23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from Credit Managementt L.P. of XXXX, XXXX requesting payment of {$56.00} on behalf of XXXX XXXX. I replied to them with the information that I have never lived in XXXX or anywhere in XXXX, that no family member or anyone for whom I might have fiscal responsibility has ever lived in XXXX and that I have never had an account with XXXX XXXX. 
I requested that they provide verification of the debt - in particular the account information from XXXX showing when the account was opened, by whom, and the date the debt was created. 
Their sole response was that they had talked to XXXX and verified the debt. This seems extremely insufficient to me and I am not inclined to pay a bill just because someone says-so. 
I am surprised that they have such a business model, where they expect to extract monies from consumers simply by sending letters demanding money. I would also be surprised if that kind of demand was even legal - I would expect that they would be legally required to provide some proof of the debt beyond what they have provided, which is no proof at all. It is not my burden to prove that I do not owe a debt, it is theirs to prove that I do. 
I have responded to them indicating that I will not pay anything until concrete proof that the debt is mine is provided to me, and I will further register a complaint with the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent equifax a letter in XXXX. its now XXXX and have not gotten a response. i need someone to read my letter. my credit is at stake.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX in regards to an account listed on my credit report requesting validation that this debt is in fact mine as I am a victim of identity theft and don't recognize the debt nor did I do business with the company. The company is R.S. CLARK AND ASSOCIATES with no account number and a balance of {$260.00}. XXXX claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to XXXX seeking proof of this debt : XXXX XX/XX/, XX/XX/, XX/XX/, XXXXXXXX  and XX/XX/. XXXX continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

During the time frame of XXXX and XXXX there was 2 credit cards opened ( ending XXXX and XXXX ) with XXXX XXXX without my authorization. 
There was 3 credit card accounts opened without authorization from Navy Federal. 

When I moved back in my primary residence, this is when I found out about the accounts by letters that was being sent. I disputed the information with the credit bureaus and sent along a police report. I did received another letter stating no fraud was found and basically that was it.
Product: Credit reporting

I have XXXX credit card that I use, it is a XXXX XXXX XXXX cash rewards credit card. There are XXXX or XXXX other cards that I do not own on that credit report for credit karma, and it is making my credit score look poor and that is not good. I need these other cards that do n't belong to me off of my credit score.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Moneygram closed my account due to their risk model, but refused to provide an explanation as to why my account was flagged as high risk.
Product: Credit reporting or other personal consumer reports

I paid off my account and was later charged interest on the account when i contacted them the late charges and interest were removed and i was even sent a refund check but they refuse to remove the XXXX months delinquent marks on my credit report that says i was delinquent in XXXX or XXXX  and XXXX of XXXX  i have disputed it several times with transunion and they keep coming back as accurate and i contacted commity bank and they said there was nothing they could do Sincerly XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I wrote to you requesting an investigation into items that I considered were fraudulent, erroneous, or improperly reported. To date, the only response I have received is a computer-generated letter claiming that you have discontinued review of my credit reports because you believe I employed a third-party credit repair firm. Not only do I believe this is a stall tactic on your behalf to allow you an extra XXXX  days to comply with my original request, but I also believe it is a clear violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX,XX/XX/XXXX several times have disputed this item. This account is over 7years old. Each time disputed it just has been updated with same info {$7000.00} XXXX
Product: Debt collection

On XX/XX/scrub>XXXX XXXX XXXX I sent XXXX, XXXX XXXX XXXX multiple letter challenging accounts has been added several times affecting my credit and score. All sent to correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX to all three bureau but they either never response or deleted partial inaccurate, incomplete, or unverifiable information. This is improper investigation of credit reporting errors.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Inquiries : XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX XXXX XX/XX/year> : XXXX XXXX XX/XX/year> : XXXX XXXX XXXXXX/XX/year> : XXXX XXXX XXXX XX/XX/year> :
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the 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 you 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. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report I noticed 17 suspicious inquiries. This is a violation of the FCRA section 1681b ( c ) which constitutes as fraudulent activity and also breach of my privacy rights. Please provide A COPY of when I sent a written permissible purpose for every inquiry. This is needed in order to validate the inquiries. I did not authorize anyone employees by these companies to make any inquiry and view my credit report. Finally I demand an audit trail and production of my signature authorizing the inquiry. If you are unable to provide me this info in 3-7 business days, I demand you DELETE THESE DEROGATORY and Fraudulent inquiries from my consumer report in which I gave you no wet ink written consent to furnish!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX  continues to report inaccurate information on my credit report. I faxed them the information several times to have items corrected and have done nothing. I currently have  XXXX  accounts reporting without an account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached the two letters I received from XXXX  in reference to the two accounts they have requested be removed.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, balance owed is reported but it is showing as a closed account, and date reported is not accurate. Some account don't even show a closed date!! This is grounds for removal, they also violated my rights under 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 an account without my written instructions.

