23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, Tennessee XXXX XXXX XX/XX/2024 Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Debt Validation Request for XXXX XXXX XXXX - Account # XXXX To Whom It May Concern, I am writing to formally request validation of the debt that you have contacted me about, which is referenced under the account number XXXX. According to my records, and verified by a debt validation certification from the state of Tennessee, there is XXXX  debt in my name. I have attached a certificate of verification from the TN Secretary of State of 0 records of debt owed by XXXX XXXX XXXX in XXXX, TN. 


Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with the following information : XXXX. **Validation of the debt** : Please provide the original signed contract or other instrument bearing my signature that substantiates the alleged debt. 
XXXX. **Amount of the debt** : Please provide a complete breakdown of the amount you claim I owe. 
XXXX. **Name and address of the original creditor** : Identify the original creditor to whom this debt is owed, along with their contact information. 
XXXX. **Proof of assignment** : Provide proof that Midland Credit Management , Inc. has the legal right to collect this debt on behalf of the original creditor. 
XXXX. **Verification of my liability** : Show evidence that I have a legal obligation to pay this debt. 
XXXX. Please provide all but not limited to any contracts signed with XXXX XXXX XXXX wet ink signature to do business with your company. 

Until these items are provided, I dispute the validity of this debt in its entirety and request that you cease all collection efforts. I also request that you immediately remove any negative information related to this alleged debt from my credit report, as reporting inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, please be advised that I am aware of my rights under the FDCPA and FCRA, and I am prepared to take legal action if necessary to protect those rights. I expect a timely response to this request, as failure to provide the requested documentation within 30 days will result in the presumption that the debt is invalid and no further collection activities are warranted. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and your intention to comply with my validation request at your earliest convenience. 

Sincerely, By : XXXX XXXX XXXX
Product: Debt collection

The following collections agency has re-aged a debt from XXXX that was originally reported on my credit history XX/XX/XXXX. It is now showing an open date of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is my final

notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Product: Credit reporting

In 2007 I was struggling financially and I filed for chapter XXXX protection ; however, none of the filings was accepted by the Bankruptcy Court they all were dismissed. This complaint is to have all XXXX credit reporting agencies remove the information from my credit file. The Chapter XXXX Bankruptcy 's I filled in 2007 was NOT confirmed. I was told by XXXX that they can keep it on my credit report for 10 years, however, I live in California and the Federal Law is 7 years of filling. Also, the plan was never executed and was dismissed/discharged in 2007 as well. I want all XXXX credit report agencies to remove all negative information relating to the Chapter XXXX 's I filed in XXXX, XXXX, XXXX, and XXXX of 2007. I filed them and the bankruptcy court did not process any of them ; they all were dismissed out of court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX  XXXX have 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, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the account listed below is reporting erroneously & are inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was asking for a credit limit increase online for XXXX XXXX credit card, and they did a hard pull credit inquiry from Transunion without proper authorization.
Product: Credit card or prepaid card

In XX/XX/XXXX I purchased a full year digital subscription to XXXX  for the sum of {$360.00}. While I only used it for a few days, I did not dispute my purchase, which was made freely and with full knowledge of the no refund policy. 

In XX/XX/XXXX I attempted to cancel the subscription to ensure I was not charged for a second year. However, I was unable to log into my account while trying to navigate their web page for details, and was unable to contact anyone in customer support via phone, as they do not provide a customer support number or easy way to cancel online. 

This came across as both deceptive and deliberative on the part of the merchant. Being confident in American Express, the credit card I used to charge the purchase, I did not worry too much about getting another charge that wasnt easily contestable. 

In XX/XX/XXXX, I was in fact charged a {$360.00} renewal fee. Upon noticing it on my card a few days later, I disputed the charge with the credit card company. I explained the above info to the customer service agent and submitted the claim, which was denied. I disputed the denial and have been asked, again, to provide documentation of my dispute. I sent the note below, which read in part ... 

" ... It is difficult and deliberately burdensome to contact a representative from merchant to cancel a renewal subscription which I feel is designed to trap you into an unwanted and unused future purchase. I was never notified of a pending renewal by merchant for a large upcoming transaction of {$360.00}, even though they had all of my contact information email and phone number, which I feel was a deliberate attempt to be deceptive and engage in gotcha tactics. It has been nearly a year since I used them in any capacity and certainly not at all since they renewed my subscription in what they deceptively describe as my convenience. A brief internet search demonstrates that this is a major concern for customers of this merchant and others feel equally deceived. 
In light of these four facts, it is my belief that while their actions may not have been illegal, they were certainly deceptive and unethical. Those two reasons should prompt American Express to side with the consumer instead of the merchant, and honor a refund of my unsolicited purchase. 

