23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

actions taken by me thru email shopping for auto insurance on email below I clicked the link and in the middle of providing my information I got 2 phone calls and four text messages the email I clicked on below TrueIdentity XXXX Provided my date of birth name car description my address XXXX. 
and then phone calls started from XXXX and XXXX then text messages from XXXX, XXXX and XXXX mentioning the year and model stating my quote is ready finding my shared information saved on proggressive.com geico.com everquote.com pretected.com Witnessing these service and practices was fun and educational As my quote went higher and higher shows the integrity and sales of information Giving a clear view of a collective of sloppy service and desperate practices I had to write this complaint as a concerned American Understanding where our Country in means of service are becoming unprofessional unaccountable and XXXX XXXX
Product: Debt collection

I asked for documentation on the debt, the collector claimed to not have the documentation. He failed to notify me that I could dispute the debt. He refused to allow me to settle the debt for a lower amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was used with out my permissible purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been violating my consumer rights for several months now. I have been writing and communicating with this company for remedy but they are proving to be negligent. 

As per FCRA and 15 USC 1681 a and b : it states " ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

I, the consumer demand an updated and corrected account status on my credit from XXXX XXXX XXXX or complete removal of the account. 

By law, a " CHARGE OFF '' is considered a Certificate of Indebtedness which in other words defines as income, income can not be reported to credit report ; it must be removed.

Furthermore, as per 15 USC 6802 the law states " ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX XXXX XXXX did not communicate with me in doing such fraudulent violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX A account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX and account # XXXX, XXXX XXXX XXXX  account XXXX XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # xxxx, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did an   XXXX   credit report review and I found an unauthorized credit inquiry  ( h ard inquiry ) from ccb/ppc on  XXXX   XXXX ,  2017 .
Product: Mortgage

As of today, XX/XX/XXXX, there has not been any resolution to our payment issue. Another copy of the cancelled check was provided to Specialized Loan Services per their request and there is still nothing being done. They have reversed every payment now that we have ever made resulting in a past due status on our account. They have also caused my credit score to drop XXXX points in XXXX due to them reporting us opening a new account with them on XX/XX/XXXX and then closing it the very same day?? We need some direction on how to proceed and if we need to seek legal advice for our protection. This company has very little regard for their customers and I believe what they are doing to us is borderline criminal. 

The payment they are withholding from our account is in the amount of {$22000.00}. It was cashed and posted by SLS on XX/XX/XXXX and applied to our account. The check was then reversed by them on XX/XX/XXXX without explanation. 

Thank you for your assistance.
Product: Credit card

I called on XX/XX/08 /2024 reason for the call was, the credit card took the whole amount that was owed, I disputed the the charge due to there system online not updating, in the passed I adjusted it to minimum payment but it kept reverting back to the full amount, I logged online and adjusted it to minimum payment in XXXX and in XXXX, due to their system not updating. I had a payment charge for whole amount and it was declined for insufficient fund in XXXX and in mid XXXX which no Sense when I had already dispute it on the began of XXXX and women update and they yet haven't even returned my refund it's been 32 business days, when I was told it would take 7-21 business days
Product: Credit reporting or other personal consumer reports

Subject : Enclosed Correspondence Regarding Privacy and Opt-Out Request To Whom It May Concern, Please find enclosed two letters regarding my formal request to opt out of reporting my personal information, as detailed under the relevant sections of the U.S. Code and supported by federal guidelines. I am addressing these issues with respect to privacy protections afforded to me under 15 U.S.C. 6802 ( b ), along with applicable case law and Consumer Financial Protection Bureau guidance. These letters outline my concerns and specify actions requested to ensure compliance with my rights. I am asking that these matters be addressed promptly, with acknowledgment of the requested removals within 10 days. Thank you for your attention to this matter. I look forward to receiving confirmation of your compliance with these requests. Attachments : Letter XXXX Opt-Out Request Letter XXXX Privacy and Compliance
Product: Credit card

After being a loyal XXXX XXXX XXXX and XXXX customer, I recently expanded by loyalty to Citi to only endure a disturbing experience as follows : I had responded to, and was accepted for, a Citi XXXX XXXX offer for XXXX awards points. 
I began using my card while on vacation in XXXX. 
My Citi card was immediately breached and I was the victim of fraud. 
The card had to be closed and a new card had to be issued. 
The new card that was delivered without notification to me and sat in the concierge office for over a week. 
I paid off the breached card in FULL. 
I activated the new card and resumed making charges. 
Citi has denied its commitment to honor the XXXX XXXX XXXX points. 

