23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The account with XXXXXXXX XXXX card is showing on my Experian credit file as written off n charged off with a balance of XXXX dollars I called n asked for a 1099 c form I was told that it wasnt written off n they are reporting inaccurate information I would like this account removed asap per FCRA laws it was updated on my file XX/XX/year> account number XXXX premier bkcrd/ first premier please remove or I will repot the company to the irs n sue its on my XXXX XXXXXXXX XXXX n Experian file please remove the call was recorded n which I told the agent
Product: Checking or savings account

XXXX. On XX/XX/2023 a {$20000.00} payment was deposited to my Chase bank account. 
XXXX. A month or so afterwards when I tried to use {$20000.00} by transferring them onwards- through the bank transfer mechanism. 
XXXX. The transaction was declined and I was instructed to make it again 4. This happened 4 times and each time they said something different why the transaction did not go through. 
XXXX. Finally they explained that the payment was done to a different name than the account owner XXXX. I explained that it is my husband 's name, and they requested to speak to him to make sure that he allows me to use this money. 
XXXX. Currently my husband lives abroad and doesn't have an American phone number and Chase refused to call him on an intranational phone number. 
XXXX. I asked why they didn't refuse the payment if it was not with the correct name, and they said that the other information was correct. I asked them to refuse the transaction, so the money will be returned to the payer, and they said it is too late for that. 
XXXX. They informed me that the payment is suspended, and that I can't use it. 
XXXX. Then they closed my account, and sent me a check, with my balance minus the {$20000.00}. 
XXXX. Because we had no other option my husband acquired a new XXXX phone. 
XXXX. I called Chase and gave them my husband 's number so they can talk to him and now their answer was that this number doesn't go through their anti-fraud system, and they can't call him on this number. 
I asked them to put XXXX on the line to understand what is the problem with this phone number, but they refused. 
XXXX. All I want is my {$20000.00}. And if they won't let we use it, at least return it to the sender, and they will transfer it to a different account. 

Thanks in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent inquiry someone else tried to use my information in social to apply for credit. This inquiry does not belong to me. Its a fraud. 
The inquiry is XXXX XXXX point address XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX XXXX GA ZIP Code, XXXX phone number XXXX The inquiry, was on XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 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.

The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 2. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : XXXX : XX/XX/XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. Under Section 1681c-2 of the FCRA, I meet all the requirements for a block of the fraudulent information on my report. My identification which is attached to this letter, a copy of my identity theft report which is also attached, the information that I request to be blocked is listed on the FTC report. This information is not related to any transaction of mine. The accounts that are fraudulent on my report are on the FTC report. I have also attached a Notarized letter stating it is in fact me sending out this dispute. I expect these accounts to be blocked and removed within 4 business days in accordance with the law.
Product: Credit reporting

XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX : Unauthorized Credit Inquiry Dear : Equifax, I recently received a copy of my Credit Bureau Name credit report. The credit report showed a credit inquiry by the below listed companies that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter via XXXX because I need your prompt response to this issue. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX CBNA - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX., BEST B - XX/XX/XXXX XXXX XXXX C - XX/XX/XXXX KOHLS/CAPONE - XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX CRED - XX/XX/XXXX XXXX XXXX DEALER XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thank you for your help, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX Account # XXXX, Account # XXXX, XXXX # XXXX and 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under XXXX XXXX code XXXX ( b ) and XXXX use XXXX ( XXXX ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and XXXX! Please take action and remove them from my credit report asap! 

UNATHORIZED INQUIRIES : XXXX  BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX AUTO XX/XX/XXXX XXXX XXXX SERVIC XX/XX/XXXX XXXX FINANCIAL XX/XX/XXXX MB OF XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX VIA DEALER XX/XX/XXXX XXXX FINANCIAL XX/XX/XXXX XXXX XXXX SERVI XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX SC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX VIA DEALER XX/XX/XXXX XXXX  FINANCIAL XX/XX/XXXX XXXX FINANCIAL XX/XX/XXXX CAP XXXX VIA DEALER XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  FINANCIAL XX/XX/XXXX XXXX  FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  FINANCIAL XX/XX/XXXX XXXX XXXX XXXX LP XX/XX/XXXX XXXX XXXX AUTO XX/XX/XXXX XXXX XXXX SERVI XX/XX/XXXX CAP XXXX VIA DEALER XX/XX/XXXX XXXX  FINANCIAL XX/XX/XXXX AUTONATION XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX  XXXX VIA DEALER XX/XX/XXXX XXXX  FINANCIAL XX/XX/XXXX XXXX  COMMUNITY CRED XX/XX/XXXX XXXX  XXXX BANK XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

