23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midwest recovery systems placed a collection on my credit for the amount of XXXX that i do not owe.I have never heard of this co.I was not notified by mail or phone only to be contacted by a credit bureau telling me i have a negative mark on my credit.I do not owe this company and i have never done business with this company.Now my credit has been damaged because of XXXX. PS if i owe this show me something with my signature on it i can guarantee you ca n't. This was placed twice on my credit i wont this fixed and my credit restored.It was placed on XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent all three credit bureaus police reports all of my identification for items that are listed on my credit that are erroneous. They keep asking for stuff like the email showing that the police report was indeed approved Im on other frivolous things that I have nothing to do with getting these items off of my credit I have A new police report in three days ago that they shouldve received by now and I do not want a reinvestigation already said the police report in in these items were to be removed immediately and its been over 90 days I just want the items listed on the police report that I have attached removed from my credit from XXXX   XXXX XXXX and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681. XXXX, XXXX, and Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give XXXX, XXXX, and Equifax written permission to furnish these accounts. 











XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX, Location XXXX XXXX XXXX XXXX XXXX, UT XXXX Inquiry Type Individual Requested On XX/XX/XXXX, XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inquiry Type Individual Requested On XX/XX/XXXX, XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX LA XXXX Inquiry Type Individual Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, TX XXXX Inquiry Type Individual Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Inquiry Type Individual Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry Type Individual Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Inquiry Type Individual Requested On XX/XX/XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX XXXX XXXX ( XXXX XXXX XXXX ) Requested by : XXXX XXXX XXXX XXXX XXXX Inquiries in the Last 3 Months : Requested on : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Requested On Phone XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX ) XXXX ) Requested by : XXXX XXXX Checking Account Closures in the Last Month : Requested on : XX/XX/XXXX, XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry Type Individual Requested XXXX XX/XX/XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, OH XXXX Inquiry Type Individual Requested On XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, TN XXXX Inquiry Type Individual Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Inquiry Type Individual Requested On XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX - XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/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: Credit card or prepaid card

In XX/XX/2022, I made a balance transfer. I requested that Citibank send funds to XXXX aka XXXX XXXX XXXX has since changed to XXXX ). The amount of the transfer was {$4100.00}. According to Citibank, the funds were sent to XXXX on XX/XX/2022, but have not been applied to my account. I have spent countless hours on the phone with both Citibank and XXXX trying to find a solution, but I am still making payments on both accounts. After filing a complaint against XXXX, a representative from their corporate office has reached out and asked for more information from Citibank. Citibank sent a letter giving a XXXX digit trace number for the funds, but the appropriate trace number needed would have XXXX digits. On XXXX different occasions I have asked Citibank for the account and routing numbers used when the funds were transferred ( this would help XXXX find the missing funds ), but neither Citibank supervisor would provide this this information. Another solution XXXX suggested was for XXXX to pull back those funds into their account. Neither supervisor at Citibank knew anything about this. I am a XXXX individual with a fixed income, so needless to say making two payments is really putting extra stress on my finances.
Product: Credit reporting, credit repair services, 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. 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, credit repair services, or other personal consumer reports

I didn't authorize or give any permission to these company pulling my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have forwarded and opened a compliant regarding XXXX XXXX with the credit bureaus. Here is my statement. 

I have no financial relationship or obligation with XXXX XXXX. The fact that they have submitted this information to my credit report is in violation of the following. Under the Fair Debt Collection Practices Act. 15 USC 1692c 805. Communication in connection with debt collection ( a ) Communication with the consumer generally 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 -- I did not provide any written authorization for XXXX XXXX to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint against, XXXX XXXX XXXX, for re-reaging a debt, through false reporting of information to Credit Reporting Agencies.. According to Experian 's information contained in my credit report as of XX/XX/XXXX : XXXX XXXX XXXX reports on Experian : Account opened in XX/XX/XXXX. Balance : XXXX Balance Updated : XX/XX/XXXX ( It should be noted, no payment has ever been made on this debt, after XX/XX/XXXX XXXX This was an account XXXX XXXX XXXX purchased from XXXX. The original account was written off. Below are the basic details of the original account as reported by Experian. Original Credit card account details : Creditor : XXXX. Account XXXX : XX/XX/XXXX. Balance : XXXX Last Payment made : XX/XX/XXXX Current Status : Written off/Closed. This information confirms that XXXX XXXX XXXX, purchased a debt from XXXX, which had been established as Charged off. XXXX XXXX XXXX then re-aged this debt, by reporting to the Credit Reporting Agencies during XX/XX/XXXX, that this debt was opened on XXXX. This is beyond the 6 month period between the last payment made and the account being charged off ; Furthermore, according to the original debt holder, XXXX 's own reporting shows this account was not written off and closed until XXXX, after the date XXXX XXXX XXXX XXXX the debt began. This will cause the debt to remain on my credit report beyond 7 and a half years, possibly longer as XXXX XXXX XXXX seems to continue to report updates to the balance and has already increased the original balance of the debt from XXXX as reported by XXXX, to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT FILE AND FOUND AN INACCURATE ACCOUNT AND ITEMS IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. THE ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF THEM. I AM ASKING THAT YOU PLEASE REVIEW AND REMOVE THE ACCOUNT AND INQUIRIES OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX   XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

