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

In accordance with the Fair Credit Reporting Act, XXXX # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose The goal in the headline of the letter is always to setup a situation where the burden of proof relies on the consumer reporting agency ( Credit Bureau ). You do not want to make a specific claim about a specific account in the first-round investigation request letter. The reasoning for this is called factual disputing methodology. Making a claim of Not Mine or Never had account when the account is yours invalidates the claim if it is in fact yours. Write as if you are a consumer without the fancy jargon in this round to prevent it being misinterpreted as coming from a credit repair company.

You cant go wrong with quoting 15 U.S.C. Sec. 1681i, since it is very broad and covers Procedures in case of disputed accuracy. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) covers the general investigation overview, the extension of the period to reinvestigate, and the limitations on extension of the period to investigate, while 1681i ( a ) ( 2 ) covers the promptness in how the bureaus must handle the notifications. 1681i ( a ) ( 3 ) covers if and how the bureaus can determine if a dispute is frivolous or irrelevant, all the way to 1681i ( f ) ( 3 ) where it governs how a CRA notifies a consumer through a reseller ( XXXX XXXX ) ( MyFICO ) and others who furnish third party disputes free of charge, etc. 

Please investigate if every piece of information is correct. If not, please remove it from my credit
Product: Debt collection

Heartland resolution group Purchases by XXXX capital partners They bought a debit and trying to recoop false amounts owed. To see who will dispute amounts. They say on XX/XX/11 I owe {$340.00}.
Product: Checking or savings account

I have received a few deposits that were pretty large in my account. Next thing I know they freeze my account saying they need to prove my identity and proof of address an exclamation of where my phones came from which I did so I then called the company and they there that they received all my documentation and that I should have it resolved in two days I cant get anyone to answer any questions now my account still frozen and I had more money that was going to be deposited. Thats lost in limbo now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 

The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number:XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 an 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, credit repair services, or other personal consumer reports

I contacted  XXXX   XX/XX/XXXX  by online for inquiry removal where in which I have no contract with these entities listed on my report :   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX    XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX  EACH COMPANY STATES THE WILL NOT REMOVE INQUIRY BASED ON POSTING IN REPORTS AND SINCE NO AGREEMENT POSTS OR IDENTIFY AS ACTUAL ACCOUNTS ON REPORTS IT IS NOT THEIR FAULT. I REQUESTED TO ALL REMOVED ON THE FACT THEIR ARE NO AGREEMENTS MADE TO POST AND TO PULL MY CREDIT WITHOUT CONSENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, Credit Karma reported a 114 % utilization rate on my XXXX XXXX when it was at 10 % causing my score to drop and furnishing false information.
Product: Credit reporting or other personal consumer reports

TransUnion continues to provide inaccurate and incomplete information on my credit report regarding XXXX of XXXX XXXX # XXXX and XXXX # XXXX accounts that they say are mine. I have repetitively disputed these accounts for incompleteness and inaccuracies, and requested that they post a Notice of Dispute on these accounts which is required under FCRA Section 623 ( a ) ( 3 ). Unfortunately despite my multiple verbal ( on the telephone ) and in certified written requests on this matter they have ignored me, continue to report these accounts without a Notice of Dispute ( see attached highlighted ) and have now forced me to pursue civil litigation to correct their documented misbehavior if they do not immediately removed these accounts for this violation.
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 consummer rights to privacy and confidentiality under USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX XXXX However, they stated was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified that an account is in collections under my SSN and name. After attempting to call the company several times and being refused assistance I filed a dispute on my credit report. They simply found the account information " accurate '' which is impossible because it's fraud. I have filed a police report. The fraudulent account is with XXXX and their own fraud department told me there is no account under my SSN so how could Experian possibly verify the account as accurate?
Product: Credit card or prepaid card

I lost one of my jobs during co-vid and because of that I wasn't able to pay off my credit card in full. Therefore interest has been collecting. I called many months back and the rep that picked up the phone has promised to waive all my fee 's if I am to pay the card in full, but this isn't something they usually do. 
At the time, I couldn't afford to pay everything in full. I was only working 1 job.

