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

in accordance with the Fair Credit Reporting act 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 ACCEPTANCE NOW XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX* XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX The inquiry occurred without my knowledge and these inquirys occurred without my approval. 
I sent letters to the Three Credit Bureaus on XX/XX/XXXX, XX/XX/XXXX. 
XX/XX/XXXX The Inquirys have not been removed and I have not recieved a responce.
Product: Debt collection

Forster & Garbus LLP representing XXXX XXXX XXXX XXXX violated NYS Banking Usury Laws by charging 25 % interest rate on an alleged debt. The authenticity of the contract along with other documentation provided to us is in question, especially when none of them shows the actual Bill of Sale or Assignment of the original lender on the contract " XXXX '' to XXXX XXXX XXXX ( XXXX ), XXXX with the account number XXXX. There is documentation showing the said account highest balance of {$7400.00} and on our credit report there is a judgment of almost {$17000.00}. We have requested an itemized description of all debits, credits, charges, including interest rates and attorney fees but we have not gotten any documentation showing how they arrived at the final sum or any paperwork with itemized deductions or credits, etc. from " XXXX. " More importantly, they have violated the FDCPA laws by1 ) Not ceasing all collecting activities upon request for verification of debt. 
2 ) Has failed to provide an explanation of debt3 ) XXXX XXXX, a customer service representative from Forster & Garbus LLP was extremely rude on the phone when asked to explain why collection activities were still going on and we have sent a validation letter4 ) The service provided or lack thereof, resulted in additional damages to our credit, personal income and health5 ) They never initially informed us that we had a right to dispute the debt6 ) unethical collection practices
Product: Credit reporting or other personal consumer reports

I have a charge off from XXXX XXXX XXXX on my credit report that is 5 years old. SOL in my state for auto loan is 4 years. I was sued by a debt collector and decided to settle and pay a lump sum for this to go away and continue to grow my credit. I reached out to XXXX to remove from my credit as it was paid and they told me to contact my debt collector. The debt collector is not reporting on my credit only XXXX. They said XXXX HAS to be the one to remove this from my credit reports. XXXX says they cant as they cant pull up any info on me using my social security number. It appears I do not even have any account with them. I want this off my credit as I paid it with a cashiers check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows a balance on account that has none. The account number is : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor my credit report closely and noticed that you guys placed a CLOSED account on my report without my consent!! Firstly, I applied for a credit card, and was not happy with the credit limit, so I immediately contacted XXXX XXXX to cancel the account. I HAVE NEVER RECEIVED ANY CARD OR USED IT ONCE! !. They told me when I contacted them that it would not be reported on my credit profile since I never activated the account!! Yet YOU are reporting it. Account : XXXX XXXX  XXXX Also the companies have violated my rights several times under 15 USC 1681.

According to : 15 U.S.C 1681 Section 602 A : States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX separate representatives from IQData tried to pressure me into paying my debt after I told them I was unable to pay today, but could pay the next month. I tried to end the phone call, but they stated if I did not pay today that it would be marked as a refusal of pay and that it would be reflected negatively on my credit and in other ways. I asked for details on how it would impact me and I was told they were not obligated to give me that information and they instead attempted a hardship form. The rep submitted the form, but I was denied because due to their calculations I should be able to pay even though I repeatedly said I could not today nor could I postdate it a week out ( XX/XX/XXXX ) because of XXXX very expensive bills that I had to cover. They then tried to suggest a payday loan as if they were offering it but when I asked for further explanation they said to get an external pay day loan and still postdate till the XXXX. It was not expressed clearly the first time and I had to get clarification that he was in fact still going to postdate it like originally suggested. He also said that payday loans have to be paid back in 30 days, which is not true and in the state of California I can't get a payday loan for the amount I owe as the maximum amount is {$250.00}. I then said that is not possible as I've recently been denied and in response the representative stated that I " do not care enough about my credit '' said have a good day and promptly hung up on me without resolution. After the phone call I looked up the company and I was able to check my account online and this collection 's company has only had my account for 4 days upon calling. I am not happy with the way this was handled as there was poor attempts to work with me and I felt like the language was vague and threatening which made me stay on a phone call for XXXX mins just to get the same answer I was given at the beginning of the call. You can also postdate a payment on their website out to the end of the month which does not align with the initial date of the XXXX.
Product: Debt collection

TransWorld Systems is reporting delinquent accounts on my credit in error. I have had XXXX XXXXnsurance for the last several years. The original creditor must have made an error and not taken my XXXX XXXX  information XXXX I have attached a copy of my medi-cal cards dating back to 2017. Please have TransWorld verify the accuracy of all negative TransWorld accounts.
Product: Credit reporting or other personal consumer reports

Subject : Request for Assistance in Removing Fraudulent Child Support Account Dear [ Recipient 's Name ], I am writing to formally dispute the fraudulent and misrepresented child support account that has been appearing on my credit report. I have been disputing this account for an extended period of time, as it should not be included on my report. Despite my repeated requests, Experian has failed to conduct a proper investigation into this matter that would clearly demonstrate the need for this account to be deleted. 