American Express originally refunded my charge based on my note, but later reversed the decision, again, in favor of XXXX
Product: Credit card

A dispute was escalated to the Company ( Citibank ) since a merchant failed to perform according to his own resolutions described as follows : XXXX ) Refund the Customer for a damaged item shipped to the Customer for the amount of {$240.00} and XXXX ) pay to return back to the Merchant the damaged item shipped to Customer. 

The Company ( Citibank ) grossly disregarded all the notices from the Merchant indicated above ( provided here as attachments ) that were submitted by Customer as main evidence to support his dispute case and resolved against the Customer charging the customer {$240.00} for a damaged item shipped by the Merchant.

The action of the Companys ( Citibank ) Dispute Department are simply too obviously suspicious as to make any reasonable person to believe there are corrupt employees receiving kickbacks from vendors to overlook the evidence provided by customers and rule against them.
Product: Credit reporting or other personal consumer reports

just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX - ( XXXX ) XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX ( Original Creditor : XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX ) XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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.

and according to 15 USC 1681s-2 they are suppose to 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

CFPB, Im not happy can someone please look into this matter about Experian Credit Reporting Agency, I fill that this company is not doing fair credit reporting on consumer accounts I have a credit card that I've had over 1 year I know how the cards work I have a {$200.00} limit that I keep under 30 % every month it's called Debt to ratio. I Iooked at my credit card that I paid it down to a {$0.00} balance when I did Experian dropped my credit score down XXXX points. Come on now something isn't right and. I'm fed up if this account isn't fixed my next step is that I'm contacting my attorney. Enough is enough.
Product: Credit reporting, credit repair services, 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.

US DEPT ED 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 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

This is a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) requesting that TransUnion, Experian and Equifax the credit reporting agency, block fraudulent and inaccurate information from the consumers credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ). The consumer XXXX XXXX XXXX claims that several fraudulent accounts and hard inquiries have appeared on their credit report, including : A personal credit card opened at XXXXXXXX XXXX 
Several XXXX accounts opened from XXXX. 
A personal loan opened at XXXX XXXX XXXX. 
A collection of accounts opened from XXXX. 
The complaint includes supporting documents : A list of the fraudulent hard inquiries. 
A copy of the consumers FICO credit report showing the fraudulent accounts and inquiries. 
Proof from the Federal Trade Commission ( FTC ) in the form of an Identity Theft Criminal Complaint ( XXXX, XXXX, XXXX ) confirming the fraud and identity theft. 
The consumer is requesting that TransUnion, Experian, and Equifax block this inaccurate information within 4 business days of receiving the complaint.
Product: Credit reporting or other personal consumer reports

I was added to the XXXXXXXX XXXX XXXXXXXX as an authorized user XX/XX/2023. The XXXX ended XX/XX/2023. The XXXX Cycle started XX/XX/2023. 

I first pointed this information out to XXXX and asked them to remove the delinquent entries. 

I then educated myself and DISCOVERED ( pun intended ) that it is a violation of the law [ 15 USC section 1681a 2 ( A ) ( i ) ] for XXXXXXXX XXXX to report late payments as delinquencies after assessing late payment fees. These paid fees makes the payments transactions. No creditor or credit bureau is permitted to report transactions. 

I asked XXXXXXXX XXXX, and each respective bureau that XXXX reports to, to reverse the late payment entries to okay or paid as agreed. 
Instead, XXXXXXXX XXXX added XXXX to the previous month preceding the XXXX months that the false and illegal late payment entries were submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous complaints for XXXX and experian also XXXX XXXX to remove items from my reports. I even filed reports with the ftc.gov. and fraudulent items still seem to appear on my reports
Product: Credit reporting or other personal consumer reports

I requested a copy of the 1099C ( Cancellation of Debt ), that XXXX XXXX should provide since what's reporting on my credit report status as being charge off. If in fact it has been written/charge off then XXXX XXXX should provide me with a copy of the 1099C ( Cancellation of Debt ). If they did not write the account off then why is it reporting on my credit as a charge off account which would be inaccurate reporting as well as false information and fraud. I need a copy of the 1099C ( Cancellation of Debt ) and its entirety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/XXXX, I checked my XXXX credit report to see if there were any updates on my credit report. Last week I had started some disputes on some of the accounts on my credit report since some of the information on them was inaccurate. I did notice one big problem that has made me really worried. There is an account on my report that I don't believe is mine. I noticed that this account had similar information as another account on my report. Both accounts reflect the same date, XX/XX/XXXX as their date opened. Both accounts have the same write off amount of {$1800.00}. The account that I don't believe should be on my report is listed as an auto loan. I do have pictures that I will download. Now, I have that same information reflecting on my other credit reports and I have a feeling that the company BB & T that is reporting this information to my credit reports has written off my account more than once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in prison from XXXX until XXXX. During that period someone used my personal information to open many accounts. All but one account ( XXXX XXXX XXXX ) has been removed from my report. The supporting documents clearly show that I was in prison. A XXXX search would also verify that I was in prison. I have disputed this item no less than 6 times and have shown XXXX that XXXX XXXX XXXX ( XXXX ) is acting in bad faith. XXXX has even tried to extort me, stating that if I gave them {$3000.00} they would take the entry off my credit report. I shared this information with XXXX and Experian. Both reporting agencies say there is nothing that they can do, that XXXX is basically in charge here and they won't take it off unless XXXX approves. A law is being broken here. Neither XXXX or the reporting agencies will provide me with the proof that I personally rented this apartment. They are relying on information used by an identity thief who had all of my ID. I would like the XXXX entry removed from my report and would specifically ask that both reporting agencies be reminded that they have a responsibility to both consumers as well as those that pay them.
Product: Payday loan, title loan, or personal loan