Also the credit bureau took more then 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX- XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX  XXXX. 
XXXX XXXX XXXX Inquiry  from XX/XX/2020 XXXX XXXX XXXX/XXXX  Inquiry from XX/XX/2020 inquires are not mine or unauthorize
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccurate bankruptcy entry on my credit report. I have contacted the bankruptcy court, and they provided me with a letter confirming that no such bankruptcy has been reported for me. This incorrect information on my credit report is not only unverified but also illegal. I urge you to immediately investigate this matter and correct my credit report to reflect accurate information. 

It is deeply concerning that TransUnion is reporting inaccurate information that could significantly impact my creditworthiness. I must emphasize that this erroneous reporting is not only misleading but also potentially damaging to my financial standing. I urge you to rectify this error immediately under the Fair Credit Reporting Act ( FCRA ). 

I kindly request that you investigate this matter promptly and remove the inaccurate bankruptcy entry from my credit report. I expect a swift resolution and confirmation of the correction.
Product: Debt collection

American Express Company opened up my Accounts in a Fiduciary Relationship acting as me. The bank is not in the same state as me. This is both Fraud against my person and Tax Fraud.
Product: Debt collection

Sent two letters asking for verification of two debts listed on my credit report. No response was recieved from either letter
Product: Credit reporting, credit repair services, or other personal consumer reports

Sir or Madam : I have been attempting to correct erroneous credit reporting over the past two+ years. 

Many items on the report are simply wrong. 

I have family members with the same and similar names. I believe that this may be part of the issue. 

The dispute process has been employed multiple times over the past two+ years. 

XXXX XXXX, Equifax & XXXX ( a.k.a. the CRA 's ) have failed to correct or remove disputed items in accordance with the FCRA. 

Regarding the CRA 's obligations pursuant to 'ReInvestigation ', this is where the problem lies. 

After the initial disputes are filed, I get barraged with electronic, canned responses that are the same each time. These equate to nothing more than electronically-generated FORM LETTER RESPONSES. 

I have repeatedly asked the CRA 's to have a HUMAN BEING REVIEW SIMPLE ITEMS TO CORRECT OR DELETE, HOWEVER, THE CRA 's HAVE NEVER, TO DATE, HAD A PERSON PROCESS MY REINVESTIGATIONS ( which I understand violates the FCRA 's requirement for ReInvestigations ). Please EDUCATE ME ON THE FCRA HUMAN REQUIREMENT ( s ), if HUMANS ARE REQUIRED TO DO THE WORK. 

This has created an enormous stress and burden on my family and I. 

We are in the middle of a mortgage application to honor the lender 's requirement that we pay the entire mortgage off ( through rate/term refinancing ) on or prior to XXXX XX/XX/XXXX. 

As a result of the failure of the CRA 's, we have been denied credit from XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX even though the our credit is stellar/eligible outside of these errors and misreporting. 

We were offered a discounted payoff of our mortgage if we paid it off by XXXX of XXXX, however, we were unable to do so as a result of the CRA 's failure ( s ). 

All told, this problem is damaging us significantly. The total damages exceed {$200000.00} as of the present date ( XXXX XX/XX/XXXX ). 

We are in jeopardy of losing our home if we do not perform and honor our current mortgage contract by paying it off by XX/XX/XXXX. 

We do not have the means to file an FCRA lawsuit, so, please help us! 

On behalf of my wife, XXXX, & children, we thank you in advance for any and all assistance the CFPB can assist us with having the CRA 's simply correct incorrect and/or erroneous credit reporting. 

Sincerely, XXXX XXXX. 
XXXX XXXX, MI
Product: Credit reporting or other personal consumer reports

I previously submitted a complaint against this company with the XXXX XXXX XXXX and was assured that the necessary corrections would be made to my credit report by the company in response to the complaint. However, the company has gaslit me and ignored further requests after the request to annotate the matter as resolved was completed. This is extremely deceiving and has been time consuming on my end because I'm still fighting for this company to correct these issues and correct the incorrect information that was reported to my credit report that was caused at no blame to myself but the companies XXXX for customer service, making a payment and their third-party business partners. I have attached previous correspondence stating that correction to my credit report would be made and this matter considered resolved and it is still not. I just would like them to correct this issue and some kind of oversight to ensure that the promises made are upheld not just for me to close my complaint and consider it resolved. Please help me. I am a XXXX XXXX XXXX XXXXXXXX, and it is just so disheartening and really exacerbating my symptoms as I continue to be taken advantage of and lied to. I am a XXXX  mother doing all I can and businesses like XXXX  should be fined for the treatment of all the consumers listed on their complaint page, especially those who have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so they are able to conduct business safely. Taking advantage is not okay and I should not have to submit another complaint because the other one was not completed. I just need someone, anyone, to help me with this company. Please. 


