23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I've disputed through XXXX, multiple times about medical debt with company " Commonwealth Financial Systems '' I did my dispute through XXXX XXXX, and since the most recent update I am unable to view the past dispute dates. However I do check my " score/report '' update every 1-2 weeks. I've ask XXXX to verify that all of the account information. Ever since I've disputed a few months ago ( the first dispute starting around XX/XX/XXXX ) the collections account will be deleted and re-added at random intervals. The amounts vary between $ XXXX {$2000.00} ( The current amounts are ( a ) {$1500.00}, ( b ) {$1500.00}, ( c ) {$1100.00} ). 

" A '' was reported onXX/XX/XXXX " B '' was reported on XX/XX/XXXX " C '' was reported on XX/XX/XXXX It's just frustrating when I dispute and get the issue resolved just to have it return as a " new '' collection within the next month. My credit keeps taking hits because of this. 

*I 'd also had the same issues with XXXX  but the amounts were assigned to a different collection agency ( they havent been reported again after dispute ) * **The same information is being reported to XXXX as well**
Product: Vehicle loan or lease

1 i requested the Payment History the amount indicates XXXX

2. On XX/XX/2024 I spoke with Credit Acceptance which representative informed me the amount past due is {$11000.00} which is about 141/2months.

However XXXX XXXX and XXXX XXXX both agencies are reporting 24 months late that would total XXXX.
Product: Credit card or prepaid card

I have a capital one venture card that i use as my main credit card. They recently made a change to their security so that I can no longer use third part transaction montoring and payment applications. I have about three different services that use, that do not work now b/c of the change. Given it is my account and my money that I'm spending and they are collecting pleanty of fees, I think they should allow their customers full access to the data and payments whenever and however we would like.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed a series of inquiries that I do not recognize, for which I have already disputed with the credit bureaus. However, they have not provided me with the information that could validate them, which has led me to file this complaint for their removal, as they are incurring in violations of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions. 

inquieies : 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 XXXXXX/XX/year>
Product: Debt collection

To Whom It May Concern : I have received a letter claiming that I owe a debt to CAINE & WEINER CO. Since this is in error, I request that you send me the following proof as you are obligated to do in accordance with the Debt Collection Practices Act, section 1692g. 
You have 30 days to provide full verification of this item, This entry have cause me a lot of difficulties to obtain a home mortgages. 

Thank you in advance for your quick responds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the XXXX time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was called on XX/XX/XXXX by a notifier representing XXXX XXXX law firm that paperwork was mailed to me and was calling to confirm paperwork was received by me. I asked them what this was regarding, and the representative said it was for a case represented by the law firm. The representative asked me to verify the address, I refused and I asked the number of the law firm so I could get more information. I then called the law firm on XX/XX/XXXX, they told me that they were a broker representing Chase Bank looking for request for judgment or mediation on a case open against myself. They told me I owed {$1500.00} and if I went to court I would owe {$4100.00} plus lawyer fees. I asked them when was this account from, they told me from XXXX and it went to collections and they gave me the card number. I told them at that time I did not have an account open with Chase Bank and I have had multiple credit check from XXXX until now and that specific account had never shown up on my credit report. They told me that XXXX had to remove it in order to send it to litigation and therefore I would not see it. I told them that I have not received anything in the mail and they then said they could email it to me. I told them I would be waiting for their email and verified mail paperwork before I make any decisions. I now see this is fraud because a lawyer must send paperwork via USPS and not via email if this was a open court case with the county I live in. I also check online via my county website to see if I had open cases against myself and the search came up with no cases against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Debt collection

