23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a credit alerted in XX/XX/XXXX from XXXX that Portfolio Recovery added a collections to my account for {$1200.00}. I have no idea what it could be for and feel it's related to the time my Identity was stolen. I have frozen my credit file before in the past to avoid fraud after several accounts where open in my name. I contacted the collection company in question and was told that the account was originally opened with XXXX Bank in XXXX but purchased by Portfolio Recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get this resolved on several occasions. XXXX does nothing with the dispute process. I have written letters and still have not gotten any resolution. I have been informed that LexisNexis is reporting the wrong information to XXXX. I have tried to do a dispute through LexisNexis and still have not gotten any resolution. This tax lien that appears on my XXXX credit report is an error. I have provided documentation to support that but they still refuse to remove it.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report To : TransUnion Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

I recently reviewed my credit report and noticed an account that was not reporting accurately. Specifically, I had 1 late payments on an account ( XXXXXXXX XXXX XXXX XXXXXXXX ) that, in fact, were paid on time. Credit reporting agencies are required to report all information with complete accuracy. This account has never been late on payments. 

I have attached a copy of my report highlighting the disputed payments on the following dates : ( XX/XX/year>XXXX  ). I kindly request that you investigate this account and update the payments to " paid on time '' immediately. Thank you for your understanding and prompt action. 

Additionally, I request that you provide a description of the procedure used to investigate and verify this account. If you can not update the payment status to reflect " on time, '' please provide the required documentation and explanation. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 

I have identified discrepancies in the reporting, and it appears that there may be a violation of the Fair Credit Reporting Act ( FCRA ). The reported late payments on the aforementioned account are inconsistent with my payment history. To the best of my knowledge and records, I have consistently paid this account on time and in accordance with the agreed-upon terms. 

Per 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely related to transactions or experiences between the consumer ( me ) and the entity ( you ) making the report. Payment history, including the reported late payments, negatively impacts my consumer report and is considered part of my transactions and experiences with your company.

Furthermore, I am requesting that you provide me with a written explanation of the reasonable procedures [ according to 15 U.S.C. 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Please also include all the information required by section 1637 ( b ) of Title 15.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is reporting the incorrect address. I have attached documents stating the specific information I am disputing, the nature of the dispute as well as documents to verify who I am and my only address.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

My debt was sold to two third parties. It was sold to borrower XXXX. I was never contacted by this company nor notified about any debt from this company. I did not personally provide them with any of my personal information. I am requesting a validation of the debt, I am disputing the debt because I do not have any business with them nor had any prior communications or knowledge with this company. I do not have a contract with this company. I need for this to be deleted off of my credit report.
Product: Credit reporting or other personal consumer reports

According to IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off accounts listed below. Capital one account number XXXX and XXXX. After checking my most current report, the updated information stated the account was purchase by XXXX, XXXX, PA -this account can not be reported as charge off on my credit report the account was sold to another lender. Please send me the 1099-C form.
Product: Debt collection

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXXXXXX XXXX XXXX XXXXXXXX # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX # XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX XXXX XXXX # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX date opened XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

I had a transaction on XXXX for XXXX for {$270.00}. It was pending and they deducted from my account. I had canceled my order. XXXX gave me authorization code. XXXX. The transaction disappeared but the money wasn't put back on my card. I've been trying for 8 days to reach direct express to resolve this issue. No matter what time I've called not able to talk to anyone. Not sure what I'm suppose to do.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX  Date opened XX/XX/XXXX - Account number XXXX XXXX XXXX Account number Date opened - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number - XXXXXXXX XXXX XXXX Account number - XXXX XXXX Account number - XXXX XXXX Account number - XXXX XXXX Account number XXXX XXXX XXXX Account number - XXXXXXXX XXXX XXXX  Account number - XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  Account number - XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  Account number - XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  - Account number XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX - Account number XXXX XXXX XXXX INQURY : XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXXXXXX : XXXX XXXX, XXXX XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX Inquiry : XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. 
15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block
Product: Debt collection

AVANTE USA has issue a hard credit on my XXXX Report that is not my Accounts, Supposedly from XXXX XXXX XXXX, I Filed Bankruptcy in XXXX, and they recently did this i have not been in that place in 10yrs, and what was on my report, i payed everything off, They have me mixed up with someone else! That said in was in XXXX XXXX! NO WAY!
Product: Debt collection