The loans in question are from XX/XX/scrub>XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have 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 XXXXXXXX : # XXXX, XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX : # 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 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 in accurate.
Product: Credit card or prepaid card

I registered for my Chase card XX/XX/XXXX. The promotion I signed up for was to spend {$2000.00} and earn XXXX reward points. I contacted Chase in XX/XX/XXXX prior to my 3 months period ending to confirm I have met the requirements and the Chase representative assured me I met the requirements and do not need to spend any additional dollar amounts. 

I tried to create my Chase XXXX rewards login but I was having trouble being that the points did not show in my account. I contacted XXXX regarding the points starting XX/XX/XXXX they assured me they will reach out to Chase and follow back up with me. A week later, I get an email from XXXX stating Chase denied my request and the offer is to spend {$3000.00} for XXXX points. I sent a screen shot of the promotion I signed up for and a few days later they responded saying they can not assist me. 

I contacted Chase multiple times and they assured me they will work on it and follow up with me. A week passed and I did not hear back from anyone. On XX/XX/XXXX I called Chase again and the representative said she would place an encounter for me to escalate my case and to follow up the following Monday. On XXXX I called back and another Chase representative said there are no notes on the account or escalations. I explained I am planning my wedding and would like to use the points soon and if possible to mark it as urgent. She told me she can't and to follow up on Friday XX/XX/XXXX. I called today and I spoke with XXXX, supervisor at Chase and he told me the request is denied and there is nothing he can do. I explained to him the offer I originally signed up for was to spend {$2000.00} for XXXX points in return which I met and was assured by a Chase representative. I told him I have a picture of the promotion and I can send it to him and he insisted Chase will not honor it. 

XXXX went on to say he can not help me however, if I can give him the EXACT date I called Chase ( over 4 months ago ) he can place a request to listen to the call. Of course, I couldn't pin point the exact date and XXXX went on to say there is nothing he can do for me. I have been a loyal Chase customer for over 6 years.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file, the items I need deleted are listed in this report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. These remarks have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had been paying since XXXX of 2021 as part of a court ordered repayment plan. This has not been showing " payed as agreed '' on my credit reports. On my XXXX report it has been showing " no data ''. I have attached proof of the trustee payment report to the court as well as the Court order. The companies name is XXXX XXXX XXXX and XXXX, Experian and XXXX are the reporting agencies. 
XXXX XXXX , XXXX . 
XXXX XXXX  XXXX XXXX XXXX  XXXX, WI XXXX ( XXXX ) XXXX
Product: Debt collection

Unauthorized Inquiry Dispute Dear Sir/Madam, I am writing to dispute unauthorized inquiries listed on my credit report. Upon reviewing my credit report, I have identified several inquiries that I did not authorize. The details of these unauthorized inquiries are as follows : 1. Inquiry by Jefferson Capital System on XX/XX/year> I am concerned about the potential impact these unauthorized inquiries may have on my credit score and overall creditworthiness. Therefore, I kindly request that you investigate these inquiries and provide proof of authorization. If you can not provide documentation that verifies my authorization for these inquiries, I ask that they be removed from my credit report immediately. 

Thank you for your prompt attention to this issue. I look forward to your response.
Product: Credit card or prepaid card

XXXX {$14000.00} I had a credit card with American Express, however due to nonpayment American Express closed on account with a balance on it. However, for over a year now I have been trying to make a payment and i have been unable to due to the fact that every time I call American Express, they tell me that the account is no longer with them. I was provided a lawyer firm contact information, however, when i reached out to that law firm I was advise they no longer had the account and that I needed to contact American Express again. But yet every month a late payment is reported on my credit report by American Express
Product: Money transfer, virtual currency, or money service

I sent XXXX USD to purchase online tickets to a woman selling on a XXXX  page who immediately deleted all of her accounts. Her paypal is XXXX.
Product: Credit reporting or other personal consumer reports

This auto loan from XXXX , XXXX ( asset back security ) reported to my credit profile under the account of XXXX XXXX XXXX is providing negative, adverse, and fraudulent claims leading to delinquency. I have no knowledge of this contract disclosures and agreement to report such information. As a result of my investigation into securities fraud committed by the company, the company chose not to comply with my rights to the matter and deny me documents requested. 


The company reported the account as " charged off '' or " written off '', but in response ( out of non-compliance ) that the debt is not discharged.

Violation of ( 1 ) Sections 702 ( g ) and 706 ( a ) and ( b ) of the FCRA