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

I recently received a copy of my XXXX and XXXX credit report and I notice there is an unauthorized credit inquiry made by : XXXX XXXX XXXX XXXX XXXX XXXX, GA  XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA,XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX, XX/XX/XXXX, Jpmorgan Chase Bank XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Credit Bureau XXXX XXXX XXXX XXXX Mail Coded : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , NC XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XX/XX/XXXX. 

I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. In addition, the creditor that provided documentation for credit inquiry to give authorization to review my credit worthiness. Did not provide an opportunity for me to clearly understand what I agreeing to. The credit inquirer 's authorization form was too complicated and not easily understood in language I would understood. I am requesting you initiate an investigation into : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and Jpmorgan Chase Bank inquiry to determine who requested this credit inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts below are in violation of my rights. The credit bureaus XXXX XXXX Experian have been reporting inaccurate and incomplete information on my credit profile. I also filed a complaint with the FTC should they continue their non compliance, they shall be liable. Wenger v Trans Union., No 95-6445 ( C.D. Cal. XX/XX/XXXX ) credit reporting laws are to ensure that bureaus are reporting 100 % accurate information so the following accounts need to be investigated, I respectfully request to be provided proof of the alleged accounts such as the original application, contract, note or other instruments bearing my signature. Failing to do so, the accounts must be deleted from my report as soon as possible. Under federal law, the bureaus have 30 days to complete the investigation and I hereby request accuracy and completeness of the procedure. Can you please provide that information in 15 days? XXXX XXXX and Experian is in violation of 15 U.S.C. 1692g. They were to notify me 5 days prior and I was not notified. As the original creditor, only I can validate this debt and I did not validate it. Therefore the accounts must be deleted from my credit report. 


Account info Account name XXXXXXXX XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXXXXXX  Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XXXX XXXX. 

Account info Account name XXXX XXXXXXXX XXXX  Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXXXXXX  Status Paid, Closed. 
Status updated XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent out a letter to XXXX XXXX, Equifax and XXXX, notifying them that after checking my credit report there were several inaccuracies being reported of late payments. I requested they validate the information and provide me with copies of any documentation. After receiving no response after 60 days I sent a 2nd letter on XX/XX/2020 demanding to follow up. I still have yet to receive any validation or proof of an investigation or investigation method.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  Amount XXXX I reached out to this company asked for a debt validation they than sold the debt to another company I put in a dispute and got that company removed from credit report which was XXXX XXXX XXXX, I recently disputed this with the credit bureaus and they verified the account in less than 24 hours I dont feel the credit bureaus did a proper investigation.XXXX XXXX  has this one account reporting on my credit report 3 times,
Product: Credit reporting or other personal consumer reports

I recently noticed that Discover Financial Services performed a credit check ( hard inquiry ) on XX/XX/year>, and XX/XX/year>, without my permission. These two hard inquiries are reflected in my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Do to the epidemic I have been effected and unable to work since XX/XX/XXXX to now XX/XX/XXXX. @ at one point XXXX, On XX/XX/XXXX I paid my XX/XX/XXXX payment on XX/XX/XXXX and included my {$30.00} late fee a total {$1000.00}, Since XX/XX/XXXX to now XXXX has been harassing me with phone calls all hours of the day and night as well refuses to recognize my XXXX 's, I tried talking withy them ask for a fortberence/releaf and stop calling me and harassing me as our conversations go no were Quote : they said my account must go basically 90 days in the rear before asking for such, Iam not even 30 days late referring to grace period to grace period.
Product: Mortgage

Lenderlive has admitted to paying out almost {$1600.00} from our Escrow balance to the wrong Insurance company. Since then, and before we noticed the error, our loan was sold to another servicer. Now that servicer shows our escrow short, and is increasing our payments. 
I contacted Lenderlive on XX/XX/XXXX. They had the correct insurance company, amount and status listed, but acknowledged paying someone elses Hazard insurance. I was supposed to get a call back. By Friday XXXX, I called again. The supervisor had yet to start their shift and I was promised a call back, but XX/XX/XXXX or Monday XX/XX/XXXX. Still nothing. This money was essentially stolen from us and we are waiting for them to reimburse us or our new mortgage servicer ASAP. This money is in their hands somewhere since the other persons escrow most likely has an overage. This is the second issue I 've had with Lenderlive.
Product: Money transfer, virtual currency, or money service