I received a letter from this company dated XX/XX/2022. This company have violated my consumer rights pursuant 15 USC 1692c ( a ) and ( b ). This company did not have my prior consent to communicate with me regarding this alleged debt. This company did not give me the right to dispute nor provided me with enough information to verify this debt. 
A cease and desist and debt validation was sent to this company on XX/XX/2022. This letter was delivered to this company XX/XX/2022. 
Tracking number : XXXX.
Product: Debt collection

On XXXX XXXX, 2016 I wrote to Transworld Systems Inc at XXXX XXXX XXXX XXXX XXXX and informed them that under the Fair Debt Collections Practices Act that I did not want any further contact from them. Then on XXXX XXXX, 2016 I received a letter from them including attachments. This letter is still demanding payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT WAS APPLIED FOR WITHOUT ME KNOWING
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX real estate companies have been reported on my XXXX XXXX i would like it to be closed and cleared as paid off and al funds returned to me via my XXXX  account per 12 USC 1813.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries from XXXX has been made 4 times on my account without my knowledge! And once from Chase without my knowledge. Please advise!
Product: Mortgage

My mortgage originator lied to me about the terms of my mortgage causing m to start my refinanced mortgage behind by a month. Then I was hit by Hurricane Helene and unexpected expenses, so I was unable to make additional payments. Village Capital advertised that there was a special help line for hurricane victims. This was not a group of assistance counselors as advertised. Instead it was their capital loss department. I called the help line to arrange a plan to make up my missed payment. They rushed me through a questionnaire without telling me they were doing a personal expense estimate - I thought they were asking about my hurricane related expenses. Then the agent suddenly declared there was nothing they could do to help and my mortgage was now in default! I told them I was awaiting a XXXX disaster loan because funding had lapsed, but I would be able to catch up soon. They didnt care and said they would start foreclosure proceedings. This was all out of nowhere for me. I scrambled to pull together an extra mortgage payment, and now Village Capital is refusing to accept my payment. The delay is completely disrupting my ability to pay other bills.
Product: Debt collection

I mailed a request for validation to Asset Acceptance , LLC on XXXX/XXXX/15. The return receipt card indicates that this request letter was received by Asset on XXXX/XXXX/15. In my XXXX/XXXX/15 letter I specifically asked that Asset provide me with an explanation of how the alleged balance was calculated, proof this debt was not time-barred and a copy of the original account level paperwork that contained my signature. Asset 's response letter was sent just one day after receiving my letter and is dated XXXX/XXXX/15. Not only do they fail to provide the requested information, but they ask that I provide them with a copy of the contract and a copy of the bills or statements that show the amount owed or rates. If I am asked to provide them with this information then I can only presume that they do not have this information in their possession. My second request for validation was mailed to Asset on XXXX/XXXX/15 and the return receipt cards indicate that this request letter was received by Asset on XXXX/XXXX/15. In my XXXX/XXXX/15 letter I specifically ask for proof that this alleged debt was assigned to Asset. Asset responded a second time on XXXX/XXXX/15. I am not sure how Asset was able to respond prior to their XXXX/XXXX/15 receipt of my letter. Asset 's response letter of XXXX/XXXX/15 appears to be an exact duplicate of their XXXX/XXXX/15 response and does not provide the information that I requested. Asset Acceptance , LLC is Asset Acceptance XXXX XXXX main revenue generating subsidiary XXXX By way of Consent Order in the matter entitled USA Consumer Financial Protection Bureau, File No. XXXX, In the matter of Encore Capital Group XXXX XXXX, et al dated XXXX/XXXX/15, Asset was has identified as having violated Sections XXXX XXXX a ) and XXXX ( a ) ( XXXX ) of the Consumer Financial Protection Act of 2010 XXXX " XXXX '' XXXX, XXXX U.S.C. XXXX XXXX a ) and XXXX ( a ) ( XXXX ) ; Sections XXXX ( a ) ( XXXX ), XXXX, XXXX ( XXXX ), XXXX, XXXX ( XXXX ) ( A ), XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ) of the Fair Debt Collection Practices Act ( " FDCPA '' ), XXXX U.S.C. XXXX ( a ) ( XXXX ), XXXX, XXXX ( XXXX ), XXXX, XXXX ( XXXX ) ( A ), XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ) ; Sections XXXX ( a ) ( XXXX ) ( XXXX ) and XXXX ( b ) of the Fair Credit Reporting Act ( " FCRA '' ), XXXX U.S.C. XXXX ( a ) ( XXXX ) ( XXXX ) and XXXX ( b ). Under sections XXXX and XXXX of the XXXX, XXXX U.S.C. XXXX, XXXX. In this matter, it was found that Asset had questionable debt buying practices, did not properly investigate consumer disputes, collects debts without a reasonable basis, collected time-barred debt, etc. Asset has not provided me with the charge-off balance or their method of calculating any amount in excess of this balance. I believe that Asset has demonstrated many of the behaviors towards me that are outlined in the Consent Order and that they can not substantiate their representations. Asset has not conducted a reasonable investigation of my dispute, despite multiple requests.
Product: Credit reporting or other personal consumer reports