To Whom It May Concern : On XX/XX/XXXX i went to XXXX XXXX store to buy a cloth, the cashier suggested me to open a credit to save 10 % so i did it. i put the first purchase in the amount of {$58.00} in the credit card. on XX/XX/XXXX, i received a called from credit card company telling me that i did n't make the payment, i explained to her that i never received the credit card or statement that is why i did n't make the payment. i told the representative i would like to make the payment and keep my account with XXXX balance, as we agreed i make the payment of {$58.00}. 
On XX/XX/XXXX, i received a statement with the late fee, i spoke to manager XXXX, she said i have to pay for late fee. due to payment of {$58.00} was on second day of cycle period. she refuse to do anything. so i told her i would not pay any of fee and i ask her to close my account. she said she will. however, she never did. i still got hit with late fee after late fee. 
the credit card company refuse to close my account, just keep hitting me with the late fee and interest charge. as consumer i felt very unfair, i never receive the credit card, never use the card, and I already make the full payment, i should n't need to pay for all the fee.
Product: Credit reporting or other personal consumer reports

I'm upset until now the negative items that i sent to bureaus to investigate and to remove is ignored... Below the items that are misleading until now reported in my credit file. 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 XXXXXXXX
Product: Credit card or prepaid card

I have a credit card with Barclays US. On XX/XX/2020, I purchased a flight with XXXX XXXX XXXX  XXXX to XXXX. I purchased two seats ( my wife and I ) for {$290.00} each ( a total of {$580.00} ). Then, because of COVID-19, the flight was cancelled a couple of weeks later. I paid the charge on my statement of XX/XX/2020 because the charge was not removed when I disputed the charge. Then, on XX/XX/2020, XXXX XXXX reimbursed the total of the charge ( {$580.00} ). This seemed to solve the issue. Then, on XX/XX/2020, Barclay US charged me again for the flights for a total of {$580.00}. I reached out to Barclay US to have this charge removed, but the company refused to do so even though I have already paid for this charge once. I would like this charge to be removed given that this is illegal behavior by Barclay US.
Product: Money transfer, virtual currency, or money service

The appropriate disclosures and notices were not provided on Zelle Via my XXXX XXXX XXXX account.
Product: Debt collection

I TOOK OUT A PAYDAY LOAN A WHILE BACK WITH MYPAYDAYLOAN.COM FOR {$1400.00}. I PAID THEM BACK WHAT I COULD AND THEN IT WENT INTO DEFAULT CAUSE I GOT HOSPITALIZED. THEY LOAN AGENCY TOLD ME THEY WERE OUTSOURCING THE COLLECTION OF THE ACCOUNT TO XXXX XXXX XXXX. NEVER HEARD FROM XXXX AND THEN ALL OF A SUDDEN I STARTED GETTING VOICEMAILS FROM XXXX XXXX XXXX OF XXXX, NY. THEY HAVE CALLED ME FROM SEVERAL DIFFERENT NUMBERS AND GIVE ME NAMES FOF XXXX XXXX AND XXXX XXXX, BUT IT SOUNDS LIKE THE SAME PERSON. THEY HAD ME SO FREAKED OUT CAUSE HE SAID HE WOULD SUE ME FOR THE PAYDAY LOAN. HE ALSO CALLED VARIOUS MEMEBERS OF MY FAMILY AND MY SUPERVISOR AT MY JOB AND KINDA TALKED TO HIM ABOUT ME AND THE DEBT. HE CALLS FROM XXXX, & XXXX EXT XXXX FILE NUMBER XXXX. I HAVE BOTH VOICEMAILS SAVED ON MY PHONE AND I HAVE A LETTER ALSO FROM THEM CONCERNING PAYMENTS. I WAAS STUPID AND PAID TWO MONTHS TO THEM ALREADY THEN DID SOME RESEARCH ONLINE AND IT SAID TO NOT PAY THEM ANYTHING AS THEY WERE A SCAM, AND USING SCARE TACTICS TO GET PEOPLE TO PAY. NO LONGER WILL MYPAYDAYLOAN WORK WITH ME EVEN THOUGH I HAVE TRIED TO EXPLAIN TO THEM WHAT THIS FLY BY NIGHT SCAM IS DOING.
Product: Debt collection

The company called and emailed many times. They call our employees, they call our family at work. We are in commuinication with them in writing only and yet they still call extended family and harass them at work even though they have nothing to do with the business debt.
Product: Credit reporting or other personal consumer reports

Legal action will now be taken as of XX/XX/XXXXXXXX  Not only has these illegal accounts was obtained fraudulenty they continue to still report illegal charge offs/late payments as of XX/XX/XXXX. I have disputed these accounts since the begging of XXXX. This is final warning this is totally illegal for XXXX, Transunion, and XXXX to keep reporting these illegal cards that were obtained in XXXX. Numerous attempts to keep constantly reaching out. My lawyer will be reaching out to XXXX, XXXX, and TransUnion. All of the attempts to settle this has been ignored. Will be looking to sue for compensation and damages based off initial dates this claim was sent. Remove these illegal accounts off TransUnion, XXXX, XXXX. This has been a whole year and this is last warning. It is ILLEGAL for CREDIT BUREAUS to KEEP REPORTING FRAUDULENT ACCOUNTS! 