I was involved in a XXXX XXXX crypto currency scam which began in XXXX, XXXX. The girl claimed to be in gold currency exchange. She was going to help me in the investing. She worked me through a process where I wired money to an app online called XXXX. In the XXXX account. The first wire transaction was from XXXX XXXX  account to XXXX on XX/XX/XXXX for {$5000.00}. There it was converted to crypto currency and transferred to the scam website XXXX where I made gold currency exchanges. I was prompted to add more money to the account by the scammer. I wired another {$10000.00} from XXXX to XXXX on XX/XX/XXXX. Again, in XXXX it was converted to crypto currency and transferred to the scam trading platform. Eventually after success I was prompted to add more money. Fearing I was caught in trouble or a scam, I attempted to withdraw a small amount of money from XXXX  to make sure it would go through. The transfer occurred XX/XX/XXXX for {$580.00}. After the success of the transfer, I was more trustful and attempted another wire transfer to XXXX around the date XX/XX/XXXX. I learned that the XXXX account was locked and they were requesting information where the money was coming from/going to. I attempted to give them information and was met only with the cancellation of the account. I could not get their customer service to speak to me as to why it was closed. Wrongly believing it was closed because I was not utilizing the account enough, I was prompted to set up a similar account with crypto dot com app. I set up the account and wired {$20000.00} from XXXX on XX/XX/XXXX. From there it was converted to crypto currency and saved in their XXXX online wallet. From the wallet it was transferred to the scam website. Ultimately I was prompted to add more money and no longer believed I was working with a legitimate source. I attempted to pull my money out of the scam site and upon doing so, their " customer service '' told me to wire an amount worth 10 % of all the money I " earned ''. At that point I began the process of reporting the scam to every agency I could. I was most recently prompted to inform XXXX to see what they could do. After speaking with them, they informed me they couldn't do anything to recall the money transfers. I have not attempted to reach out the XXXX or the Cypto businesses.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX  XXXX sent a letter off on XX/XX/year>. I requested the credit bureaus to investigate every piece of information on the accounts I have listed below. 

According to the FCRA, the term " investigate consumer report '', means that a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other whom I am acquainted or who may have knowledge concerning any such items of information. 

The bureaus stated that my accounts were verified but how is that possible when they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate. 

According to the FCRA 15 USC 1681, all information reporting to the credit bureaus must be 100 % accurate. I have the credit report showing the inaccuracies. 

Listed 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 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

This is to formally advise Transworld Systems , Inc. that I believe your company has violated my consumer rights in the following ways. Please keep in mind that this is my second notice including my certified letter, and I have had no correspondence back from your company. 

Specifically, you : - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation XXXX Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my cease and desist- FDCPA violation Not only have you ignored my prior requests for validation of debt, but you also continue to report this debt to the credit bureaus causing damage to my character. The amount that is being reported to the credit bureaus is not the same balance that I have with the original creditor. This letter will again request that you follow guidelines of The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 and please provide the following : Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Provide me of the amount of which the debt was purchased. Per the CFPB, I have this right as a consumer. 

-Contract bearing my personal signature -License proof to collect debts in my state As you certainly are aware, " Admission by Silence '' means that you had a legal duty to defend your position but failed to do so and if my claims were untrue, you would have been compelled to deny my charges. I will use the Admission by Silence in my defense should I be summoned to court or take action against you. 

I expect to receive proof requested above, within 15 days of this letter. Should you continue to ignore my request for this validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Product: Money transfer, virtual currency, or money service

About a year and a half ago I was scammed out of a little over {$1000.00} through Zelle due to a job scam. I was avidly trying to get a XXXX XXXX XXXX XXXX and these people fronting as a company sent fake checks in order to purchase the equipment for me to work. If ZelleXXXX  XXXX XXXX had the proper safeguards at the time it could have been caught early or even prevented. XXXX did eventually catch on to the fraud, but by that point I was scammed out of over {$1000.00}. They ended up putting me on a payment plan and claimed they see this scam all the time, but had no safety features in place yet ( which seems like an oversight ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX ( Account # XXXX ) has violated my rights. 15 U.S.C. 1681 section 602A. states I have a right to privacy. 15 USC 1681 section 604A : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I filed for a loan modification with Chase sometime in XXXX and Iwas called several times by Chase for the same documents overand over again. Then when all my documents were finally in andwent to be processed, I was denied a modification. I lost myjob, so I am not earning the money I use to make, but I amemployed or underemployed as the bank likes to call it. I do n't feellike I was helped enough, but given a rushed solution of doing ashort sale. I want to stay in my home if possible. Thank you.
Product: Checking or savings account

