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

In XXXX of XXXX, I found out that XXXX XXXX XXXX XXXX issued a {$30000.00} credit card or a loan in XXXX of XXXX to someone who might have committed an identity theft. I filed a dispute with XXXX, XXXX, and Equifax and all three of them didnt find anything wrong with the information provided by XXXX XXXX XXXX XXXX XXXX From the information reported, I can assure that the address and the telephone number of the individual who took the money do not match mine. I never applied for that line of credit.
Product: Debt collection

I noticed this debt had been placed on my credit  report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ). Arizona state regulations require all debt collectors to  send specific written documentation verifying the debt : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge.   I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a res  ponsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Moreover, this debt appears to be past the Statute of Limitations.
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information corre  ctly, violates the FDPCA and their Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment 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 shalli ) 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. 

Please remove the following items from my credit report, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2021 I opened checking and savings accounts at US Bank on XXXX XXXX in XXXX IL. A week later, they closed it, claiming I was in violation of the Deposit Agreement. 

One of the personal bankers at US Bank sent me 2 cashiers checks - one for {$310.00} which was the outstanding balance in checking. And a check for {$290.00} for the outstanding balance in savings. I deposited those checks at my current bank through mobile banking. 

I made a clerical error on the check for {$310.00}, and typed in the wrong amount. XX/XX/XXXXmailed the check for {$310.00} back to US Bank. 

On XX/XX/XXXX, I attempted to be reimbursed for the {$310.00}, at the US Bank branch in XXXX XXXX IL. The teller spoke to US Bank Internal Affairs and informed me that XX/XX/XXXX had cash the check already. 

I then met with the branch manager and Vice President of the US Bank in XXXX XXXX. 

After about 20 minutes, she threatened me with the police. All because I wanted reimbursement for the {$310.00} check. 

When I left the XXXX XXXX branch, two officers of the XXXX XXXX police were waiting in the parking lot. One of the officers went inside the branch to get the branch managers side of the story. 

When he returned, he informed me that if I went into any US Bank branch, I would immediately be arrested.
Product: Payday loan, title loan, or personal loan

I sent the payoff XX/XX/23 priority mail ( XXXX ) and it was received in their office XX/XX/23 at XXXX. They are claiming it wasn't received until XX/XX/23 because you have to allow them time to process. I called everyday because I knew the payoff wouldn't be enough if it wasn't posted in a timely manner. They in fact charged me and I had to make an additional months payment on one of my loans. They admitted that using the overnight mailing address does not expedite anything and they are looking into a fix. This is an unfair practice. In addition to phone calls, there are several email communications from XX/XX/23 through today XX/XX/23. 

According to the payoff schedule provide, my payoff as of XX/XX/23 should have been {$9400.00}. The amount received was {$9300.00}, short {$29.00}. They charged me another {$350.00} on XX/XX/23 to payoff my loan.
Product: Debt collection

Americollect has been attempting to collect an already paid debt to XXXX XXXX XXXX in XXXX, Washington. in the sum of {$250.00} Dispute attempts by phone were met with associates explaining to me that I could not file a dispute or require validation by phone ( which they are legally required to provide ) and may only communicate with the dispute department via email. 

I emailed Americollect and requested a cost breakdown and validation of this debt, I only received an email that stated " we have verified that you owe this debt ''. without the required breakdown of costs associated with it. 

When I attempted to dispute during the first call, the operator stated " I don't see why you would be willing to let this damage your good credit. '' due to this, I feel as though my credit was being directly threatened by a representative of Americollect on XXXX behalf. 

Americollect also intentionally misrepresented this debt as a retail debt and not a medical debt to credit bureaus. 

According to the laws in place by the XXXX XXXX XXXX, they are in violation of the following items : The willful misrepresentation of the type of debt. 
The false representation or implication that any individual is an attorney or that any communication is from an attorney. 
The threat to take any action that can not legally be taken or that is not intended to be taken The false representation or implication that accounts have been turned over to innocent purchasers for value. 
The false representation or implication that documents are not legal process forms or do not require action by the consumer. 