Present day - I'm finally back up on my feet and I have a job that can pay this debt in full. But, I'd like if Chase could waive ALL the interest fee 's. This would really help me get back on my feet, but they told me no. Not only just " no, '' there's no explanation. 

I've been with Chase for over XXXX  years and this is how they treat their customers. My family and I will be pulling out of Chase Banking because this is pathetic if they don't even have any empathy.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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, credit repair services, or other personal consumer reports

The inquires below are not tied to any open accounts> I believe they are negative affecting my credit report and it is an unfair representation of my credit worthiness. 
Inquiry XXXX : XXXX XXXX XXXX XXXX on XX/XX/2022 Inquiry XXXX : XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX Code 1681a ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or
Product: Credit card or prepaid card

Discover decreased my credit line and did not notify me in advance. As the account has been paid on time, why was the credit line decreased. I have called and their reps have not been able to provide any details.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my XXXX  credit report an hard inquiry was made on XX/XX/2018 from someone within this company. I sent them a letter that I've attached below that stated that I would like for them to provide me with proof of the given authorization that gave them the right to pull my credit on that specific day. Instead of complying with my requests someone within their company pulled my credit again without my authorization on XX/XX/2018. I called and left a message for XXXX numerous times and never received a call back.
Product: Debt collection

Midland Funding/Credit is reporting incorrect and unvalidated information on my consumer report. This debt is not mine and Midland can not provide any proof that I entered any legal contract with them to even attempt to collect a debt owed. I've received letters from Midland Funding that are in direct violation of the FDCPA 15 USC 1692b ( 2 ), 15 USC 1692f ( 8 ), and 15 USC 1692b ( 5 ). I have sent Midland a notarized Affidavit showing where they have breached my rights according to the FDCPA by providing incorrect information on my consumer reports.
Product: Credit reporting or other personal consumer reports

I am writing yet again to the CFPB as there are numerous inaccuracies on my TransUnion, XXXX and XXXX credit reports. These agencies have never had written permission from me to furnish a credit report on me, and when I ask for validation and verification of the items I know are inaccurate, I do not receive the the information these agencies are required by law to provide to me, perhaps because they never received my written permission to report anything. As these agencies, the banks who report to them and the CFPB are all under the same parent corporation unbeknownst to most consumers, my rights as a consumer that are protected by Federal laws that these agencies must adhere to are continually violated in favor of these agencies ' ongoing collusion and racketeering at my and many other consumers ' expense. 

15 US Code 1681 ( d ) 2, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; I require the immediate removal of the accounts furnished by XXXX XXXX and XXXX XXXX XXXXXXXX on all three of my credit reports as despite my many many complaints that neither the agencies nor these banks had my written permission to furnish any information about me to anyone else ( violation of privacy ), the consumer reporting agencies TransUnion, XXXX and XXXX are owned by these very banks! Furthermore, the information reported is totally and completely inaccurate and XXXX  XXXX XXXX and XXXX XXXX are fully aware that these accounts were discharged in full, on time and as agreed in the same specie of money/currency as they exchanged with the Federal Reserve Bank on my behalf. Where are my original promissory notes that they clam to have 'charged off '? They can not provide them as they were exchanged dollar for dollar, therefore as I also discharged the debt AND they exchanged my note for at least 9 to 10 x the amount of my promissory note, they have gained considerably and their 'charge off " is fraudulent. Also, I have not received a 1099-C from either of these banks as required by the IRS and as this is income to me if their claim is supposedly accurate from their continued reporting of it, this is income to me and not reportable on any consumer credit report ( IRS 4681 )
Product: Checking or savings account

