23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to dispute the validity of the alleged debt associated with the account referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am requesting verification and validation of the following information : 1. The name of the original creditor of this account.

2. The amount of the alleged debt.

3. The methodology used to calculate the amount of the alleged debt. 

I am requesting this information within the statutory time frame provided by the FDCPA to ensure the accuracy and legitimacy of the debt being pursued. Failure to provide this information may result in further actions on my part to rectify this matter. 

Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Debt Buyer Date Opened : XX/XX/XXXX Status : Collection account, {$1100.00} past due as of XX/XX/XXXX Balance : {$1100.00} ( as of XX/XX/XXXX ) Original Creditor : XXXX Payment History : Please refer to the attached payment history for further details. 

I request that you cease all collection activities until the requested information has been provided and the validity of the debt has been verified. Additionally, I am requesting that any negative reporting associated with this account be suspended until the dispute is resolved in accordance with the law. 

Please provide the requested information to the address listed above at your earliest convenience. If you are unable to verify the debt, I expect the immediate removal of this account from my credit report.
Product: Debt collection

In accordance with the Fair Credit act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 Credence Resource XXXX XXXX
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS THAT I HAVE NO AFFILIATION WITH OR KNOWLEDGE OF. I PREVIOUSLY WORKED A SERVICE INDUSTRY EVENT WHERE MY WALLET WAS TAKEN THAT INCLUDED MY DRIVER 'S LICENSE AND SOCIAL SECURITY CARD. 
I CONTACTED THE CREDIT REPORTING AGENCY REQUESTING VERIFICATION, ANF THE ACCOUNTS ARE UNVERIFIABLE. THESE ACCOUNTS BEING PLACED ON MY ACCOUNT ARE SEVERELY IMPACTING MY CREDIT I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THESE ACCOUNTS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681B FUTHERMORE FURNISHING ACCOUNTS RESULTING IN IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Product: Credit card

Subject : Unfair Credit Limit Reduction & Possible Unauthorized Hard Inquiry XXXX XXXX XXXX XXXX XXXX filing this complaint against XXXX XXXX XXXX regarding their unfair and disproportionate credit limit reduction on my XXXX XXXX XXXX XXXX XXXX, as well as a potentially misleading hard credit inquiry performed without my clear consent. 
Background My Strong Credit History I have been a responsible credit card user for over 15 years, maintaining a 100 % on-time payment record across all my accounts. I have about XXXX credit cards in good standing, and my first credit card was issued in XXXX. My XXXX XXXX XXXX card was opened in XXXX or XXXX, and I have never had a late payment until this isolated incident. 

Unintentional Late Payment 7 Days Late Due to Family Emergency On [ XX/XX/XXXX ], I unintentionally missed my minimum payment of {$91.00} by 7 days due to an unforeseen family emergency. My fathers home was destroyed in the XXXX XXXX, and I was heavily involved in assisting him during this crisis. As soon as I realized the mistake, I immediately paid my full statement balance in good faith. 

Despite my otherwise flawless credit record, Elan XXXX XXXX drastically slashed my credit limit from {$25000.00} to just {$500.00}, citing late payment history. This is a grossly inaccurate and unjustified reason, as I have never before missed a payment, and this was a one-time, 7-day delayfar from what would typically warrant such an extreme penalty.

Unfair Credit Limit Reduction & Its Consequences Elans excessive credit limit reduction has : 1. Severely impacted my credit utilization
ratio, potentially damaging my credit score.

2. Created a negative perception among other lenders, which could lead to further unjustified limit reductions.

3. Demonstrated a lack of fair lending practices, as this decision was clearly made without a reasonable review of my long-standing financial responsibility. 

I reached out to Elans customer service for reconsideration, but the representative was dismissive, unwilling to listen, and insisted that my only option was to request a credit limit increasewhich I never asked for. 

Potentially Unauthorized Hard Credit Inquiry During my call with Elans customer service, I specifically requested a reinstatement of my original credit limit, given my perfect history. However, instead of reviewing my reinstatement request, the representative proceeded with a credit limit increase request without my explicit consent. 

Later, I was notified that my request for a credit limit increase was deniedsomething I never actually requested. If a hard inquiry was placed on my credit report as a result of this misrepresented request, I consider this to be a deceptive and unfair practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account 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: Debt collection

Account Name : JPMCB CARD Account Number : XXXX Date Opened : XX/XX/2013 Balance : {$1200.00} Reason : Identity theft Please remove it from my Credit Report.
Product: Credit reporting or other personal consumer reports

I previously disputed this account stating : " This account is incorrectly reporting that I hav late payments. On my XXXX report there are 0 late payments being reported. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
Product: Credit reporting or other personal consumer reports

There are 2 accounts reporting that I am not familiar with. I don't recognize either one. Please help me to get these accounts remove from my credit report. 
XXXX XXXX account with a balance of {$3000.00} and XXXX account with a balance of {$4100.00}. 

