23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a text message today from Revco Solutions - Debt Collector - out of the blue. First, I find it very interesting that this does not violate the third party rule under the FDCPA as this company identifies they are collecting a debt in the text - and they have no way of verifying that I was not in a public location when I received the text. 

Second, Section 1006.6 ( d ) ( 5 ) ( i ) of Reg F indicates that a debt collector can only send a text to a consumer if a consumer has previously used the number to communicate with said debt collector via text- which I never have. 

Also, Section 1006.6 ( d ) ( ii ) of Reg F indicates that the debt collector must be able to show that they used a complete and accurate database to confirm that the telephone number had not been reassigned since the date of the consumers most recent text- I highly doubt Revco is able to provide such, since I have never communicated with them via text. If so I would love to see the evidence of their verification from that database. 

Lastly, Section 1006.6 ( d ) ( ii ) of Reg F allows a debt collector to send a text to a telephone number if the debt collector directly received from the consumer prior consent to use the telephone number to communicate via text, and the consumer has not withdrawn that consent. Revco has never, and will never have consent to contact me via text message.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19, I disputed the " Remark '' information because it stated " Account closed by credit grantor ''. This was partially correct but should have said " Payment managed by financial counseling program ''. The XXXX XXXX credit card was closed in XX/XX/XXXXbecause I put it in a debt management plan called XXXX and they are still sending XXXX XXXX monthly payments. 


This is what is listed on my credit report currently : Remarks : Consumer disputes this account information " Account paid for less than full balance ''
Product: Checking or savings account

I received the email regarding my Citi bank Checking account closure on XXXX In the letter said that my account will be closed next 60 days, and all funds belong me will be sent by check to my mailing address. I have funds on my account about {$16000.00}. After 60 days, I contacted couple times with number that provided on the letter to Citi Bank Froud department. They didn't provide any information. Only thing they said is, that they will contact to backoffice team and find out what is going on. They have never explain the reason of closure and they haven't sent my funds. At the date of writing this letter we already passed 5 months, and I still haven't received my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

So much XXXX and stress is what I felt when I saw my credit report upon pulling it. I was hoping to purchase a home, but I can see a lot of suspicious accounts on it and inquiries that I didn't recognize and I never authorized. I filed a police report and listed all the fraudulent accounts and inquiries on it. Kindly see the attached documents.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX  XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} DEPT OF EDUCATIONXXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an alert from XXXX XXXX that a collection report was added to my credit report. I do not recognize the debt, I was never contacted about the debt or furnished proof that it is mine. There is no information about when this debt was incurred and I have not seen any notification as to when it occurred. There is business name listed as XXXX XXXX of Washington but I know nothing about this debt and have never done business with them.
Product: Vehicle loan or lease

got a car loan from navy federal XXXX.2014 for about XXXX. beginning payments were XXXX a month. got the opportunity to secure a personal loan through the same bank a year later. used to loan to " pay off '' my car ( i have my title so it cant be repoed ) payments increased to XXXX a month. been paying on this car for 3 years and still owe XXXX. ca n't tell me something is n't wrong with this picture. I can do math and I 've paid about 13k so far. I 'm paying dbl and it 's not right. I make half the money I did 3 years ago and the XXXX a month is too much. I 've tried to get the interest rate lowered several times with no success. All the bank offers is payment deferal and that comes with a price. I do n't mind paying what I owe, but I 've basically paid for this car already and still have 2 years of payments left. This is what 's wrong with this country now and why families ca n't stay afloat. No matter how they try to justify this it 's wrong.
Product: Credit card or prepaid card

There is an account from XXXX XXXX on my credit report that is not mine. This account was opened fraudulently and I would like it removed. Furthermore, on my credit report there is not even an account number associated with this company. My social is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Bank account or service

The bank made an error in charging me an overdraft fee. On XXXX/XXXX/16, I was charged XXXX overdraft fees ( {$36.00} each ). According to my statement, there were only XXXX qualifying transactions that should have resulted in fees. These transactions were conducted on XXXX/XXXX/16 ; the fees hit my account 3 days later. I even made a deposit into my account for {$75.00} without knowing I was going to be charged fees. As a result of the fees hitting my account days later, my account was overdrawn due to the bank not being forthcoming about my balance. I spoke to a teller at the location near me, and was told that there were no fees being charged to my account. Right now, my balance is - {$350.00}, all of which are overdraft fees as a result of the bank not charging me until 3 days later. There needs to be some form of recourse for this ; according to my statement, there was {$140.00} in my account prior to them charging me these fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$220.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DOXXXX, Amount {$4500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, DO:XXXX, Amount {$550.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, DO:XXXX, Amount {$16000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO:XXXX, Amount {$730.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO:XXXX, Amount {$120.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, DO:XXXX, Amount {$650.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. 
XXXX XXXX, AC # XXXX, DO:XXXX, Amount {$870.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO:XXXX, Amount {$250.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

they have violated 15 USC subsection 1692g ( b ) in accordance with fair credit reporting act XXXX  account # XXXX has violated my rights. 