This continued inaction feels like willful non-compliance, which could potentially fall under fraudulent misrepresentation. As stated in the Fair Credit Reporting Act ( FCRA ) Section 611, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute and to ensure the accuracy of the information they report. 

I am reaching out to you for assistance in removing this account from my credit report. Its presence has severely impacted my ability to grow my business and provide for my family. Resolving this matter would significantly improve my ability to move forward and build a better future. 

Please help me rectify this issue and remove this fraudulent account from my credit report.
Product: Debt collection

XXXX Called N.A.R. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX asking them to validate the ( 2 ) collections they have added to my credit report. Instead of validating the debt, on XXXX, they sent me a NEW collection letter to the updated address that I provided to them. 
XXXX Called again asking for the validation ( signed contract ) showing my signature. Spoke with a Supervisor named XXXX and she indicated that she was still waiting for the documents from XXXX 
XXXX Called again and spoke with the Supervisor XXXX asking for the paperwork again. She indicated that they received it but because they were closing in 5 minutes that she would email it to me first thing the following morning. 
XXXX Called again asking to speak to the Supervisor XXXX but was told this time that she was not available. 

I have disputed this two charges thru the Credit Bureaus, ( XXXX ; XXXX ; XXXX XXXX but they just sent the information to the collection agency and the collection agency will not provide the proof nor will they take these off of my Credit report Idaho XXXX Date opened : XXXX Amount : {$2400.00} XXXX Date opened : XXXX Amount : {$4200.00} I have never lived in XXXX. My wallet had been stolen with my drivers license ; social etc inside. I have filed a police report already but they too need to see the signed contract against my drivers license / passport showing that it was not me.
Product: Debt collection

I graduated from XXXX XXXX and University in XXXX, Ohio in XXXX. When I graduated I received a notice I had an outstanding balance of {$3300.00} from courses I had to repeat. The Financial Aid office failed to mention that my scholarship did not cover the entire class. Then I collection email from key 2 recovery for {$4200.00} and I was just finishing school which I actually finished in XX/XX/XXXX. I asked them what was the additional amount for and they said collection fees. I told them how is that possible when I was never told there would be collection fees. They started harassing my wife and my family to get in touch with me. I was not working at that time and I also asked for them to send me a detailed billing notice for the charges. Fast forward to XXXX of XXXX. They contacted my wife and said her paycheck would be garnished for my debt because I was her husband. They sent an email stating we could not pay via checking account or debit card that we had to wire the amount to Key 2 Recovery at XXXX. My wife then asked could we mail payments and they said no it had to be a wire transfer to make sure they received it and that we didnt say we mailed it but really didnt. My wife sent {$4700.00} over 8 months so they wouldnt garnish her checks. We received an email on XX/XX/XXXX stating we still owed {$900.00} in late fees, cumillated taxes and penalties and court costs and I could not receive my degree until it was paid in full. I contacted the school and they said they havent received a payment from key 2 recovery as of this date. I informed them of what we have paid and they told us to contact the company. I contacted the company again at XXXX and asked to speak to our collections agent XXXX XXXX. he stated he would contact the school to clear this up. He called again and left a message for us to return the call at XXXX and we still have yet to hear anything.? i want my diploma and our receipts asap. and this to be cleared up!
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection debt is being reported on my credit report at all three credit reporting agencies that I does not belong to me. This is the second time that this debt has been reported to the credit agencies. This is also the second time that I am reporting this to CFPB. The first time was compliant number : XXXX. 

The first time the debt collections was reported by XXXX XXXX and this time it is reported by XXXX XXXX. They have changed the debt amount by {$1.00} apparently to get around the requirement that this is not the same debt. The debt belongs to : XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX My name is : XXXX XXXX, not XXXX, and I have never lived at the address in XXXX. I do not have any money due payment to XXXX, nor have you or anyone else contacted me regarding this overdue account. 

I have previously contacted XXXX about the debt and they responded through you saying they needed more information to identify me. The contact email address they provided was incorrect. I have already provided in the compliant sufficient information to identify who I am and my credit report. There is only one collection account in my entire credit report and that is from XXXX. Therefore, it should be obvious which collection account is incorrect. Also, the collection account records from XXXX are for someone with a different name and address to me.
Product: Checking or savings account

On XX/XX/2020 I was scammed. I immediately contacted the company and asked them to cancel. They told me in order to cancel I would have to activate the certificate and send them a copy of my ID along with pictures of my debit card. I immediately called my bank and an agent canceled my card and started the dispute process. I responded to the initial request from my bank via fax with all the stuff the company had sent me. Then recently I received a packet from my bank with the merchant information provided to them. The documents contained forged signatures with my name that I never sent to that company. Initially my bank Citi bank had credited me and then onXX/XX/XXXXthey took the money back saying I never responded to their request for additional information. When I called my bank and asked if they had received my email since the I was provided with an email address I could respond to they said oh we dont have an email address I said why would they provide that to me and the agent stated well its an internal email. The call was escalated because I wanted them to pull the information to continue disputing the charge he said they could not! I have been a customer with Citi bank for 14 yrs and have never experienced such poor customer service. I am beyond disappointed and upset at how many times Ive called them and how much time I have wasted. Also the supervisors are not at all sympathetic and have no service recovery experience. It also seems that Citibank has moved their call centers to other countries for cheap labor not caring about their members!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( XXXX  ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

User email XXXXXXXXXXXX on XX/XX/XXXX I withdrew {$1900.00} from my coinbase XXXX account that was supposed to be deposited into my XXXX XXXX account ending in XXXX via Wire the reference code to that transaction is XXXX I never received my money and it has been 24 days coinbase website states their service assures that a wire takes no longer than 10 business days. I contacted my bank thinking maybe my bank rejected the deposit and they told me there is no record of my money being into contact with them. On XX/XX/XXXX I wrote coinbase support a email XXXXXXXXXXXX they told me it probably still pending. So on XX/XX/XXXX I contacted coinbase through their customer service phone number XXXX ( XXXX ) XXXX the representative told me the transaction says complete and I should have my money. After that she says she will make a complaint to the transaction escalation department and that they will be getting in contact with me through email. It is now XX/XX/XXXX and I have yet to hear from them. I still have {$2000.00} on their account and I am scared to withdraw with the fear of the same situation happening. I made withdrawals before with success never had a problem with coinbase until now. I am uploading a picture of the transaction with coinbase dated XX/XX/XXXX and my bank statement from XXXX to XX/XX/XXXX that proves there is no wire from coinbase
Product: Bank account or service

I have a checking account at Citibank. When I wrote a check of {$1000.00} to XXXX XXXX for paying my rent ( for my wife, XXXX XXXX 's rent in XXXX ) on XX/XX/XXXX, somebody named XXXX XXXX, instead of XXXX XXXX, cashed the check to her own Citibank account by wiping out the recipient 's name ( XXXX XXXX ) and put her name on the check. Citibank did not look carefully for the payee authenticity and paid the money to that person ( XXXX XXXX ). 
I filed a clam to Citibank for {$1000.00} on XX/XX/XXXX. Citibank Representative in that office told me that the check was deposited in a Citibank account, i would be easy for them to find the theft since they videotaped every ATM transaction. They would open an investigation and pay me back in 3 months. But The denied my claim on XX/XX/XXXX using the reason that I did not report the case within 30 days from the incident happening. 
If the consumer put his money in that bank and the bank can not make sure that the written check is going to pay the person the account owner put on, there is no safety the bank can provide to the consumer. Citibank only allow 30 days to claim the loss from money theft. That time is too short and consumer can not find out what has happen in such a short time period. The unpaid rent to XXXX XXXX caused a lot of troubles to my whole family including the damage to my wife 's credit record and we are the innocent victims of the bank money stealing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint a few month ago regarding my identity thief situation with XXXX. The XXXX account that was charge off is fraudulent and need to be remove off my credit report immediately. I am not sure why it has pop back up on my account but it needs to be remove because it can not be verified and it already has been proven to be fraud. I found out that its still on because i tried to refinance my car and take advantage of the better rate due to Covid and i can not get accepted due to this fraudulent account. XXXX  already has removed the account and updated my profile this has been a big hassle and i wish it to be resolve as soon as possible. Looking at my credit history you can tell that these fraud account does not reflect the 7-8 years of good credit history and large number of account. I will include a copy that i have summited before regarding the identity thief with experian.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered that RADIUS GLOBAL SOLUTIONS accessed it without my permission on XX/XX/year>. They have not met the requirements under the FCRA to gain access.
Product: Debt collection

On XXXX I requested my credit report from the 3 bureaus and saw a medical bill listed as collection for XXXX. That bill was taken care of by the VA. They pay all my medical bills. Anyway I decide to write ( Collection Bureau of XXXX ) a letter of validation. I sent the letter off certify mail on the XXXX of XX/XX/2022. Collection Bureau of XXXX received the letter on the XXXX of XX/XX/2022, I have the signature card to proof it. As my letter stated they were given 30 day to sent me proof of validation. It past 30 days and I have not heard from them as of yet. And this is a clear violation of the Fair Debt Collection Practices Act. So I'm requesting the help of the CFPB in taking care of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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

Trans Union is illegally reporting my bankruptcy on credit report without my consent. I calllex the US bankruptcy court in Ohio. And they stated that, They do not share your personal information. Or do they report to the credit Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on 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
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatm
ent of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX  Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry
Product: Debt collection

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX  The Trans uinion.com  website or Trans uinion Credit reporting Service, 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 602 A. States a consumer reporting aenc can not fumish an account with out my written Consent. I never open an account with the XXXX XXXX nor did I give them the ok to report on my credit.