This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX {$150.00} This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX {$150.00} This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$350.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : $ {$6000.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX ( Original Creditor : XXXX AXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Mohela has been calling me for almost a year now. i have blocked the number and they find new and different numbers to call from. They call multiple times a day everyday and i have explained to them a minimum of 10 times now that the person linked to my cell # is not me. I went through a lengthy process of proving this twice before so they would remove my number and it somehow keeps getting added back into their system. they continue to call XXXX3 times daily all hours of the day, leaving me messages about a debt owed that is not mine. i have asked many times now, proven the number is mine and not the " borrower '' but they keep calling me despite attempt after attempt to stop the calls!!!
Product: Credit card

On XX/XX/XXXX I was notified that there was a hard inquiry on my credit report from CB Indigo ( Bank XXXX ) and again from the same company on XX/XX/XXXX. I called them today, XX/XX/XXXX to inquire on this. They took my information and said they have no credit card applications on file for me. I asked them how they suggested I get these hard inquiries removed from my credit report since they did not pull them and they suggested disputing them.
Product: Credit reporting or other personal consumer reports

They are reporting the wring credit score on my consumer report affecting my loans
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I checked my state license requirements for collection agencies and it states that in order to collect from consumers in this state ( Wisconsin ), you must have a license and be bonded. I sent a letter to your company six weeks ago asking that you provide me with proof that you meet my state licensing requirements. As of today, you have not responded. Because of that, I checked your company name to find out whether you were bonded and whether you have a license to collect in my state, and your company name is not in the system. As of right now, your company is violating my states law, and penalties for violating the law are harsh. If your company does not delete the negative information that is appearing on my credit report due to your illegal reporting within 10 days of this letter, I will have no other choice but to seek legal advice and report your company to the Attorney Generals office, the XXXX XXXX XXXX and the Consumer Financial Protection Bureau. 

Account # XXXX, XXXX, and XXXX Are in violation Not only have you ignored my prior requests for validation of the debt letter will again request that you follow the FDCPA and please provide the following : Validation of Debt Request -Proof that you can collect on a debt in my state -Proof of the date the account went into delinquency -Your Bond ( if required ) in the event I need to seek counsel -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so, therefore, that must mean you agree with me that this debt is false. 

You have violated my consumer rights under the Fair Debt Collection Practices Act These accounts are in violation of : 15 USC 1692c ( c ) Ceasing communication, FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations 15 USC 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing of medical information 15 USC 1681b ( 4 ) Limitation on redisclosure of medical information I am seeking monetary damages for each violation made
Product: Debt collection

I received notification via a credit monitoring service that this company named DIVERSIFIED ADJUSTMENT added a fraudulent debt from XXXX on my credit report. DIVERSIFIED ADJUSTMENT HAS violated my rights under the FDCPA AND FCRA ACTS. This fraudulent debt was previously purchased by IC System and I sued them and won monetary relief for their contribution to defaming my character. I also will be adding the original id theft report along with my complaint I did with the cfpb and result of it being deleted and removed.

I was never notified of this debt in any way fashion or form to request validation before they reported negative information on my credit report. Im seeking immediate monetary relief as well as deletions to all credit reporting agencies not just the major three but all data repositories and data furnishers. Here is also my Debt Validation Request! Dear DIVERSIFIED ADJUSTMENT, I am writing in regards to the collection account DIVERSIFIED ADJUSTMENT reported to the CREDIT REPORTING AGENCIES I have no knowledge of this alleged debt. I am requesting that you provide me with full validation of this account as required by law under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am disputing the validity of this debt and I am requesting that you provide me with the following information : 1. The name and address of the original creditor. 2. The original account number associated with the alleged debt. 3. The date of the alleged debt. 4. Documentation proving that I am responsible for the alleged debt. 5. Itemized statements showing all charges, including fees and interest, associated with the alleged debt. 6. Amount of debt 7. Proof that you are licensed to collect debt in the state that I'm in 8. Proof of the last payment made on this account I am invoking my rights under 15 USC 1681G of the FCRA to request this information, which requires that you provide me with a complete and accurate accounting of the alleged debt. I am also requesting that you cease any and all collection activities until you have provided me with this information. Also if your reported negative information to any and all credit reporting agencies you must removed until a full investigation is complete. If you are unable to provide me with this information, I request that you immediately remove this alleged debt from my credit report and cease any further attempts to collect on this debt. I have no problem suing your company as a whole, along with its companys shareholders, employees, and register agents Thank you for your attention to this matter. Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has repeatly changed the XXXX of alleged 30 day late payment, first it was XXXX and now XXXX. I have the invoice showing that no payment was late in XXXX. Please assist and instruct XXXX XXXX to delete my account as I have refinanced due to the damage caused by their reporting system of reporting and rereporting several times. Thank You, for your office 's assistance.