Please remove this incorrect address and employer information XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am a member of the North Carolina State Employees Credit Union. On XX/XX/2020, I XXXX XXXX XXXX submitted through SECU 's online portal an application for a Visa Credit Card with a requested amount of {$4000.00}. The application gave me the option to list " other household income. '' I listed my boyfriends income as we live together. He pays the rent in the amount of $ XXXXmonth, and I pay utilities and a few other items such as the bulk of our groceries. My application was denied as of XX/XX/2020. I called my local branch in XXXX and requested a call back from a loan officer to discuss why my application was denied. During my phone call on XX/XX/2020 with the loan officer, he stated that SECU would not actually allow me to use my partners income as a factor in thier decision process as they had no proof that I had access to the funds. I explained that my partner pays the listed {$1500.00} rent monthly, and that I paid the utilities and bluk of the groceries for the household. I also explained that some of the utility bills had both of our names on it, as well as our rent was paid electronically through a portal via the realtors company and would prove that he pays the rent with his bank account each month. The loan officer cited that was still not proof that I had access to that money. That we would need a joint bank account. I advised him that I would not do a joint bank account unless I was married to the other person, and that it was not fair for that to be the requirement to prove that this persons income is a part of the " other household income '' as their application listed it. 
SECU loan officer continued to repeat that SECU would not allow loan officers to take that into account and that without that income my debt to income ratio was too high. I feel that this is deceptive on the part of the Credit Union and should be changed. On the application it allows me to list this income without any stipulations mentioned in terms of it being eligible income pertaining to my application. Anyone living together in our situation would be subject to the same misleading practices.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX 2017 I arrived at Onemain Financial Branch located in XXXX California. I proceeded to apply for a loan and was informed I was approved for XXXX by associate XXXX and her District Manager XXXX. I was unable to stay later to complete application due to having to go to work and was informed I could go to another branch closer to me to complete application if needed. I went to XXXX XXXX California branch on XX/XX/XXXX and was informed I could not be approved. They did not ask for my most current paystub or any documentation and added inaccurate information to my application so it then showed I was not approved because my debt to income ratio was not accurate. I was extremely confused and upset because I had expected I would be getting funded. Although the original underwriter, the district manager approved my loan initially I was informed it could not be funded due to the information received by the XXXX XXXX location which was not accurate. They added payments to my application that were n't actually payments. If you approve someone initially as a company I believe you should honor that. I do n't understand the inconsistent underwriting and I think that needs to be dealt with company wide. As a previous customer who made her first payment on time and paid off loan I am also extremely disappointed in their practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT TYPE OPEN ACCOUNTS ACCOUNTS WITH A BALANCE REVOLVING XXXX XXXX {$52000.00} {$16000.00} {$68000.00} {$1500.00} ... WRONG! 
MORTGAGE XXXX XXXX {$230000.00} {$13000.00} {$240000.00} {$0.00} ... WRONG! 
INSTALLMENT XXXX XXXX {$5000.00} {$9900.00} {$15000.00} {$480.00} ... WRONG! 
OTHER XXXX XXXX {$0.00} {$0.00} {$0.00} {$0.00} TOTAL XXXX XXXX {$280000.00} {$39000.00} {$320000.00} {$2000.00} ... WRONG! 


*ALL OF THESE BALANCES ARE WRONG!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 things I would like to address concerning Equifax. One is the dispute results I received from Equifax on 3 accounts ( all the same company : XXXX XXXX XXXX ) on XX/XX/XXXX. I disputed the ownership of all 3 reported collections reports because I have not been to the hospital in over 10 years, and this company claims I owe {$85.00}, {$65.00} and {$65.00} for medical bills that were first reported late as of XX/XX/XXXX. These do not belong to me. Equifax came back with the results and said they were accurate and will not be removed from my credit report. XXXX and XXXX both found these accounts do not belong to me, and they have removed them from my credit report. Here is the REAL issue with Equifax 's results. Notice at the top of " Equifax XXXX XXXX  '' they have my name ( in First / Last order ) as XXXX XXXX. My name is XXXX XXXX... they have my name wrong on the dispute results. There is no comma between XXXX and XXXX, they simply got my name wrong... so how am I to trust Equifax is supplying the correct information when they can not even get my name right? My second issue- After I disputed the results including the incorrect name, my credit score mysteriously dropped XXXX points ( only on Equifax... not XXXX or XXXX ). Their reasoning was that my score dropped XXXX points because I was granted a {$120.00} credit limit increase for paying my credit card bill on time AND because my credit card balance decreased {$330.00} when I paid it off. I do not understand HOW being rewarded by a credit card company with a credit increase, or how paying my credit card bill AS EXPECTED - ON TIME with a {$0.00} balance can LEGALLY do my credit harm?? These are both good things... why am I being punished for having good things reported to Equifax? I'm starting to feel like there is some personal bias because I brought their mistake to their attention, and they didnt like it. Please help me, I have been trying so hard to buy a house for 3 years now and Equifax is always the one who destroys that opportunity for me and it's not fair.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX XXXX XXXX XXXX XXXX XXXX Greeting To Whom It May Concern, Please take a look at the information that I am disputing on my Credit report, this information is inaccurate on my credit report. I am sending a copy of closed accounts and inquires on my credit report and inaccurate information on my account. This information needs to be addressed. Please correct information concerning all these accounts. ( Please see attached ). I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquires that are not mines and needs to be removed.

