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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian/XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the account completely from my Credit Reports : XXXX XXXX Balance : {$25000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my consumer report and noticed there are items on there that have reported my private and non-public information which I did not provide explicit written or verbal permission for them to do so, and this is identity theft. They have compiled a report on me that is supposed to represent who I am. This has caused reputable damage to my life ; this information has been used to validate my credit worthiness with other creditors.

These furnishers did not respect my right to privacy under 15 USC 1681 ( a ) ( 4 ), they did not exercise their grave responsibility which is unfair and partial. They assumed the credibility of these companies that the information The furnishings were correct and accurate. They never had a permissible purpose under 15 USC 1681 ( b ) ( 2 ) 15 USC 1681 ( a ) 1 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 USC 1681 ( a ) ( 2 ) An Elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

The CRA has undermined my right to privacy, I spoke with their fraud dept to provide info regarding identity theft and to advise I had made a claim with the Federal Trade Commission FTC Report is attached and a copy of my consumer report # When Speaking to CRA Fraud Dept, Customer Service Agent advised he could not disclose any business info relating to Equifax such as location, supervisor 's name, nor agent last name which I could not understand because this was the company that has my personal information and have inefficiently allowed furnishers to report information that they did have my expressed consent to do so. 

I demand Equifax to block and remove items listed according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please understand I can only list from the file which I received from Equifax, Once I receive an updated copy of my consumer file there may be other inaccuracies that weren't specified in the past report which I will be amending if there should be a need to.

I have enclosed a copy of my Identification
Product: Credit reporting or other personal consumer reports

I have submitted a dispute on how you all are showing a balance on my account of XXXX, but it should be XXXX as the account has been paid and has a XXXX balance. Account stil shows a balance and is hurting my score, needs to reflect correct info of {$0.00} balance
Product: Credit card or prepaid card

I became aware of a problem when I discovered my XXXX score had been lowered by several points by XXXX. Supposedly XXXX was made aware of an application for a credit card by Barclays. Upon doing some checking I learned that Barclays is the company that issues credit cards for XXXX XXXX. I do not shop at XXXX XXXX and have never applied for a credit card with them. 

When attempting to contact Barclays and XXXX XXXX by telephone, I could not make any progress because, since I did not have an account number to give them, they did not seem to want to accept my call. Very frustrating. 

I more or less dropped the ball on this and didn't make further attempts. Then today I received an email from another company I had never heard of, XXXX, informing me they had received a credit card application from me. I immediately called their office and was able to get that application halted and made them aware I had not made the request. 

Because of this second attempt to get credit in my name I decided I must get the the bottom of the first attempt at credit fraud and XXXX is telling me I must file a report with your agency and go through the channels to get this error removed from my credit report. 

XXXX has now placed a credit freeze on my account with all three agencies, however, to get my XXXX score back to what it had been, I have been told I must file a report with your agency. Your help will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX  has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached my identifying documents, this is proof of identity for all correspondences for this communication. Equifax, the credit reporting agency has over reached and violated my privacy rights via 15 USC 6802-Obligations with respect to disclosures of personal information. Consumer reporting agencies may not disclose nonpublic personal information pursuant15 USC 6802a ( 6 ( a ) ) the Fair Credit Reporting Act establishes this protection to me as a federally protected consumer. Per 15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.

Please delete these fraudulent inquiries immediately from any records that are on your system or validate these inquiries by providing me with copies of any documentation associated with these accounts bearing my signature and/or my written permission authorizing an inquiry, per Federal & State statutes.

Furthermore, I also demand you, Equifax produce a contract between you and I bearing my signature showing that I gave you permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Without Recourse UCC 3-415, All Natural Inalienable Rights Reserved Delete the following inquiries from my Equifax consumer report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX BIRCHWOOD CREDIT XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX I did not give any of these companies access to my private information, and as the furnishers, you are in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Dear Sir/Madam, I am writing to formally request the removal of an account associated with XXXX XXXX XXXX from my credit report. A dispute was filed more than 30 days ago, requesting validation of the debt, specifically the assignment contract proving the debt was legally transferred or assigned. To date, there has been no response or valid proof of ownership provided by the creditor or debt collector. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy of information in their credit report, the credit reporting agency is required to investigate the dispute and resolve it within 30 days. Furthermore, if the disputed information can not be verified within this period, the account must be deleted from the consumers credit report as required by law. 

I have attached a copy of my Consumer Financial Protection Bureau ( CFPB ) complaint, which also reflects that no valid response or verification has been provided within the legal timeframe. 