Last 4 digit of social security : XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX I, XXXX XXXX, didn't give the right to pull my consumer report. There isn't any written permission from me. I want the inquiries deleted from my consumer report. 
So, if you said I gave you permission, but I am asking, you know, for the document, where 15 USC 16 ad one b two says that I gave you that written permission and you can not provide a document. That equals identity theft.

Under 15 U.S.C. 1681n - U.S. Code - Unannotated Title 15. Commerce and Trade 1681n. Civil liability for willful noncompliance, it says : " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had an collection account added to my credit report and I do not have no knowledge of this collection account
Product: Credit card or prepaid card

A balance transfer in the amount of {$1000.00} was supposed to post to the account from XXXX XXXX XXXX XXXX to this account. The balance transfer never posted and XXXX XXXX advised the payment was sent electronically in XXXX and that citi bank needs to verify the payment.
Product: Credit card

On XX/XX/XXXX opened a citi XXXX  credit card and requested a balance transfer for XXXX % promotional XXXX XXXX pay off {$2900.00} of XXXX XXXX XXXX XXXX credit card. Noticed the balance transfer was approved on XX/XX/XXXX but a week later the funds still were not credited to my XXXX XXXX credit card. I realized I made a mistake and put an expired credit card number and not my current XXXX card number into the transfer. Contacted XXXX XXXX they stated the have no money from Citibank in my name XXXX XXXX. Contacted Citibank they said money was accepted by XXXX  on XX/XX/XXXX and there isnt anything they could do but they opened a further investigation. Today ( XXXX ) recieved letter from citibank that since transaction went through they cant do anything about it and to contact XXXX XXXX to resolve. Called them got transaction Id number and XXXX still states they have no funds recieved in my name and nothing found for that transaction number and nothing they can do. Both banks saying nothing they can do but meanwhile now they both have my {$2900.00}. So now XXXX ever further in debt for no reason. Help! 
Credit card is in maiden name XXXXXXXX XXXX  transfer was made to XXXX XXXX and my name was already updated with the actual XXXX XXXX XXXX just not the credit card company yet. Just for further reference
Product: Checking or savings account

our business account with JP MORGAN CHASE BANK was permanently closed by the bank and they were suppose to send us a check for the balance amount in our account via mail within 10 days. we tried to contact them but the bank says that our account is under investigation and there is no time limit to when the decision will be made. 
its been more than 5 months since the account closure. 
We have called and emailed so many times but no one replies. all they say is " THE ACCOUNT IS UNDER INVESTIGATION '' and they can not tell us anything else. 
OUR business has been destroyed because the amount in the bank was of our clients and we are ruined financially due to this action. 
kindly help us resolve this situation so that we can receive our clients money.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request a thorough investigation and verification of my account.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report Despite my submissions Transunion consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes Furthermore Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts in question are the following XXXX XXXX XXXX XXXX paid and closed XXXX XXXX XXXX identity theft one XXXX XXXX XXXX  identity theft as well current was paid and closed
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows hard inquiries as follows that I have not consented to and should not appear on my credit reports. 

CREDITOR DATE OF INQUIRY CREDIT BUREAU XXXX XX/XX/2020 Transunion XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX  XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information my file. The items I need to delete are listed in the report. I am victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, how is it that the bureaus keep letting this happen