In addition to the violations above, I believe that this was reported and misrepresented willfully with the intent to damage my credit 's good standing and prevent me from meeting credit-based goals.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to all 3 bureaus going over my rights that have been violated numerous times I also have disputed several of the items on my credit report as incorrect some of them over 7yrs XXXX that just need to be deleted moving forward hopefully for the ones that dont please keep in mind how important credit is for people I will list accounts in fraud case I also sent it by mail to each not all bureaus have the same accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion : 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 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
Product: Credit reporting or other personal consumer reports

XXXX Bank sold and DELETED my mortgage account I had with them, account # XXXX without my permission to another lender, XXXX XXXX. On my credit report it does not show a mortgage on all 3 Bureaus, XXXX, XXXX or Transunion. I am currently paying my mortgage and have never missed with XXXX XXXX or the new Lender XXXXXXXX XXXX. This is a blatant violation of my rights & caused damage to my credit profile. FCRA ( 15.U.S.C 1681s-29a ) ) explicitly requires furnisher of information to accurately report data to the credit bureaus. XXXXXXXX XXXX XXXX arbitrary deletion of positive information constitutes reckless disregard for accuracy & is the cause for potentional unfair credit denials. By removing accurate & positive information specifically, my long-standing record of timely mortgage payments-UXXXX XXXX has engaged in unfair practices that violates both the letter & the spirit of the law. Removing accurate positive history from my credit report without valid reason is not only inaccurate reporting but also a direct infringement of my consumers rights under 15u.S.C.1681 ( a ). FCRA Section 611 ( a ) ( 1 ) ( A ) I strongly request that this matter thoroughly investigated by the CFPB. The credit report agencies with XXXX, XXXX XXXX reinstate and post my positive credit history & provide verification of the information. 
Restore my positive credit history and post my new Mortgage with XXXXXXXX XXXX
Product: Credit reporting 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 XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$520.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and is see a list of derogatory items that are not mine including bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and his information on my report is very incorrect. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX   CHAPTERXXXXBANKRUPTCYDISMISSED XXXX XXXX   XXXX {$8000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXXXXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXXXXXX XXXX XXXX  and myself! Please send the proper validation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with Experian twice already regarding every single student loan/XXXX  account they have on my report. XXXX  has absolutely ZERO student loan accts on my report. I provided proof of such and requested that due to this discrepancy it needs deleted off my report-they refuse to. I also provided proof of reporting discrepancies with XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX as all of those are listed on my Experian report but either they're removed off my XXXX or the information has discrepancies-they still won't remove them. They're in violation of the law and the Credit Reporting Act and I need them to IMMEDIATELY remove all of those accounts for the erroneous information. I have provided proof of everything on my XXXX report to you all. I have provided this same information to Experian yet they are ignoring it and stating that these erroneous accounts are verified. I also requested signature PROOF of these accounts being verified and they have failed to provide me that via mail, also. THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY BECAUSE IT'S CAUSING ME TO NOT HAVE GREAT CREDIT WHEN IN FACT I REALLY SHOULD.
Product: Credit reporting or other personal consumer reports

XXXX and Experian are reporting the wrong name
Product: Credit card

My wallet was stolen and used to open a false credit card under my name. I have reported this to chase but nothing has been done and they are refusing to provide me with the transactions and charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a dispute letter. that contained inaccurate things on my credit report. It has been 60 days or more I've received a response but its not the one I would like to hear. I feel like the Junk Collection agency just ignores my reasons for them to close my account. They can't provide me with any documents proving or staiting the I authorized that account. I asked them to send a copy of my id along with signed documents and my social. They couldn't provide this info for me. 15 U.S. Code 1681- Congressional findings and statement of purpose states ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

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

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand these accounts be deleted immediately or I will file for litigation due to all the stress all of this has caused. My Info was also affected by the Equifax data breach and more than likely got in the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bayside credit repossesed my car last year because two checks bounced and the day they found out they reposssesed my car. They said they called me first, but did not. It cost me XXXX $ to get my car back two days later. I dont see how this is legal and if it isnt then they should be held responsible and held up to whatever the law says to be the consequences. 