XXXX5 USC 1681 section 604 A section 2. it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

I have also sent a request for verification of this account in which I still have not received any original contracts with my signature on it. I sent a identity theft report and letter hat request the block of inaccurate information which in this case has been ignored multiple times. this account with this alleged debt comes back verified every dingle time with no form of Verification I requested provided. This XXXX XXXXXXXX XXXX  Account # XXXX NEEDS TO BE DELETED AND REMOVED immediately From my consumer report To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
15 USC 1681e ( b ) compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) That you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. My identity has been stolen you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A 15 U.S. Code 1681b - Permissible purposes of consumer reports
Product: Credit reporting

Hi there, in XXXX of this year an unknown BK appeared on my Experian credit report that was said to have been filed in XXXX XXXX 5 years later. The claim and liability amount XXXX say 0. 
Please be advised I have asked that Experian remove this error and they have refused and request that I submit documents to support it removal. If I never filed or attempted to file a BK I would not have any paperwork. 
I can not refinance my car loan until the BK is removed. The bank is questioning me because it was never there before .... yes I know this is Experian 's error. Please help!! 

IDENTIFICATION NUMBER XXXX
Product: Credit reporting

After reporting a XXXX score increase to XXXX on XXXX/XXXX/2016, TransUnion has used erroneous information to lower my credit score from XXXX to XXXX as per XXXX XXXX and XXXX XXXX. Claims that XXXX XXXX reported that I exceeded my account by {$1.00} or more dollars on XXXX/XXXX/2016 and subsequently XXXX XXXX under the same circumstances on XXXX/XXXX/2016 ( screen prints attached ). Both accounts have been closed and charged off for nearly 7 years.
Product: Debt collection

I am not the person they want to contact. I do know know the individual they are trying to contact. They keep insisting that my number is the number on file for " XXXX XXXX '' but my name is " XXXX XXXX '' and I am not related to any XXXX 's. I have told them this 2 years ago and complained to this office about them and it stopped until now, they have started again. They have stated clearly they are NOT trying to contact me, and this is not a debt I owe, and YET, they are still harrassing me! XXXX XXXX of RCS Capitol is harrassing the wrong person on purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 JPMorgan Chase Bank Consumer Relations Department XXXX XXXX XXXX XXXX, OH XXXX Subject : Unauthorized Hard Inquiries on My Credit Reports Dear Sir/Madam of Chase , I hope this letter finds you well. I am writing to bring to your attention a matter concerning unauthorized hard inquiries on my credit reports, which I believe to be fraudulent and in violation of the Fair Credit Reporting Act ( FCRA ). I kindly request that JPMorgan Chase Bank ( JPMCB ) promptly remove these inquiries from all three of my credit reports. 

Upon reviewing my credit reports, I discovered that two hard inquiries were made on XX/XX/2023, and XX/XX/2023, respectively. I would like to emphasize that I did not authorize these inquiries, nor did I have any prior knowledge of them. These unauthorized inquiries not only impact my credit score but also raise concerns regarding potential fraudulent activity. 

As evidence of these unauthorized inquiries, I have attached screenshots of my credit reports clearly showing the details of the inquiries. I kindly request that you thoroughly review the attachments to understand the unauthorized nature of these inquiries. 

Under the FCRA, consumers have the right to dispute any inaccurate or unauthorized information on their credit reports. According to Section 1681b of the FCRA, entities seeking access to an individual 's credit report must obtain the consumer 's written consent before pulling their credit records. As I did not provide authorization for these inquiries, I believe they are in violation of this provision. 

I kindly request that JPMCB immediately investigate this matter and take appropriate action to remove the unauthorized hard inquiries from all three of my credit reports. I also request that you provide me with a written confirmation once the inquiries have been removed. 

I trust that you will handle this matter promptly and in accordance with the law. If necessary, I am prepared to take further action to protect my rights under the FCRA. 

I look forward to your prompt attention to this matter. Please contact me at your earliest convenience to discuss the steps being taken to resolve this issue. Thank you for your cooperation. 

