23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom this may concern, Hi I am seeking assistant regarding a collection agency by the name of ProCollect located in XXXX, Texas. This agency has placed a collection account on my credit report for an account that was paid years ago & they refuse to remove it despite the documentation proving it was paid. 
Because the account was paid years ago it should have never been placed on my credit report in XXXX. This has caused my credit score to drop significantly & I have been unable to apply for a home for my children & I for 7 months. 
I have contacted the Credit Agency XXXX & also the XXXX XXXX XXXX, unfortunately these agencies do not protect consumers & allow this predatory collection agency to take advantage of innocent individuals. 
This company ProCollect has over two-hundred and forty complaints on XXXX XXXX XXXX Website and all consumer complaints are consistent with the same complaint that this company is trying to collect a debt that is not owed. 
I am seeking assistant to take this company down & hold them responsible for every fraudulent account they have sent to the credit bureaus & trying to collect money for unlawfully. 
All consumers & attorneys are welcome to contact me in regards to this matter. 
Please provide assistant immediately to hold ProCollect responsible. 
The account for XXXX XXXX XXXX was paid in XXXX, ProCollect placed the collection account on my credit report in XXXX. From XX/XX/XXXX to today XX/XX/XXXX I have been contacting ProCollect to remove the fraudulent debt they recreated. 
I have submitted documentation of the account paid in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

*** Dear to whom it may concern, My name is XXXX XXXX XXXX . I am requesting investigation on these inaccurate account within 30 days according to Fair Crediting Reporting Act. 
**Name ReportedXXXX XXXX XXXX  XXXX 02 XXXX, XXXX, XXXX My correct name is XXXX XXXX XXXX . These name above are incorrect so please delete those as I have attached proofs of my identity below. 
**EMPLOYMENT INFO XXXX1099 EMPLOYEE XXXX XXXX  XXXX  XXXX These employment information are not belong to me or our business. 
**Credit Cards** XXXX XXXX Reported : XXXX. XXXX, XXXX I do not have any obligation with THEM ; please delete this reference on all my credit report. 
**Credit Cards** XXXX  XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be {$16000.00} and {$1600.00}. Provide me full information about this account or you must delete it!!! 
**Credit Card** XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be XXXX $ monthly payment on a closed account. Delete it immediately!!! 
XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be XXXX XXXX monthly payment on a closed account. Delete it!!! 
VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report **Hard Inquiries** XXXX XXXX XXXX   Inquiry : XXXX. XXXX, XXXX Miscellaneous ( XXXX ) XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX BANK XXXX : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _Bank ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _Travel/Entertainment ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2  REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _Miscellaneous ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX This inquiry is unauthorized, The date furnisher has violated Metro2 Reporting Compliance by not reporting dispute status. 
_Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This inquiry is unauthorized, The date furnisher has violated Metro2  Reporting Compliance by not reporting dispute status. 
_Finance/Personal ( XXXX ) XXXX XXXX  Inquiry : XXXX XXXX, XXXX This inquiry is unauthorized, The date furnisher has violated Metro2   Reporting Compliance by not reporting dispute status. 
_***Finance/Personal ( XXXX ) XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2  REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION
Product: Credit reporting or other personal consumer reports

I've called XXXX XXXX XXXX XXXX XXXX numerous times on behalf of myself and my husband. We have a credit card with this bank that had a high balance which was paid completely off on XX/XX/XXXX. They've agreed to update my husband 's credit report to reflect the XXXX balance, but they've not updated my credit report to reflect this account has been paid in full. I've spoken to them as recently as XX/XX/XXXX and was assured by an employee named XXXX that she would handle the situation for me. 

I've checked my husband 's credit file this morning and his is stating correct info. My credit report is still showing a high balance owed to this company.
Product: Credit card or prepaid card

i had XXXX reward credit card from chase. a month ago chase offer me a upgradede link to upgrade to new XXXX plus credit card.before i upgrade my XXXX card i read the term said chase going to credit me XXXX dollar to my account but today i call chase told they only credit XXXX from XXXX fee from old card that i didnt use and they going to charge me XXXX soon .so i am paying XXXX and XXXX XXXX for my card old card fee is XXXX new card fee is XXXX even the difference is XXXX dollars i feel chase is actully charge 2 time the fee. i feel chase doing something totally different from what i read before upgrade.i feel so disappointed for that i hope can check the link i used for upgrade
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX/XXXX/1025 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX DC XXXX Dear, CFPB Subject : Request for Correction of Credit Score Due to Inaccurate Reporting I am writing to formally express my concern regarding an error in my credit report that has adversely affected my credit score. I have always maintained a perfect payment history on my credit card account with XXXX. However, I was dismayed to discover that my credit score has recently dropped, despite my consistent and timely payments. 

On XX/XX/scrub>, 2025, I noticed a significant decrease of XXXX points in my credit score, which I believe is directly related to the inaccurate reporting of my account status. This drop is particularly troubling given that I have never missed a payment on this account and have always adhered to the agreed-upon terms. It is disheartening that my score has dropped due to a positive payment history account.