After we activated the replacement card we called Citi to reconcile the account to determine how many more dollar purchases were remaining to receive the deposit of the XXXX XXXX XXXX points. We were informed by a Citi representative the XXXX would not be honored due to the delay in making our purchases within the timeframe. We were SHOCKED no consideration was offered due to other fraud issue that was not our fault. Any access to our card information was due to insecure Citi systems since the card never left our possession. 

We have been contacting Citi for over 30 days through multiple channels only to be stonewalled and deflected ( voice mails were left with no phone number or contact information ). We finally reached XXXX, a Citi representative, who contacted XXXX XXXX. XXXX indicated they would be willing to issue the XXXX points as promised. XXXX then contacted the Citi department to have the award of our points authorized but then told us it was being denied by Citi. At this point, we were completely frustrated and felt like we had become the victims of a bona fide " bait and switch. '' Due to the delay and inconvenience caused by the fraud issue, I am shocked and disturbed Citi is taking such a hardline approach to this. Because I suffered a breach in security with the fraud issue, I believe anyone would think it reasonable for Citi to make a concession and offer some additional time to make the required purchases. 

ISSUE There is no protection for a consumer to be able to make purchases when fraud has been committed. The delay caused by the card being closed should not penalize the consumer. Citi should make reasonable and fair provisions for the opportunity for purchases to be made. 

THE ASK Citi to reissue the card and honor the award of the XXXX XXXX XXXX points. 

Any help you could provide would be greatly appreciated.
Product: Debt collection

X/XX/XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , TX  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   VA  XXXX   XXXX  : Acct #  XXXX  To Whom It  May  Concern : This letter is regarding account #  XXXX , which you claim ( Collection account of {$940.00} was charged off ). This is a formal notice that your claim is disputed.     I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have  ( or ever had ) some contractual obligation to pay you.      Pl  ease also be aware that any negative mark found on my credit reports ( including       XXXX   XXXX   XXXX   XXXX     ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within  XXXX  days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I   will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Neglige
nt Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to   the validity of your claims.     Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.       P.S. Please be aware that dependent upon your response, I  may be detailing any potential issues with your company via an online public pre ss release, including documentation of any potential small claims action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX  are not complying with their own policies in a timely manner they are taking longer then 30 days to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Since XX/XX/XXXX I have been having trouble accessing my funds. There is a banner saying my account has been restricted and that theyll notify me by XX/XX/XXXX of the results. Then it changed to XX/XX/XXXX. They can not give me an answer as to why my account is restricted. I have almost XXXX in my account and I need that money asap
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed a cfpb complaint against Experian for refusing to remove the XXXX late payment that was reporting on my credit report. On XX/XX/2020 while checking my Experian credit report I noticed that Experian completely removed the XXXX account " instead of just removing the late payment ''. I reached out to experian asking them to please place the XXXX account back onto my report which they refused to do, saying that I would have to contact XXXX. when I contacted XXXX they informed me that they did not remove the information.
Product: Credit reporting or other personal consumer reports

I sent a letter to Transworld system inc ( TSI ) via certified mail on XX/XX/year> to verify this account belongs to me and proof with a contract along with my signature. I have yet to receive a response. They are reporting this negatively on my credit report and haven't started an investigation.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Complaint Regarding Incorrect Collection on My Credit Report Dear CFPB, I am writing to formally lodge a complaint regarding an erroneous collection item that has been reported on my credit report and the refusal of the collection agency to delete it despite my repeated disputes. 

On [ XX/XX/XXXX ], I noticed a collection account listed on my credit report from [ Hunter Warfield ]. This account is not mine and appears to have been reported in error. To resolve this issue, I have taken the following steps : 1.I contacted [ Hunter Warfield ] on multiple occasions to dispute the account, explaining that the debt does not belong to me and requesting its removal. I provided all necessary identification and supporting documentation to prove that this account is not mine. 