I received a letter dated XX/XX/XXXX that says I was past due on a pay day loan taken out on XX/XX/XXXX. The letter stated that {$1800.00} was outstanding and due. My husband passed away last summer and therefore neither he nor I took out this loan. I called ACE Cash Express and they explained that this loan was taken out online. I called again with my brother the next day and they refused to provide any information about the loan including where the money was actually sent. My brother informed them that the call was being recorded and they still refused to provide any information.
Product: Credit card or prepaid card

LETTER DATED XX/XX/XXXX ( I RECEIVED THE LETTER XX/XX/XXXX ) ADVISING THAT MY CREDIT CARD HAD BEEN TERMINATED. WITH NO REASON WHY??? THE ACCOUNT WAS CURRENT, PAYMENTS UPTO DATE, A VERY SMALL BALANCE. 
THE CREDIT CARD HAD A REWARDS BALANCE OF OVER XXXX POINTS WHICH IS EQUIVALENT TO {$1500.00} WHICH HSBC HAVE REVERTED BACK TO XXXX. 
I HAVE TRIED SO MANY WAYS TO OBTAIN WHY THIS HAPPENED, HSBC HAVE MOVED ME AROUND SENDING ME TO THE LOCAL BRANCH WHO WOULD NOT FIND OUT OR EVEN KNOW WHAT TO DO. I HAVE TRIED TO CALL THE CORPORATE OFFICE, NO ANSWER. THEY HAVE TOTALLY MADE ME FEEL ABUSED, DISCRIMINATED AGAINST LIKE HAVE DONE SOMETHING WRONG. NOT ABLE TO FIND OUT IF THE BANK HAS BEEN GIVEN SOME WRONG INFORMATION, AND WHY THEY WOULD DO SUCH A THING. 
I NEED HELP TO FIND OUT HOW AND WHY A BANK WOULD BE ALLOWED TO DO SUCH A THING WITH NO EXPLANATION. 
LOOK FORWARD TO HEARING FROM YOU.
Product: Credit reporting or other personal consumer reports

Several years ago, my car was broken into, and my purse and wallet, which contained my credit cards, Social Security card, ID, and other important documents, were stolen. Despite reporting this incident to all credit bureaus, the stolen information continues to appear as verified on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

today I checked my credit report and found on there some inquiries that I never requested or that are unfamiliar please get off. 
XXXX XXXX on XX/XX/XXXX consumer request XXXX on XX/XX/XXXX written authorization XXXX XXXX code on XX/XX/XXXX XXXX  on XX/XX/XXXX for c ollection   XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX   on XX/XX/XXXX for consumer initiated transaction XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX all these are unknown unfamiliar
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX  XXXX Balance : {$4400.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$370.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX  XXXX Balance : {$770.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

I disputed the bankruptcy listed on my report with Equifax. They responded but failed to disclose the source of their information. I provided documentation from the United States Bankruptcy Courts to Equifax and to the CFPB that the courts do not validate but instead it is done through a third party. Equifax lied in their response to me and to the CFPB in stating that the Bankruptcy Court had validated the data ( something that they do not do ). Here is their response on the CFPB complaint containing the lie : Equifax said : " Explanation of closure Equifax has reviewed your complaint and its records regarding your dispute. The Discharged Chapter XXXX Bankruptcy has been verified to be correct as reported on the credit file. Written confirmation has been mailed. 

Response *Equifax reviewed the complaint, its records and initiated a reinvestigation. 
*Equifax did not receive any additional communications from the consumer during the review of the complaint. 
*Equifax will mail the results of the reinvestigation within 30 days. '' As this is not correct and as failing to disclose the actual source of the data is an FCRA Violation, I demand that it be removed from my credit report!