This situation has severely impacted my ability to secure a rental property, as I am currently facing challenges in obtaining a place to rent at the end of XX/XX/scrub> 2025. The negative change in my credit score has made it difficult for me to present myself as a qualified tenant, which is causing undue stress and hardship. 

I have already contacted the Consumer Financial Protection Bureau ( CFPB ) regarding this matter, and I kindly request that Experian conduct a thorough review to rectify this error. It is essential for my credit report to accurately reflect my payment history and account status, as this directly affects my financial well-being and housing situation. 

Please let me know the steps you will take to resolve this issue and restore my credit score to its rightful status. I appreciate your prompt attention to this matter and look forward to your timely response. 

Thank you for your cooperation. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries that have appeared on my credit profile recently. Upon reviewing my credit report, I have identified the following inquiries that I did not initiate or authorize : 1. Inquiry from XXXX on XX/XX/2023. 
2. Inquiry from XXXX XXXX XXXX on XX/XX/2023. 
3. Inquiry from XXXXXXXX XXXX XXXX  XXXX XXXX on XX/XX/2023. 
4. Inquiry from XXXX XXXXXXXX on XX/XX/2023. 
5. Inquiry from XXXX XXXX XXXX on XX/XX/2023. 
6. Inquiry from XXXX XXXX on XX/XX/2023. 
7. Inquiry from XXXX XXXXXXXX XXXX XXXX on XX/XX/2023. 
8. Inquiry from XXXX XXXX on XX/XX/2023. 
9. Inquiry from XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/2023. 

As per the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate and reliable information on my credit profile. Therefore, I kindly request that Equifax promptly investigates these inquiries and provides me with a detailed explanation regarding their legitimacy. Should these inquiries be found to be unauthorized, I request their immediate removal from my credit report. 

Furthermore, in accordance with the FCRA, I would appreciate receiving a free copy of my updated credit report once the investigation is completed. 

I understand that under the FCRA, you are required to complete your investigation within 30 days of receiving my dispute letter. I anticipate receiving a written response from Equifax regarding the investigation 's findings within this timeframe. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the removal of these unauthorized inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fiar Credit Reporting act. The list of accounts below have violated my federally protected consujmer rights to privacy and confidentiality under 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 XXXX XXXX XXXX section XXXX A. XXXX 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: Checking or savings account

A few days ago, my account lost {$2000.00}, which is my living expenses for several months. I checked my account immediately after I found it. At that time, this was a pending state. So I want to explain the situation to the bank as soon as possible and there is a fraudulent charge. I hope they cancel the transaction. But when I first called, when he heard that I needed to cancel something, customer service become very rude to me and told me that I needed to wait another 15 days. I made several phone calls, but Chase Bank didn't want to take action as soon as I heard that I lost my money, and put all the responsibilities on me. I consulted my lawyer and she told me that the bank should be responsible for the money because they have the right to protect consumers and cancel the payment. My lawyer clearly told me that most banks should reimburse me if there have a authorised push payment by scam or fraudulent transaction. I remember answering a phone call before I lost my money. The scam lied that he was an employee of Chase Bank and said that he would freeze my bank card because my card was stolen. As a result, I found that my card was less than {$2000.00} and transferred it to someone I didn't know. The people who really work in the bank are too rude. They do not want to reverse the transaction but actually they can. Even lied to me that they would investigate that person turns out saying " lack of evidence ''. I feel very unfair and sad. This is my hard work money. I believe in banks, so I invested and put my money in Chase Bank, but when something happens, they will treat consumers with such a high attitude. If the world is still fair, please give me back my 2000 dollars. 


Why do I continue to use it after being fraudulent charged? Because I can't trust any bank, and I have to live.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said account. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : AMEX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX : {$390.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$170.00} XXXX XXXX XXXX XXXX  Balance : {$550.00} XXXX XXXX XXXX XXXX  Balance : {$3800.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$550.00} XXXX XXXX XXXX XXXX Balance {$3800.00} XXXX XXXX XX/XX/year> According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

During the last decade, account was charged for not having a minimum amount. Account was finally adjusted to avoid charges. Account was also breached by unknown party using stolen identity. Account was adjusted and finally all accounts were closed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, was not made by XXXX XXXX. These inquiries were placed on the consumer report of XXXX XXXX by XXXX, XXXX, EXPERIAN fraudulently and by way of identity theft. It was a violation of 15 U.S. Code 1681c2 in the very least. XXXX XXXX never gave XXXX written consent as according to U.S.A. law, to furnish the inquiry information on the consumer report. No evidence of such written consent is in existence.
Product: Debt collection