2.Dispute with Credit Reporting Agencies . On [ XX/XX/XXXX ] I filed disputes with XXXX to investigate and remove the incorrect collection. Despite my efforts, the collection remains on my report, negatively affecting my credit score and financial standing.

3.I have made several follow-up attempts with both the collection agency and credit reporting agencies, but the erroneous account has not been removed. Each time, I have reiterated that this debt is not mine and requested its deletion.

The continued presence of this incorrect collection account on my credit report is causing significant financial harm, including higher interest rates and denial of credit applications. I have provided ample evidence that this debt does not belong to me, yet the collection agency has failed to act responsibly in correcting their mistake.

I am requesting that the CFPB investigate this matter and take appropriate action to ensure the removal of this erroneous collection from my credit report. The collection agencys refusal to correct this mistake is a violation of the Fair Credit Reporting Act ( FCRA ) and has caused undue stress and financial hardship.

Attached to this letter are copies of all relevant correspondence, including dispute letters, responses from the collection agency and credit bureaus, and any supporting documentation proving my identity and lack of responsibility for this debt.

Thank you for your attention to this urgent matter. I look forward to a prompt resolution and the correction of my credit report. 

Sincerely, XXXX XXXX - Copy of Dispute Letters to Collection Agency - Responses from Collection Agency - Copy of Dispute Letters to Credit Reporting Agencies- Responses from Credit Reporting Agencies- Proof of Identity - Any Additional Supporting Documentation
Product: Credit reporting or other personal consumer reports

Please remove this fraud inquiries off my credit report.
Product: Credit reporting or other personal consumer reports

Was trying to buy a car and realize that I had damages on my credit report according to the 15 USC 1681 law there should not be any damages on my report. Is a defamation to my character
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third time asking for an investigation of a bankruptcy ( XXXX ... ) reporting on my credit report. I asked in each of the three letters who verified this information. All three credit companies XXXX, Equifax, and XXXX have said that the data furnisher is The United States Bankruptcy Court. I called the courts to verify this and they stated that they dont even report to the credit bureaus or third parties. XXXX  and XXXX  even went as far as saying that they will not re-investigate this matter after blatantly lying about their re-investgation. Also XXXX, XXXX and Equifax state that they use XXXX to verify information. I have an attached letter from XXXX first showing that it is frozen and secondly that the bankruptcy was deleted out of there because it was incorrect, unverified and shouldn't have been in that report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to retrieve my free annual credit report from all three credit bureaus, but the website is not allowing to access or even submit the information online to access my report. I need to be able to obtain my credit reports as soon as possible.
Product: Debt collection

The debt collection company is COLUMBIA DEBT RECOVERY LLC DBA GENESIS. The alleged debt owed amount is XXXX. 

On XX/XX/year>, the collection company served the initial notice. 

On XX/XX/year>, I submitted a formal demand to the debt collector that all collection activity must be ceased immediately and requested proof of debt. 

On XX/XX/year>, the collection company sent over the debt validation, i.e. the summary of the move out charges but it fails to establish or validate the debt because the address on the summary of move out charges is not the unit I rented per the lease and it does not provide itemized invoices to substantiate the debt. I in turn informed and advised the collection company that the validation of debt it sent over failed to validate the debt. 

On XX/XX/year>, the collection company sent over further documents to validate the debt, i.e. the two invoices. However, the charges on the invoices do not match any charges on the summary of the move out charges that the debt collector sent over previously. 

On XX/XX/year>, I informed the collection company that it still failed to validate the debt. But the company collection has already reported this debt to the credit reporting company before it can validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you to request the deletion and removal of the accounts and associated information from my consumer report. The accounts and information mentioned below should not be included in my consumer report as it violates the FDCPA and FCRA regulations. It is imperative that you promptly delete and remove these accounts and information from my consumer report, as their inclusion violates multiple laws. Please take immediate action to remove these accounts and information.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on my credit report. My report was apart of a data breach from this company and I didnt consent to any inquiries on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my Equifax report. The credit repot show inquires that I dont recall authorizing. I understand that you shouldnt be allowed to put inquiries on my file unless I have authorized it.

The FCRA states that the only permissible purpose for pulling credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry fromXX/XX/XXXX XXXX XXXX  Inquiry fromXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX