below I sent all three Major Credit Bureaus the following letter to verify my account information, of which they all responded stating that the information they had on file had been investigated and verified. Information inmy credit filed could not have been investigated nor verified if one or more bureaus have conflicting opening dates and credit limits or other data incorrectly documented.

None of the Credit Bureaus sent any information detailing or proving an investigation had been properly conducted. Especially and specifically with the following ( 2 ) accounts, XXXX Validate Account XXXX XXXX XXXXXXXX Validate AccountXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Verification XXXX XXXXXXXX Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Validate Account * Please remove all non-account holding inquiries over 30 days old. 


Thank You, IrvinYoung 15 U.S. Code 1681i Procedure in case of disputed accuracy ( A ) In general If, 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
Product: Credit reporting or other personal consumer reports

I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email that had the wrong SSN and wrong information with my name attached to some accounts on my credit report. The statement in XXXX wasn't made by me which makes the information is fraudulent and I demand that each account be deleted immediately. The statement in the XXXX report wrong numbers asking to verify information to me using wrong phone numbers and adding wrong SSN numbers. 
The accounts that are not mine : XXXX XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX My correct information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX  XXXX
Product: Debt collection

Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with PENN CREDIT CORPORATION. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.
Product: Mortgage

The night before closing, our lender Prime Lending called to say there was a problem with our loan. The long and short of it is we were told for nearly 4 months, including a Uniform Residential Loan Application and an estimated cash to closing work sheet, that Prime Lending would match a {$3000.00} credit the preferred lender for our builder was offering. When we locked in our rate, the credit as well as our earnest money was not showing. I was assured in an email that the earnest money and credit were there " Your credits were removed, but you will definitely get credit for your {$5000.00} Earnest Money deposit. The {$3000.00} Lender credit will be negotiable depending on the rates. Right now, the markets are very volatile so we are seeing a lot of movements and sometimes not in a positive direction unfortunately. Again, we will continue to monitor the rates for you, but we will most likely iron down the fees within the next few weeks before your closing. " There was never any negotiating mentioned before this. The night before closing we were told that in order to honor that credit the loan would have to go through their corporate and legal departments which could delay closing for days. We did not have days to delay we had to be out of our rental and could not afford to pay for 2 moves plus storage. They were able to match {$1900.00} of the {$3000.00}, but we had to pay the difference.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL AND PHOTO ID TO USE MY IDENTITY ALSO THESE FRAUDULENT INQUIRES 1.XXXX 2.XXXX 3.XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from 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 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I have a Capital One Quicksilver card that have attempted several times to increase the credit limit on. First, Capital One said I didn't qualify for a credit limit increase due to my account carrying a balance from month-to-month, and allegedly I was not making sufficient monthly payments ( despite my payments always being in excess of the minimum ). To remedy this issue, I ensured that my account did not have a carryover balance from month-to-month. I recently applied for a credit limit increase again, and this time I was told I didn't qualify because I don't keep enough of a balance on my card. 

When I tried to call a Capital One rep for an explanation, I was told that there is no one that works for Capital One that can explain further the reasons for the denials, and that my only source for additional information was Capital One 's general blog. 

I don't understand what is happening and can not get a clear answer from Capital One. This is the second Capital One card that I have had, and each time Capital One has been unwilling to consider me for credit limit increases, while only providing boiler-plate and generic denial reasons. I closed the other account because after several years with Capital One, the company would not increase my credit limit beyond a {$6900.00} limit. Now, Capital One will similarly not increase my Quicksilver card, which requires good credit to qualify for in the first place, beyond a {$3800.00} limit. I am attempting to build by credit status as a young adult, and so I routinely ask my credit card companies for credit line increases roughly ever 6 months. I have a good credit score, no delinquent balances or adverse credit information, and my income ( which I regularly update with Capital One ) relative to my expenses is more than sufficient to cover any balance for the credit card. However, I keep being denied by Capital One for general reasons. I am starting to wonder if the denials are a pretext for denying me due to my demographic status. I have spoken with friends that are White and similarly have a Quicksilver card, and they do not seem to have issues receiving periodic and substantial credit limit increases.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611.
Product: Payday loan, title loan, or personal loan

I applied for a short term loan online. It redirected me to a loan website and said I would be contacted shortly by a representative. The number that called me was XXXX. At first they seemed like a legit business and I was in the process of giving them some of my information. Then I started receiving picture messages from the number calling me a XXXX as well as other offensive language. That's when I realized that this was clearly a scam and this number needed to be reported.
Product: Debt collection

I have encountered many incidents of financial identity theft dating back since XX/XX/2015. I was made aware of this payday advance loan when I received a letter dated XX/XX/2015 stating an unpaid collection had been reported. I did not apply for this loan.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unverified Debts on Credit Report by TransUnion and Third-Party Debt Collectors Dear Sir/Madam, I am filing a formal complaint against TransUnion and the following third-party debt collectors that are reporting unknown and unverified debts on my credit report. These debts are not owed by me, and I have never had any form of service or association with these companies. Despite my dispute, TransUnion has failed to properly investigate and verify these entries, which is damaging my credit profile and violating my rights under federal law. 

Details of the Accounts and Collection Companies : XXXX Amount : {$290.00} XXXX XXXX XXXX Amount : {$570.00} XXXX XXXX XXXX Amount : {$1600.00} These accounts are being reported by third-party collection agencies that I have never had any relationship or service with, and the debts they are attempting to collect are completely unknown to me. Despite my disputes to TransUnion and the collection agencies, the debts remain on my credit report, and I have received no satisfactory verification of these accounts. 

Violations : Failure to Verify Debt : I have disputed these debts with TransUnion, requesting verification in accordance with the Fair Credit Reporting Act ( FCRA ). However, TransUnion has not properly investigated or verified these debts, allowing them to remain on my credit report. 
Unlawful Debt Collection Practices : The collection agencies ( XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ) are attempting to collect debts that I do not owe. I have never had any accounts, services, or transactions with these companies. As per the Fair Debt Collection Practices Act ( FDCPA ), they are required to cease collection attempts unless they provide proper verification of the debt, which they have not done. 
Damage to Credit Report : As a result of these unverified debts remaining on my credit report, my credit score has been negatively impacted, even though the debts are not legitimate. 
Request for Action : I respectfully request that the Consumer Financial Protection Bureau investigate the following issues : TransUnions failure to verify these debts in compliance with the Fair Credit Reporting Act ( FCRA ). 
The illegal collection practices by the aforementioned third-party debt collectors attempting to collect debts I do not owe. 
The removal of these accounts from my credit report if proper verification is not provided. 
An investigation into whether these companies have violated federal regulations, including penalties if applicable