Submitted a complaint through the XXXX XXXX XXXX and advised this company they have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, You XXXX XXXX. You have violated the FDCPA XXXX and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. I have not given you written permission to put anything on my credit profile 15 USC 1681b2. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. Account # XXXX Failure to respond satisfactorily with deletion of the above referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1.00} per violation. They ignored my request of cease and desist which is willful infringement and advise me the balance due was not owed to them, and was owed to the original creditor but are coming after me to pay them for alleged debt they confirmed was not owed to them. That is false and deceptive practices and I demand this be removed from my credit report or Im seeking remedies for each violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 inquiries I need removed to start building my credit that I had no part of and never gave any permission to do anything with my information at all XXXX XXXX-XXXX, VA ( XX/XX/XXXX ) Jpmcb card-XXXX, De ( XX/XX/XXXX ) XXXX XXXX-XXXX, PA (XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To whom this may concern I have recently received my credit reports and I am writing this letter to dispute the following account : XXXX XXXX  and XXXX XXXX XXXX. I did not give anyone permission to sell my information to any company and due to this being listed as a collection they have violated several laws by purchasing my information without my consent and they have not provided proof of contact stating permission was given. These credit agencies and this collection agency XXXX XXXX  and XXXX XXXX XXXX are both in violation of 15 USC 1692g as well as FCRA1681, Section 609. Section 610, Section 611. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt by law it is required for me to do so not verified as your company keeps stating. I do not validate this debt. I must be given the original contract with my signature on it. Therefore, the following account must be deleted from my report as required by law. Failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This company has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 C & 1099A from the accounts that has been charged off. ( 1099 OID ) The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud. The company XXXX are supposed to show proof of this account being verified which is required by law. According to 1681 ( i ) a the law states that before your investigation is completed the item in dispute must be deleted for my report. The item was never deleted before the investigation is complete. This not happening was also a violation of the law. I do not consent to a computer-generated response nor the E-Oscar system, show valid proof.
Product: Credit reporting or other personal consumer reports

hi i went over my credit report and i found out i have inquiries and collections accounts i called the reporting agencies and let them know the inquiries and negative items/collections/charge off in the document included below are not supposed to be visible on my consumer report. I NEVER gave them written consent to report them Pursuing 18 U.S. Code 1028A - Aggravated identity theft U.S. Code ( a ) Offenses. 
( XXXX ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
Product: Credit card

I applied for a capital one journey credit card online on XXXX XXXX 2015 and was immediately denied for approval. I reached out to Capital One to inquire the decision and was informed I could not speak with lending agent. I asked manager onsite with Capital One and asked why was I denied because letter that was emailed stated credit report invalid and missings information? The manager said they was unable to pull a copy of my credit report from XXXX XXXX. I informed manager I called XXXX XXXX and they show not only the inquiry on my report but they sent me the report they pulled and saw. I asked the Manager to please uphold fair lending laws. I also informed them I work for XXXX and I am aware of the law and I would file complaint because I was violated. Please investigate this process.
Product: Credit reporting or other personal consumer reports

I was victim of identity theft. Reporting agencies failed to investigate the information and accounts properly. Failed to properly validate the debt. Failed to obtain a signed contract linking me to the debt. I have never signed a contract with the accounts in question.
Product: Credit reporting or other personal consumer reports

Please delete and remove all late payments. You are violated my rights and breaking the law. if you do not remove all missed or late payments. Litigation lawyer will be my next step. I have spoke with an attorney and he is willing to advise if I can not get resolved by you following the law. 15 U.S.C. 6802 is a section of the United States Code that deals with privacy protections under the Gramm-Leach-Bliley Act ( GLBA ). This section specifically addresses the obligations of financial institutions to respect the privacy of their customers ' nonpublic personal information ( NPI ). Here are the key points of 15 U.S.C. 6802 : 1. **Notice Requirements** : Financial institutions must provide clear and conspicuous notices to their customers about their privacy policies and practices. This notice must be given at the time of establishing a customer relationship and annually thereafter. I received no clear and suspicious notice about your privacy policy. You indicated that you send a letter to my home 1 month later with a welcoming letter indicating such. You did not send nor did I receive any letter. According to the law I was to be presented with this information at the time of the sale and annually. None of this occurred. 

XXXX. **Opt-Out Right** : Customers must be given the opportunity to opt out of having their NPI shared with nonaffiliated third parties. This means that before a financial institution can share NPI with nonaffiliated third parties, they must provide customers with a way to opt out of this sharing. I told sales person at the time of purchase that I do not want my business transactions sent to a third party ( agencies ).

3. **Exceptions** : There are several exceptions to the opt-out requirement. For example, financial institutions can share NPI without providing an opt-out option for purposes such as : - Processing and servicing transactions requested or authorized by the consumer.

- Maintaining or servicing the customer 's account. I did not authorize for my servicing transactions to be sent to any third party. 
- Complying with legal requirements. 
- Preventing fraud and unauthorized transactions. 

4. **Disclosure of Privacy Policy** : Financial institutions must disclose their privacy policies and practices regarding the sharing of NPI with both affiliates and nonaffiliated third parties. This includes categories of information collected, categories of information disclosed, and categories of third parties with whom information is shared. I did not authorize for my servicing transactions to be sent to any third party.

5. **Compliance and Enforcement** : The Federal Trade Commission ( FTC ) and other federal regulatory agencies are responsible for enforcing compliance with these privacy protections. Financial institutions that fail to comply with the requirements can be subject to penalties and enforcement actions. You have failed to comply with the requirements and laws that protect clients from bullies like you. I request that the missed payments are deleted and removed immediately.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the 3 credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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

I have approximatley XXXX dollars deposited with the investinganking app Robin Hood . About XXXX  months ago there was some un authorized access and attempted transactions on my account so Robin Hood froze my account and asked me by email to send in documents verifying my identity such as statements, drivers license, etc. I sent them everything they asked for and they say they dont need anything else from me. They recieved all the documention over a month ago and over these past few months I have contacted them at least XXXX times asking for my funds to be made available to me.I still dont have any access to my funds. I called again last night and the lady told me the same line that they have been telling me for months " that a review team is looking over it. '' She would not explain to me what is going on and would not give me any indication of how much longer they planned on holding my money XXXX. I did a little research about the company and what i read has me very nervous and stressed out. Some people are saying that it is a scam company and I dont know what is the truth, when i ask questions i get hung up on by them like last night. Please help me get my funds back from them. The way they just hang up on me like my concerns dont matter has me very nervous. I have completed everything the asked of me months ago so everytime i call now its the same " review team '' story and then i get hung up on. They dont even have a customer service number i can call, i have to communicate throught the app, and most of the time they wont respond to my cal request. thank you for your time
Product: Credit reporting

I opened a XXXX credit card account around in 2010 and I believe XXXX merited with XXXX XXXX. My XXXX MasterCard were paid in full and closed before I there were transferred to XXXX XXXX. At this time XXXX again Experian Credit Bureau is reporting my XXXX XXXX accounts with negative information. I reached out to XXXX XXXX and they stated that they will contact the reporting agencies again with the positive information.
Product: Credit card

A credit card has been opened through my information and {$36000.00} has been spent on this credit card. This has now lowered my credit score XXXX points. I have never opened a credit card through American Express and have no way to access or freeze this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 XXXXXXXX
Product: Checking or savings account

I closed my Keybank account on XX/XX/XXXX. To my surprise, my credit report through XXXX XXXX shows that the account remained opened until XX/XX/XXXX. The report shows that it was overdrawn 2 times on XX/XX/XXXX & XX/XX/XXXX
Product: Credit card or prepaid card

When I pay extra money ( above the monthly minimum due ) the money does not go to the purchase that will incur interest charges first.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed unauthorized inquiries that appear on my credit report. Unfortunately, TransUnion has not removed. TransUnion has not provided any proof that I initiated these inquiries or that an investigation was even conducted. The unauthorized inquiries are as follows : Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXXXXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Final demand to Experian : Remove unverified XXXX account or face lawsuit for FCRA violations ( 15 U.S.C. 1681i, 1681e ), daily damages, defamation, and financial harm. 5 days to comply or legal action begins.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with XXXX XXXX Code XXXX - Procedure in case of disputed accuracy, and XXXX XXXX Code XXXX ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : *Account Name : XXXX XXXX XXXX *Account Number : XXXX