Yours sincerely, XXXX XXXX
Product: Credit card

I opened a secured card. Within XXXX  months it would be converted to a regular card eligible for limit increases. I meet the maturity date with no late payments, no over the limit fees, and no return payments. My account does not get converted. I reach out to Citi and they tell me I have a new maturity date about a year from the first maturity date. They have not explanation as to why it's not being converted but I continue with the account. The next maturity date comes and goes. I call again and they advise I would not convert to a regular card and be eligible for increases and no reason was given. They just told me to apply for other cards. I had no intention since it was bait and switch with this one.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 THESE INQUIRY 'S DO NOT BELONG TO ME.
Product: Debt collection

The company Bryant and Bryant contacted my wife in an attempt to contact me, but left contact information for me to return my call. The number was XXXX and it was XXXX XXXX. She pointed to a payday loan that I owed through XXXX services, but I have never taken out a payday loan. She was then trying to seek out other information or narrow down who I was, but I gave out no info. This was a very fishy sounding call and resulted in nothing that I know of.
Product: Vehicle loan or lease

I financed a vehicle from XXXX with Total Finance Company in XX/XX/XXXX. Upon financing the vehicle I was told that I didn't need full coverage insurance. I got into a car accident XX/XX/XXXX.  The finance company tows the vehicle away XX/XX/XXXX They have had the vehicle since then up all the way until now. they have had my vehicle for two months now and every time I call they tell me my vehicle is under review. They are still collecting payments for my vehicle but yet they are not giving my vehicle back or letting me know if they are going to fix it or not. They claims department doesn't answer the phone and when you try to file a complaint no one never answer the phone. This finance company is a scam. And they keep threading me saying well if you don't pay your loan we gon na hit your credit. 
These people are telling folks they don't need full coverage insurance on their vehicles and taking their cars hostage and still making them pay for loans hoping they eventually default because they know people are not going to pay for product that they don't have. If this finance company would have never advise me that I don't need full coverage insurance I would have had my cat fixed and would not be going through such hard ships this finance company has cost me two jobs because the won't relinquish my car or fix it.
Product: Credit card

This is additional documentation to CFPB Case # XXXX. 

Company falsified their letter to this case dated XXXX, to which you closed my case. 

I will attach activity from my credit report that shows activity ON THIS CARD from 1 year ago. 

They said they closed my store card ( a XXXX credit line from XXXX  ) due to inactivity of 31 months. 

Per the attached I had a {$780.00} balance on XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several inaccuracies on my consumer credit report, as maintained by your agency. I have identified numerous discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and related statuses. It is essential to rectify these issues promptly to ensure the accuracy and fairness of my credit profile. 1. Late Payments : There are inaccuracies in the reporting of late payments on my credit report. 2. Credit Utilization : There are inaccuracies in the reporting of credit utilization on my credit report. I assert that the entities providing information to the credit agencies ( Furnishers ) have no right or written consent from me to furnish my information. 3. Revocation of Consent : I hereby revoke any forms of consent be it verbal, non-verbal, written or implied for the furnishers to furnish my info. 4. Nondisclosure Option : I have not been properly informed by the Furnishers of my right to exercise a nondisclosure option, as required by 15 USC 6802 ( b ) ( c ). 5. Adverse Information : Inclusion of adverse information without proper authorization violates 15 USC 1681C ( a ) ( 5 ). Knowingly Furnishing Inaccurate Information : Furnishing inaccurate consumer information knowingly is prohibited under 15 USC 1681s2 ( a ) ( 1 ). 6. I have also noticed some unauthorized inquiries items that must be removed. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time - XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX have all violated my right to privacy. 7. Immediate Deletion of Negative Accounts : I request the immediate deletion of all negative or derogatory accounts on my my credit profile with XXXX, Transunion and XXXX. XXXX. Notation of 15 USC 1681 ( c ) : Immediate notation of 15 USC 1681 ( c ) in Transunion, XXXX and XXXX systems concerning my report.
Product: Debt collection

I am filing this complaint against LVNV Funding for reporting a collection account on my credit report that I do not recognize. I have no recollection of doing business with this company, yet they are reporting an OPEN collection with a past due amount. I have requested the credit bureaus validate this debt, but LVNV Funding has failed to provide any proof that this debt belongs to me. This reporting appears to be inaccurate and potentially in violation of credit reporting standards. I request that this matter be thoroughly investigated and that the erroneous information be removed from my credit report immediately.
Product: Debt collection

There are 3 items on my credit report from the same company but three different amounts XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts and hard inquiries off my credit profile from Experian XXXX and XXXX XXXX immediately! 

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 am filing a complaint against Equifax for failing to propery 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 ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) 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. 
Theses are the accounts I have marked has inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXXXXXX 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