Given the lack of response and verification, I kindly request that you immediately remove this account from my consumer report in accordance with the FCRA. Please confirm in writing once this action has been completed. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX tached CFPB complaint for further documentation.
Product: Credit reporting

I am disputing the XXXX hard inquiries that are on my Equifax credit report. 
The inquiries are from XXXX Bank and they are : XXXX. XXXX XXXX Bank : XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX Bank : XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX Bank : XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX Bank : XXXX ( XXXX XXXX ) I have sent XXXX letters to Equifax to dispute these hard inquiries and they have done nothing yet to correct the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX XXXX  I have been sending letters to both the creditor and the credit bureaus in regard to this account.

The first letter was in regards to USC 609 - verification of the debt in XX/XX/XXXX. The creditor FAILED to respond. 
The second letter was in regards to 15 USC 1681S-2 sent XX/XX/XXXX. Once again, the creditor did NOT respond. 
The third and fourth letter was a final follow up to the first two letters sent XX/XX/XXXX. This letter reference both above letters as well as a violation of 15 U.S. Code 6802. There was NO response. 

XXXX XXXX XXXX  has failed to properly respond to my dispute of this account. As it has been more than 30 days I am requesting the immediate removal of this account. I have tried to access the account online yet they are not allowing me to access the account. I tried to call yet each person kept hanging up. Finally they failed to respond to all 3 letters within 30 days of the post marked date. XXXX XXXX XXXX  is violating several consumer laws under the FCRA by not providing proof of the debt, violating 15 USC 1618S-2, and filling to respond to my dispute within 30 days. 

I have attached the letters sent for reference to what I am referring to.
Product: Debt collection

I have disputed this account several times with titan revenue solution several times. 

they have called me with abusive tactics, cussed at me, called me foul names, threatened me and used several illegal tactics. 

I have asked them to send me the proof they have and all they have is a fraudulent check that has a signature forged to read my name. The check they are used as their " proof '' is not an account I have ever used, owned or operated. 

I have reported this to them as fraud and they continue to ignore me and report this information on my credit report. I have advised XXXX of this matter as well and they have refused to help me. 

Every other credit bureaus has been more than helpful in this situation but XXXX 

Please help me get the justice I deserve.
Product: Debt collection

Company continues to contact me while in class through multiple and different numbers after I told one rep to stop. They send text, I am starting to feel harassed. I submitted screen snip of calls and voicemails this company continues to leave.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries have been on my report out of nowhere. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge and I have been having issues with fraud for the past 3 years. The creditors said that they had notified Equifax of this and it is Equifax who should make these changes by removing the inquiries. 

XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX  XXXX  XXXX Sales Financing Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX XXXX All Banks Inquiry date : XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I was denied a loan due to an erroneous collection on my credit report. My bank informed me of a XXXX collections on my credit report from Focus Management from XXXX XXXX in the amount of {$410.00}. I was never contacted by phone, mail, or email by them about any money I owed. When I tried to call the number listed on the credit report it was not a valid number. I decided to search on XXXX and it showed many claims of fraud. I do not have any outstanding bills for this amount and do not owe them money. As this is causing negative marks on my credit, I would like for this to be completely removed from all XXXX credit bureaus, promptly. I have an attorney that is ready to represent me with a law suit if this is not taken care of. These negative marks have caused me to be denied for a home loan. I want this taken care! 
I filed a complaint with the XXXX and this company refused to respond to my complaint. I have disputed this account over and over and never get validation or proper documentation. TAKE THIS OFF MY CREDIT!!!
Product: Debt collection

I am writing to formally dispute the ongoing and egregious reporting of inaccurate information related to XXXX charge-off accounts on my credit report with Bank of America . Despite my repeated attempts to resolve these issues, Bank of America has aggressively re-verified these accounts without performing the proper due diligence or correcting the clear discrepancies between the dates reported on my credit report and the validation letters I received.
Product: Prepaid card

I have had several weeks of unemployment benefits loaded to the ReliaCard. My mailing address on file with ohio unemployment is : XXXX XXXX XXXX XXXX, OH XXXX. ReliaCard issued and mailed a card to an unknown address they refused to specify even after verifying my identity. They agreed to mail a new card overnight to the correct address. I got the new card XXXX days later but it was already locked for " fraud ''. My funds were frozen. When I asked them why they refused to give an explanation and said I must submit my photo ID to a verification site and wait 2 days. I submit the ID and called them 2 days later. They claim a request came from XXXX XXXX  to close the card for no reason. I asked for explanation of that and proof also they refused to communicate about my own account. I was refused documentation. They have treated me unfairly... not held up thier own card agreements and refuse to allow access to my rightful funds. They also flagged my account for fraud before it was even activated. How can fraud be possible without a single transaction or even an active account?!
Product: Debt collection

In XXXX and XX/XX/XXXX, I closed my XXXX XXXX accounts and was told by representatives and my XXXX online portal that I had no outstanding balance. I have screenshots from a live chat confirming this. Based on that, I believed all accounts were settled. 