Please send me written confirmation, also included proof. That youve complied with section 623 ( a ) ( 4 ) of the fair Credit reporting Act for the National credit Bureaus.

Thank you for your cooperation. If you have any question concerning this matter, I can be reached at phone number above. 
XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXXXXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance Companies - non specific Contact info Address XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number XXXX XXXX ) XXXX Thanks in Advance
Product: Credit reporting or other personal consumer reports

This has been an ongoing issue with Transunion and the refusal to delete an account, the reinsertion of an account which violates the FCR, and allowing XXXX to reage an account. I'm entitled to {$1000.00} per violation and ir should be enforced or forwarded to the correct agency that will enforce such heinous violations. CFPB will see that I have made numerous complaints and filed numerous disputes and Transunion has failed delete this account and I have been denied home loans and other forms of credit. If Transunion continues to deny me monetary compensation I will be forced under the FCRA to sue for maximum damages which includes attorney fees. From XX/XX/XXXX until XX/XX/XXXX Transunion has continued to report inaccurate information in regards to a XXXX account which appears on my credit report. I will show I have made numerous call6and I've spent over 300 hours trying to get this account validated and deleted for it's inaccuracies. I will show that I have filed numerous CFPB complaints and Transunion responds with the same computer generated response and refuses to pay monetary damages. I will show that I was willing to settle for {$25000.00} which was reasonably and Transunion refused and never contacted me to settle. Transunion needs to delete this account and pay me {$1000.00} per violation as a deletion can't undo the damage that has been caused by Transunion failure to correct my credit report. Each month Transunion has allowed XXXX to report this account should be deleted in XXXX which is inaccurate as it's the first date of delinquency which according to the report is XX/XX/XXXX. I have asked for validation of debt and I've never been provided with proof and I've submitted proof that XXXX couldn't provide validation. I have proof this account was deleted and reinserted without proof or cause. Transunion needs to be held accountable and pay me for this continued violation. Transunion has a last payment date of XX/XX/XXXX which is inaccurate and another violation. I'm willing to settle for monetary damages along with deletions per FCRA to avoid going to court and Transunion paying attorney fees. I have also asked Transunion to delete inquiries that I don't have any knowledge of and they have refused. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Per FCRA Transunion continuing violations are not in accordance to the law and the inaccurate reporting at {$1000.00} per violation constitutes at the minimum of XXXX and the maximum of XXXX per month and I'm entitled to compensation and it must be enforced.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WS XXXX XXXX XXXX, XXXX XXXX SOC SEC  # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that this debt be removed multiple times as it is both erroneous and false on my credit reports with XXXX, XXXX, and XXXX. This account XXXX has been misreporting as a factoring company on my credit reports.This is a direct FCRA violation and I will seek to file suit unless this account is removed from my credit reports.PRA is reporting falsely because they are a debt collection company not a factoring company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a formal complaint and dispute letter notifying XXXX of an inaccurate account showing on my credit report file. Under FCRA section 609 XXXX had 30 days to investigate and either verify and validate the account or remove it from credit file. XXXX has now exceeded and surpass the designated time frame given under federal laws and FCRA guidelines. The account in question is as Follows XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that XXXX, Equifax and XXXX decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. PLEASE remove these unknown items from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$28000.00} ; XXXX XXXXXXXX Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Balance {$25000.00} ; Bankruptcy XXXX XXXXXXXXdismissed US BKPT CT FL XXXX XXXX XXXX on XX/XX/XXXX Reference number : XXXX ; Bankruptcy XXXX XXXX-discharged US BKPT CT FL XXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX  XXXX Bankruptcy : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX ;
Product: Debt collection

Southwest Credit Systems XXXX violated my rights 15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 usc 1692b ( 2 ) not state that such consumer owes anydebt ; I have attached my ID, social, & proof of residency during the date of service. This account is being inaccurately reported on my credit.