Then 1week ago they put on my credit report that my account is closed. I still owe them XXXX $ and have made every payment on time. It also says that I have never been late on a payment and my account is in good standing. This company, especially the guy named XXXX or XXXX in the collections department has threatened me over the phone with repossession numerous time and have called my family members and people not on my reference sheet. I know this is illegal. I would like Bayside credit to rectify the mark on my credit report and if they have broken the law I would like them to be held to the penalties afforded by the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$51.00} CAP XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I mailed letter to XXXX and Equifax in regards to my collection account with XXXX XXXX XXXX XXXX I informed them that not only was the debt not one that was accurate but the account was noted on my file incorrectly. I know according to U>S>C 1681 ( a. ) I all information must be accurate in order for it to be reported. also that the reporting agency must go above and beyond in order for it to stay on y report. I receive notice from XXXX  and equifax that the information was. verified as accurate. I realized they updated the responsibility from joint to Individual however this account was a joint account before I was harassed Illegally by XXXX XXXX XXXX XXXX. this shows that either the investigation was done incorrectly or they deliberately left it on there which would be violation of XXXX  15 in USC code. 

I also do not owe this amount as in is inaccurate. I have filed a complaint against the company themselves because I was charged for full Rent for year when I was allowed to break lease because of bullets being shot through my window. I was afraid for my life and spoke with manager at the time she told me she would allow me to break lease without any penalty. the sad part is that when I moved they not only charged me full they added fees and kept my security deposit even though there was no damage to property besides the bullets that was shot from issues in the area that had nothing to do with myself. with them illegally trying to collect an debt I would like this compnany investigated as they are already facing a lawsuit for fees and harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX Experian XXXX XXXX has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check payment history, date open, last activity, and Status of XXXX XXXXXXXX XXXX  XXXX. I believe it was reported in error. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/year> 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 inaccurate.
Product: Credit reporting or other personal consumer reports

I got a copy of my credit report and noticed an inaccuracy and I am submitting this complaint regarding the collection practices of XXXX. XXXX XXXX XXXX XXXX. Specifically, the company has reported a collection account on my credit report without being licensed to operate as a collection agency in the state of XXXX. I found that XXXX. XXXX XXXX XXXX XXXX is not licensed to operate as a collection agency in Michigan, as required under Michigan law. This lack of licensure is a violation of both state law and the Fair Debt Collection Practices Act ( FDCPA ), which mandates compliance with state regulations for debt collection activities. 
Also, I never received a dunning letter or any prior written notice from the company before they reported this account to the credit bureaus. The FDCPA requires debt XXXX to send a written notice of the alleged debt within XXXX days of their initial communication. This notice should provide details about the debt and my rights to dispute it. Since I never received a letter, Nor was I given an opportunity to validate or dispute the debt as allowed by law. Reporting a debt to the credit bureaus without prior notification and validation constitutes unfair and deceptive practices, harming my creditworthiness and financial standing. 

The collection account in question is identified as follows : XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX. 
Account Number : XXXX Reported Balance : XXXX To resolve this issue, I have Contacted XXXX XXXX XXXXXXXX XXXX XXXX, demanding the removal of the account from my credit report. 
Filed disputes with the credit reporting agencies. 
I am now requesting the CFPB 's assistance to investigate this matter and ensure compliance with federal and state laws. Specifically, I ask that the CFPB : Too Investigate the licensing status and collection practices of XXXX. XXXX XXXX XXXX XXXX. 
Require the company to cease reporting the collection account on my credit file. 
Impose any appropriate penalties for noncompliance with state and federal regulations. 
Ask that the collection account be removed from my credit report unless it can be validated in compliance with applicable laws. 
Also That XXXX XXXX XXXX XXXX, XXXX be investigated for their failure to adhere to the requirements of the FDCPA and FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my personal credit report, which I acquired fromExperian, I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/2018 I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.