However, I began receiving emails about a collection balance, which I believed to be a scam since my portal showed no dues and multiple XXXX reps told me I was clear. It was only when I called the listed collection agency ( XXXX XXXX ) that I learned a second and separate account had been created without my knowledge during a service gap and that the balance owed was from first account which was no longer visible in the portal. I had no visibility into that account and was never told about it by XXXX. 

I paid the collection in full immediately on XX/XX/XXXX, once I understood what had happened. 

Despite this, my credit score dropped from XXXX to XXXX due to this reported collection. I was never intentionally delinquent and I have never missed a billing payment to XXXX. This was a breakdown in XXXX account handling, communication, and billing system not an intentional refusal to pay.
Product: Debt collection

As of XX/XX/2019, my XXXX  credit report shows a debt collection from Midwest Recovery Systems in the amount of {$890.00}. I do not know what this is for. I've not been notified via phone call or mail that I owe this amount and to whom. My credit score has dropped significantly due to this erroneous data.
Product: Debt collection

XX/XX/XXXXXXXX  You are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. & 1681 et seq. for unlawfully obtaining my [ XXXX, Experian, and/or XXXX ] consumer report on { XX/XX/XXXXXXXX  } without my authorization or a permissible purpose under the FCRA. See 15 U.S.C <> 1681b. Specifically, the FCRA provides. A person shall not use or obtain a consumer report for any purpose unless -- - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681c of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. <> 1681 ( f ), Chester v. Purvis, 260F, Supp, 2d 711 ( S.D. Ind, XXXX ). 
I have not initiated and transaction with [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ], Further, I do not have an account as defined under 15 U.S.C for review or collection. 
Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C <> 1681q.

As a result of you unlawfully obtaining my consumer report without permissible purpose, you are liable to me for ( 1 ) actual damages or statutory damages up to {$1000.00}, ( 2 ) punitive damages, and ( 3 ) costs of litigation together with attorneys fees, 15 U.S.C. <> 1681n ( a ) For the sale of judicial economy, I am willing to settle this matter without any admitted liability, I offer full and final settlement of this issue if you comply with the following demands upon you : ( 1 ) cease and desist obtaining copies of the consumer report from the consumer reporting agencies and ( 2 ) pay me {$1000.00} and deliver it to my address above with 14 days of receiving this demand. 
Please be advised that I am prepared to litigate this matter if you do not comply with this demand, Upon timely receipt of the {$1000.00} payment, this letter shall be a general release of all claims herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a self lender card paid the bill ontime self lender did'nt tell me it was a delay or issues they were having reporting to bureaus. My balance is showing the wrong amount.
Product: Debt collection

My name is XXXX XXXX XXXX XXXX ss # XXXX D.O.B.XX/XX/XXXX Address XXXX XXXX XXXX  XXXX XXXX ca XXXX ( I attached proof of address as well ) Account name XXXX XXXX XXXX ACCOUNT # : XXXX I have sent a dispute XX/XX/year> stating this collections must be deleted and removed Company above responded that they sent a validation notice to me and the United States post office indicated that it was delivered. This statement is not accurate when I have never received validation notice and the company has not attached the validation notice in their response THIS IS MESLEADING and FALSE REPRESENTATION 15 U.S. Code 1692e - False or misleading representations I also requested an ORIGINAL PURCHASE AGREEMENT in which I never received in an email fax or mail So this account must be immediately deleted and removed Due to NO DEBT VALIDATION!

15 U.S. Code 1692g - Validation of debts Also company CONTRACT CALLERS INC never showed proof of a real investigation. No procedures in case of disputed accuracy! there is no investigation being done by company delete this collection asap 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code 15 U.S. Code 1692 - Congressional findings and declaration of purpose
Product: Debt collection

My husband took out a title loan with this company. They repeatedly harassed him at work on his cell and office number when he told them not to call his cell or work number. He got laid off in XX/XX/XXXX and totaled the truck in XX/XX/XXXX. They are the title holder and was notified by the toll truck company and me. They put insurance on these vehicles in case something happens. After the vehicle was totaled they repeatedly called harassing him. They were informed 2 weeks ago that he died on XXXX/XXXX/2015. Today XXXX/XXXX/15 they texted his phone. Quote " Good afternoon this is XXXX mgr at Lone Star Title Loans it is important for you to call me at XXXX before XXXX XXXX or you may text back '' sent XXXX XXXX. How is a deceased person suppose to call or text, really you idiots. I used to work for a company like this one they can verify date of death at XXXX or the funeral homes website. I provided this info the them today. by responding to the text message. They were told not to call the cell number I know they did not have permission to text. What happened to the cell phone consent policy.Then they called his phone from the same number at XXXX XXXX today and did not leave a message. My grandson started asking questions again about his papas death and started crying because they were trying to contact a dead person. Really you dummies this is borderline harass.