I opened a checking account in XXXX XXXX with a promo that would give me {$200.00} bonus. It has been 6 months and I have not received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

i ave many inquiries n my reports all 3 that i do not recognize and want them removed, but the Bureaus refuse to remove them
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( 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. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 

I demand that the following account be validated or DELETED immediately : I.C. SYSTEM, INC with account number XXXX REF # : XXXX need to see the docs that the creditor sent to you that were used during the investigation to make the determination that this account is accurate. No proof? Then you can not report. 
In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Vehicle loan or lease

Somebody fraudulently obtained an auto loan in my name I reached out to the company instead of helping me theyre trying to collect on the loan!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Fed Loan Servicing 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 : States a consumer reporting agency can not furnish a account without my written instructions.

I was promised the late payments on all my Fed Loan Servicing accounts would be removed from credit report by a representative of this company because I am still in school. This company has violated my rights and have not honored their promised as agreed upon.
Product: Credit card or prepaid card

Good morning, My issue is with the company Capital One. I closed my account back around 4 months ago. I had missed one payment, my payments went up astronomically. So I closed my account and continued to send in my minimum payment, as that was all I could afford. I noticed on my statement they were still charging late fees and interest for purchases! The account is closed. Ive suffered financial hardship, explained that to two customer service representatives. They are making it VERY to pay off a balance! My monthly payment for XXXX is {$64.00} but the have added {$40.00} in interest on purchases. This is horrible! My credit has always been in good standing! I expressed that I was a contractor and had lost my position and they simply dont care! The account is closed! Someone please help!
Product: Credit card or prepaid card

I have been making phone calls to City Bank and for some reasons these calls are dropping off without notice in the middle of waiting for the costumer representative to come back to me with a response. 
There are two charges on the same amounts of {$240.00} on XX/XX/2022 on my credit card statement. 
I have contacted Home Depot and they showed me that this receipt appears only once on their system. They suggested me that, it is probably on City Bank account double entered.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX  Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX  XXXX  Date of Inquiry XX/XX/year> XXXX  XXXX  Date of Inquiry XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. 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. I am writing this letter to dispute the following XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX. XXXX XXXX XXXX Account XXXX. XXXX. XXXX XXXX XXXX Account XXXX. XXXX. XXXX XXXX XXXX Account XXXX. XXXX. XXXX XXXX XXXX Account XXXX. This agency is in violation of 15 USC 1692g. 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. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 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 : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Credit reporting or other personal consumer reports

Child Support Enforcement : Account XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of this debt. I previously sent a written request for validation, including a request for a wet signature, which was received by your office on XX/XX/XXXX. However, to date, I have not received the requested validation. 

Furthermore, I believe that your failure to provide the requested validation constitutes a violation of the FCRA. The FCRA requires that consumer reporting agencies, such as Experian, follow reasonable procedures to ensure the accuracy of the information they report. By failing to provide validation of the debt, Experian is not meeting this requirement.

Please be advised that I am requesting the following information as part of the debt validation process : Verification of the debt, including the original creditor, account number, and date of the debt. 
Proof of your authority to collect this debt. 
A complete payment history, including the original balance, any interest or fees added, and all payments made. 
A copy of the original signed contract or agreement related to this debt. 
I request that you provide this information to me within 30 days of receipt of this letter. If you are unable to provide the requested information, I request that you remove the disputed item from my credit report in accordance with the FCRA. 

This is hindering my life progress
Product: Credit reporting or other personal consumer reports

The inquiries i have listed should be removed, this can't be a factual record I do have file the FTC report which i attached in the complaint this info should be removed in 24 hours otherwise i may take this thing to the court, this not something i going to take light, please help me with this, Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights here are the inquiries which i have on my Equifax report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX Balance : {$540000.00} XXXX  XXXX Balance : {$0.00}