there's a debt on my credit report of {$2600.00} from JEFFERSON CAPITAL SYSTEMS opened on XX/XX/2021 that is not mine. I have contacted JEFFERSON CAPITAL SYSTEMS many times to get this debt removed due to it being not my debt. I feel this is a fraudulent debt. JEFFERSON CAPITAL SYSTEMS did not contact me or gave me any validation letters about this debt. This debt is not mine and they will not let me dispute this with them. Due to this being fraud I want this removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN I XXXX XXXX FEEL LIKE THE CREDIT BUREAS XXXX, XXXX AND EQUIFAX ARE IN VIOLATION OF FCRA SECTIONS 623,609, AND 611 BECAUSE THEY HAVE NOT GIVEN ME PROOF OF THEIR INVESTIGATION OF THESE UNAUTHORIZED ACCOUNTS THAT ARE IN MY NAME AND THE ACCOUNTS ARE XXXX XXXX  # XXXX OPENED XX/XX/XXXX FOR {$250.00} XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX {$400.00} XXXX  # XXXX OPENED XX/XX/XXXX AMOUNT INWHICH I DONT HAVE A CLUE THESE ACCOUNTS ARE ALL FRAUDULENT
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are inaccurate and they are in violation of my rights according to the FCRA XXXX XXXX XXXX XXXX These credit bureaus XXXX EXPERIAN XXXX have failed to verify these accounts after disputing this issue with them directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and notice there were fraudulent accounts that does no belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX, XXXX.XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFCB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFCBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Debt collection

I have previously sent notice requesting additional information on this debt, to date I have not received anything from Troy Capital, but it remains as verified with the credit bureaus. I am requesting this debt be removed from my credit file with all bureaus since I was not properly given notice of this debt or the opportunity to validate or dispute this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since my identity has been compromised, it has strongly effected my true credit report and reflects unauthorized and unknown accounts to me, I'm demanding that these accounts be removed immediately from my credit report. The following accounts are, XXXX XXXX   XXXX {$440.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$1500.00}, XXXX XXXX {$640.00}, XXXX XXXX {$210.00}, XXXX   XXXX XXXX {$150.00}, In accordance to the laws of the FCRA if you can not show true and physical documentation of the original document of these accounts then these accounts shall be removed immediately.
Product: Credit card or prepaid card

On XXXX XXXX I applied for an extension of credit. A few days later I received a letter saying I was denied. I sent a letter requesting further information about the decision to the address provided on the denial letter and it was returned to me, unopened saying the address was incorrect.

Pursuant to 15 USC 1602 ( f ) credit is my right. Under the Truth In Lending Act 15 USC 1602 ( g ) defines the creditor as someone who regularly extends credit in connection with consumer credit transactions. This private consumer transaction that I did not volunteer to have furnished on my consumer report was unfavorable to me and is defined as adverse action pursuant to 15 USC 1681 ( k ) ( II ). I initiated this transaction using my credit card as defined by 15 USC1602 ( l ). Once I provided them my credit card number they completed a transaction from which I received no benefit. The proof of this unauthorized use of my credit as defined by 15 USC 1602 ( p ) is on the inquiry that is now on my consumer report.

American Express has therefore discriminated against me pursuant to 15 USC 1691 ( a ) because I completed this application in good faith and they refused my right to credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Request to Remove Charge-Off Under the Fair Credit Reporting Act and Section 605B Dear Experian/Transunion/Equifax, I am writing to formally request the removal of an inaccurate charge-off from my credit report. This charge-off, reported by XXXXXXXX XXXX is either inaccurate or fraudulent. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to Section 605B ( 15 U.S. Code 1681c-2 ), to have this information blocked or removed. Specifically, the reporting appears to violate provisions under 15 U.S. Code 1681a ( 2 ) ( A ) ( 1 ), 1666b, and 1637 ( b ). As a result, the information reported to the credit bureau is invalid, and there is no legitimate basis for it to remain on my credit report. 

The specific details of the disputed account are as follows : Creditor/Account Name : XXXX XXXX Account Number : XXXX Date of Reported Charge-Off : XX/XX/XXXX TO XX/XX/XXXX This account was added to my credit report without proper verification or as a result of identity theft. Under Section 605B of the FCRA, consumers have the right to request the blocking of any fraudulent information from their credit report. As required by Section 605B, I request that you block or remove the charge-off account from my credit report within four ( 4 ) business days of receiving this letter and the supporting documentation. If this account can not be verified as accurate and legitimate, it must be deleted from my file in accordance with 15 U.S. Code 1681i ( Dispute Resolution ) and other relevant FCRA provisions.

Failure to comply with this request may result in further legal action to enforce my rights under the FCRA. Please confirm the removal of this charge-off and send me an updated copy of my credit report once the corrections have been made. 
If you need any additional information, do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed disputes with the Credit Reporting Agencies regarding the only collection on my consumer report account XXXX XXXX original creditor is XXXX XXXX I requested the collection be investigated because the information is being reported grossly different. XXXX reports that I've never made a payment on time while XXXX reports I've never missed one payment, and TransUnion does not report at all. Under the FCRA all information on my consumer report is suppose to be 100 % accurate, complete and verifiable. So what I don't understand is how a thorough investigation was done when you can clearly see the inaccuracies on my consumer report. I am requesting that the account be deleted due to the inaccuracies. The burden of proof is on them not on me. 

Account XXXX XXXX original creditor XXXX XXXX Please delete account.
Product: Debt collection

On my credit I have a collection from XXXX from a collection company. Ive never had a XXXX account. Convergent outsourcing Incorporation I did a dispute 6 months ago and I have not gotten responses at all. I know I was a victim of XXXX credit breach and I have personally been keeping an eye on my credit. That collection is not supposed to be in my profile.
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.

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX  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 XXXX  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, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. My credit report includes the following erroneous information that needs to be investigated and delete : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2007 Balance : {$0.00}