I have spoken with multiple reps from XXXX XXXX who purchased my account from XXXX XXXX. I have received phone calls prior to XXXX and after XXXX. I have asked them not to contact me regarding this matter being that I have no contract with them. This month, after receiving numerous phone calls at all times of day and night from auto-dialer numbers, I was transferred to XXXX XXXX, who was not available. I proceeded to speak with a young woman referencing the account and explained to her that according to their policy, consumers that exhibit unforeseen financial or medical hardship can have collection actions ceased and the account removed. I also explained that I had a change in employment in XX/XX/XXXX-XX/XX/XXXX that caused financial hardship. As of this year, I have had several health complications and have had to take on the responsibility of caring for my aging parents : one with mental health issues. This coupled with my own medical issues, has created drastic financial strain.
Product: Credit reporting or other personal consumer reports

i have been trying to get my credit report with transunion and the have been blocking me. i do not have a current dispute with them
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I received emails from XXXX, XXXX and TransUnion advising that XXXX hard inquiry 's were made on XXXX. The inquiries were made by XXXX, XXXX XXXX and XXXX XXXX XXXX XXXXXXXX for credit. My credit score was immediately dropped. I contacted the credit reporting agencies by phone to let them know that I did not apply for credit from XXXX, XXXX XXXX or XXXX XXXX XXXXXXXX. I also disputed these inquiries with the agencies online. I explained that I already have credit cards with XXXX XXXX and XXXX and I have never heard of XXXX XXXX XXXX. I was told that I need to contact XXXX, XXXX XXXX and XXXX XXXX XXXXXXXX directly and let them know that I did not apply for credit from them. I spoke with representatives from all three companies and was advised that these accounts would be closed and reported to their fraud department and they would contact the three credit monitoring agencies to have the hard inquires removed.

I immediately put a freeze and a fraud alert on my XXXX, XXXX and Transunion accounts. 

It became clear to me that someone was trying to steal my identity because on XXXX I received a change of address verification from the U. S. Postal Service that was made on XXXX. Someone was trying to get my mail sent to them. I immediately contacted the USPS and let them know that I did not request an address change. I was contacted by the Post office on XXXX and provided with the address the mail was to be forwarded to. I then spoke with Detective XXXX XXXX and filed a police report on XXXX with XXXX Police Department in XXXX, TN providing them with all of the information I received from the Post Office on the person trying to steal my identity. This report can be obtained from XXXX XXXX Sheriff 's Department XXXX XXXX. XXXX. I also reported this to FTC Identity Theft. Enclosed is a copy of the report. 

All three credit monitoring agencies have removed the hard inquiries of XXXX and XXXXXXXX XXXX XXXXXXXX. However, the XXXX XXXX hard inquiry was removed only from XXXX and XXXX but has NOT been removed from TransUnion. I have disputed this with TransUnion several times and they continue to leave this hard inquiry on their report. 

I am requesting that Transunion remove this unauthorized Hard Inquiry by XXXX XXXX from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

1. XXXX XXXX : ACCOUNT # XXXX 2. XXXX XXXX : ACCOUNT # XXXX XXXX. 3. XXXX XXXX : ACCOUNT # XXXX ALL 3 4. XXXX XXXX XXXX : ACCOUNT # XXXX 5. XXXX XXXX : ACCOUNT # XXXX 6. XXXX XXXX : ACCOUNT # XXXX 7. XXXX : ACCOUNT # XXXX 8. XXXX XXXX XXXX : ACCOUNT # XXXX 9. XXXX : ACCOUNT NUMBER # XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX XXXX listed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.Accounts on credit reports are incorrect in balance and was not authorized to share. The following accounts are : XXXX XXXX  acct # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct XXXX XXXX.
Product: Mortgage

In XX/XX/2017, I contacted Quicken Loans regarding general information to refinance my home. It was not my intent, nor did I consent to having an application or credit inquiry submitted. I was simply wanting to obtain generic information on costs, and average interest rates. However the phone call resulted in an application, resulting in a credit inquiry, without clear consent from me, or even providing acknowledgment that they had done so. 
I was not made aware that Quicken had submitted an application/credit inquiry, until be notified by the financial institution I chose to do business with had alerted me. Although I have over an 800 credit score, this delayed the overall refinance process, and required additional documentation that otherwise would not have occurred had Quicken not done this.
Product: Credit reporting or other personal consumer reports

I paid my Home Equity Line of Credit to zero balance and the credit bureau reported the account as closed hurting my credit score. The account is still open, I uploaded a statement showing the account is still open, just at XXXX balance and they refuse to update the report. 

I've attached a statement showing the account open with XXXX available credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have two companies that trying to get the same money ... XXXX XXXX XXXX  the original credit reports charge off balance XXXX ... and still report account incorrectly ... .they sold account to XXXX XXXX XXXX XXXX XXXX .they are asking XXXX ... ..will upload proof two letters from both companies asking ... XXXX XXXX XXXX  should not be reporting anything it should show sold/transferred they are in violation.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 the loans ( 2 of them ) were paid in full. The online account reflects this as paid and customer service also confirms this. The full balance of the loans still appear on all 3 credit reports as of XX/XX/2021. The credit bureaus have confirmed the last time Lendingclub reported was XX/XX/2021. When I spoke with XXXX on XX/XX/2021 he confirmed they normally don't report the paid in full balance once paid off. I have to submit a request to have the company report the {$0.00} balance to the bureaus. I do believe federal law requires the loan company to report correctly once paid. They are refusing to do so. I now have close to XXXX sitting on my credit that I do not owe.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Number : XXXX XXXX : XX/XX/2018 Amount : {$1800.00}