I am writing to file a formal complaint against US Bank with the Consumer Financial Protection Bureau ( CFPB ) regarding their denial of my dispute on my debit card transaction and the subsequent closure of my account. The disputed charges were related to the presence of roaches in my weekly hotel room at XXXX XXXX. Despite providing evidence and documentation from XXXX XXXX confirming that they had sprayed for roaches during my stay, my dispute was unjustifiably denied by US Bank. 
On [ Date ], I filed a dispute with US Bank regarding unauthorized charges on my debit card for my stay at XXXX XXXX. In my initial dispute, I specifically mentioned the issue of roaches infesting my hotel room and emphasized the inconvenience and health risk it posed. However, to my astonishment, US Bank denied my dispute without any reasonable explanation. Furthermore, in response to my dispute, XXXX XXXX provided documentation confirming that they had indeed sprayed for roaches during my stay. 
They admitted that some roaches may have attempted to seek refuge in my belongings as a result of the extermination process. Additionally, when I requested a refund from XXXX XXXX due to their failure to address the roach infestation in a timely manner, they agreed to provide a refund. 
To my utter perplexity, US Bank not only denied my dispute but also proceeded to close my account. Furthermore, they are now recharging me for the charges from XXXX XXXX that had previously been disputed. This unjust action by US Bank is in direct contradiction to the evidence I have provided, demonstrating that XXXX XXXX acknowledged the presence of roaches and offered a refund. 
I request that the CFPB thoroughly investigate this matter and compel US Bank to rectify their erroneous denial of my dispute, reinstate my account, and cease any attempts to charge me for the disputed transactions. I also urge the CFPB to take appropriate action against US Bank for their unjust treatment and disregard for consumer protection. 
Please find enclosed
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( 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 know that Under 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 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of XXXX  :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX sent delinquent letter saying i purchase automobile thats 3 months delinquent i told him i never purchase an automobile i have a perfectly running XXXX XXXX the man said he will send me fraud papers over nite inever heard no more i call several other times to be talked down to and say i signed a buyers order i could never get this straight with the company so i was force to do a chapter XXXX when i went to court i ask my lawyer why i could not tell the judge about the car from XXXX XXXX XXXX  and he told me the judge wasnt interested in the formality of the bill i found out this was on my credit report when i try to buy a car XX/XX/XXXX when state farm total my XXXX after hurricane this start me to clear this so i can buy me a car the company keep saying i purchase a car thru that company XXXX and XXXX XXXX did fraud with my information
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C. section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without any written instructions.

15 U.S. Code 1692c states : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing this letter to dispute the previous investigation conducted by your bureau regarding my account with XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT # XXXX and ACCOUNT # XXXX. I would like to express my strong disagreement with the results of the investigation and the way it was conducted. 

Under the FCRA law, I have the right to know how the account has been validated, including the name, company, and phone number of the representative from whom the validation was obtained, the last day of delinquency, the last date of activity, and whether the company is properly reporting under my FCRA rights. However, I do not feel that a full investigation was conducted, as I was not provided with this information. 

Furthermore, I would like to bring to your attention that the account in question is being reported as open, which is inaccurate. I do not have an open account with XXXX XXXX XXXX, and I was not provided with an original validation that contained my signature. I believe that this violates my rights under the FCRA law. 

Additionally, I have reason to believe that XXXX XXXX XXXX is actively manipulating the payment history and charging off the account consecutively with some being reported back to current after it was reported closed and charged off, which is a violation of my rights. This action is causing significant harm to my credit score and overall financial health. 

Therefore, I demand that these accounts be removed for these violations. If your bureau can not confirm that every piece of information is 100 % correct, then I ask that you remove it from my credit reporting. 

I trust that you will handle this matter with the utmost professionalism and fairness. I look forward to hearing from you soon regarding the resolution of this dispute. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I tried purchasing tickets for a football game. Communicated with the seller, or supposed to be seller. They asked to send transfer the funds for the tickets and they would then transfer the tickets. Gave me their email address for a XXXX transfer. Funds, {$700.00} were sent but the seller never sent the tickets and stopped communicating with us. I attempted several times to get them to send the tickets. Called Chase and filed a fraud claim. Even tried requesting the funds back from the email address thru XXXX but no luck. Chase gave me a temporary credit for the funds and then took them back out of my account. I was scammed and would like Chase to credit me my funds.
Product: Credit reporting or other personal consumer reports

By obtaining my consumer report knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX