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

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/year>XXXX XXXX XXXX  XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Product: Debt collection

They contacted my place of employment and gave them information about where they were calling from. In turn, a fellow employee emailed me letting me know that the individual from that specific company had contacted me and had asked me to call them back.
Product: Credit reporting

I discovered XXXX unknown medical collections on my credit report XX/XX/2015. I promptly filed a dispute with Equifax and received a response dated XX/XX/2015 that they had " verified '' both accounts. I then sent out a letter to XXXX XXXX XXXX via certified mail on XX/XX/2015 and it was received on XX/XX/2015, requesting validation regarding both accounts. I have not received a valid response. I sent a follow up dispute to Equifax on XX/XX/2015 and received a letter dated XX/XX/2015, stating that they had again " Verified '' both accounts. Equifax 's refusal to properly investigate is a violation of the FCRA and FACTA
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into the credit reporting practices of XXXX and XXXX. After a thorough review of my credit reports, I have identified several inaccuracies related to the following accounts : XXXX XXXX XXXX XXXX XXXX : Account Number XXXX Upon review, I noticed that critical information such as the open date, the date last active, and the date of last payment are inconsistently reported across the three major credit bureaus. This inconsistency is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report.

Furthermore, I have identified additional discrepancies that I believe warrant immediate correction : Charge-Off Balance Reporting : One of my accounts, listed as a charge-off, is still showing a balance even though it was sold to a debt collector. This is inaccurate reporting, as the original creditor no longer owns the debt. The balance should be listed as XXXX, particularly since I have not received a Form 1099-C for cancellation of debt income, which is required for tax purposes when a debt is canceled. 

1099-C Reporting Issue : In my communications with XXXX, XXXX was informed that I would receive a 1099-C when the statute of limitations expires. However, if the creditor has already reduced their tax burden by reporting the charge-off to the IRS, XXXX should have received a 1099-C to include in my 2023 tax filings. The fact that I have not received this form raises serious questions about the accuracy and legality of the continued balance reporting on my credit report. 

Given the discrepancies and the potential legal ramifications under the FCRA, I respectfully request that the CFPB conduct a thorough investigation into XXXX and XXXX 's reporting practices regarding these accounts. I urge you to ensure that all inaccuracies are corrected, including the removal of any improperly reported balances on charged-off accounts. 

I trust that the CFPB will take swift action to uphold the integrity of the credit reporting system and to protect consumers like myself from the damaging effects of inaccurate credit reporting. 

Thank you for your attention to this urgent matter. I look forward to your response and to the prompt resolution of these issues.
Product: Debt collection

Company is XXXX XXXX XXXX ( XXXX ). 
I have repeatedly asked them to : 1 ) stop calling me until they provided me with proof of ownership of the debt 2 ) provide me with a document trail ( legal trail ) that they do indeed own the debt and are legally entitled to collect it ( date acquired/how acquired/verifiable proof, not just a comment in a phone call ) 3 ) provide a list of payments made since they acquired the debt 4 ) provide a document trail of other third-party companies ( law firms/private collection agencies ) that they have used to collect payment from me and provide full payment statements from those companies 5 ) complete statement of all payments made and any additional charges that were added on to debt 6 ) stop calling me repeatedly throughout the day 7 ) stop leaving empty voicemails or to leave voicemails 8 ) stop claiming that I am refusing to resolve the debt that they allegedly claim I owe to them 9 ) prove that they are not trying to collect on a statue barred debt XXXX XXXX XXXX claim in their phone calls that I am 'refusing to satisfactorily settle the debt in during ( the ) phone call ... '. This is a statement that THEY repeatedly make in the few calls I have had with them. I repeatedly deny during these calls that this is an accurate statement made by me. It is a statement that THEY are making and then claiming that I have said. 
I have not told them that I would not work with them to settle the debt, only that I want legal, verifiable proof that they are legally entitled to collect. 
They have not bothered to send me the documentation. They call from various numbers up to five times or more a day, daily. They have now called me on Sunday at XXXX ( XX/XX/XXXX, XXXX ) which is in violation of legally allowed calling hours : " It is legal for debt collection agencies to call you ... and between XXXX XXXX and XXXX XXXX ( your local time ) on Sundays. '' XXXX has sent one document that looked like someone typed it up on a computer, scrawled out some illegible signature with illegible date. Then photocopied it and mailed it. No court stamps or other identifiable, track-able information on the photocopy that could provide legal traceable verifiable proof. No court that I can contact, no cause number, nothing. 
I feel they are harassing me and trying to bully and intimidate me into making a verbal agreement with them over the phone before they fulfill my legitimate request for legal verifiable documents from them. I believe that the statement they make that I am 'refusing ' the debt is an attempt on their part to coerce me, bully me, intimidate me and indirectly cause me to feel threatened and an attempt to try to take additional illegal actions against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REQUESTED FROM ALL " CRA '' ON ABOUT XX/XX/2021 FOR UPDATE ANNUAL CREDIT REPORT AND ITS BEEN OVER 45 DAYS HAVE NOT RECEIVED ... NOTE : SENT DISPUTE LETTER OF ID FRAUD ACCOUNTS AND UNDERAGE DURING TIME ACCOUNT OPENING ... '' NOT MY ACCOUNTS '' : " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit acceptance shows 180 days late when I'm on time and have made payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items all my credit report it has been well over 30 days and I havent received any investigation results
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX. I do not nor have I ever had a signed contract with this collection agency trying to collect and who are reporting information to my credit report. They did not provide me with the original contract as requested.
Product: Credit reporting or other personal consumer reports

( XXXX, XXXX ), ( XXXX ), ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card at XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ) a personal credit card opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX Account number ( XXXX  ) a personal credit card opened at XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ) a personal credit card opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 
All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested certified and validated letter from their data furnisher on the accounts showing a bankruptcy. TransUnion states the reports are valid and verified by my bankruptcy attorney but fell short of providing evidence of written verification letter from him/her, plus a consent was not provided by me to access information from their so called attorney. I still need a letter of validation from the bankruptcy court and/or data furnisher about the two bankruptcies that appear on my credit profiles. 

Additionally, XXXX is reporting inaccurate information on the same bankruptcy. Has it discharged. 

XXXX states that it was able to validate the bankruptcy with its data furnisher but did not provide me with the name and address of the data furnisher. In the past, they all claimed that the bankruptcy report was from XXXX. I contacted XXXX which wrote that the information was unverifiable and that it would be removed and/or deleted. 

According to FCRA, information must be verified, validated, accurate and fair. 

Please have all 3 bureaus send me certified letter with information of their data furnishers instead of false incomplete and inconsistent claims they continue to make about their credit report data sources. 

Thank you. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed that I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX ; ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, HI XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX HI XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$270.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$230.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00}
Product: Credit card

I reviewed my monthly statement from Citibank for my Sears credit card. I have been a loyal consumer on this card for over XXXX XXXX 
I noticed that a portion of my balance is now being charge a XXXX  % interest rate on purchases. I have not been late on my payments and had no idea that this increase was coming or for what reason. Upon contacting a Citibank representative named " XXXX '' no last name given as he is protected by law. He identified himself as a manager in XXXX. He told me that the FTC had approved this usurious rate increase and that consumers had been notified by mail in XXXX. I never received that letter. 
I am, quite simply, outraged that ANY bank would charge such a usurious interest rate to their customers without notice. That increase is XXXX % over the previous interest rate of XXXX %. When did the US Government begin to allow, nay, encourage, banking institutions to engage in USUSY. That is a very unsavory term with very negative assoicaitons throughout history and yet Citibank is now a USURER with Government permission/approval. 
What can a consumer do? I have spoken to XXXX and he says its legal to arbitrarily increase the interest rate even though I have not been late on a payment.
Product: Credit reporting or other personal consumer reports

XX/XX/year> First Progress sent me a letter stating they would update the reporting ( after I wrote them telling them the reporting was invalid ) they updated with XXXX. The others are STILL inaccurately reporting.XXXX I sent the bureaus the information first progress provided PROVING there should be an update. USPS Certified Mail Number : XXXX. This reporting is a direct violation of my rights and is causing undue financial hardship
Product: Credit reporting or other personal consumer reports

I AM a victim of identity fraud, I have been for a while now. The accounts in question were all created due to identity theft/fraud and must be removed because legally this is illegal to report FALSE INFORMATION PER 15 USC 1681 B. I am giving you all 30 days to resolve this manner or else I will be forced to seek legal action and sue you all {$1000.00} per violation.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining.

"
Product: Credit card or prepaid card

I had 2 credit cards from CitiBank - A Thank You Preferred Card Opened in XX/XX/XXXX and a AAdvantage Platinum Personal Card opened in XX/XX/XXXX. 
Both of the accounts were in good standing with no payment delays. 

On XX/XX/XXXX, Citi closed both of my accounts without informing me about the cause or giving any notice whatsoever. Calling customer care was of no help. 

The card opened in XX/XX/XXXX was my oldest active card and the 1st credit card I had received after I came to US. As such, closing this card will have material impact on my credit score, which I have been trying to build over the last 20 months in this country. 
All my points associated with the cards are gone too!
Product: Credit card

On XX/XX/year> I canceled a transaction from a moving company who fraudently used my credit card with out my authority. He claimed he was an international moving company but hired teen agers who broke my furniture and were not professional movers. 
The fraud dept took my complaint and said that the {$79.00} was removed from the rental of the truck. However for the cancelation of {$2000.00} Would be returned to me in 90 days if Bond Moving had not disputed this transaction. 
After 90 days there was no dispute. XXXX XXXX XXXX was not paid anything from the {$2000.00} .I called and asked why my money was not returned to me? The lady said we gave you {$660.00}... .I asked why? the amount is {$2000.00} ... .she just kept saying g we gave you $ XXXX waited XXXX minutes on the phone to speak to a supervisor who never came. I have tried to talk to the fraud dept and they send me to some other dept that never answers their phone ... .I 'd like XXXX XXXX to return the balance of the {$2000.00} to me. They owe me {$1300.00} .... This is their error not mine .They say I owe over {$1600.00}. Which I do not, this is the {$1300.00} they owe me and accrued interest and late charges they have added to my account. They sent me to collections which dropped my XXXX fico score down in the XXXX. 
I have always paid my bills ..I always paid them way more than what my payment was. I have had several fraud accounts on my bills since I received my first credit card.please pay me the money you owe me..look for your error. Thank you, Sincerely XXXX XXXX
Product: Student loan

Between XXXX  XXXX XXXXDepartment of Education and Mohela, I am receiving conflicting information and my Public Student Loan Forgiveness ( PSLF ) and Temporary Expanded PSLF ( TEPSLF ) is not accurately calculated. I requested a complete cummulative and collaborative review of my account between both agencies ensure accurate calculations. This has not been done. In my most recent response that I received from XXXX XXXX XXXX I was told Employer certification is needed. I have been providing this information every 2 months and I noticed the last completely process Employer Certification that Mohela has is XX/XX/2023.
Product: Credit reporting

I have been a victim of Identity Theft, and I am trying to dispute inaccurate items on my credit report.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I closed a Suntrust Business ( Control account ) due to the following issues. 
I could never access my account online and I could never keep up with the balances and payments due to waiting til my statement closed to get a bill in the mail. 
There was no way to call to get a balance because it was not accurate, the online info always had an inaccurate balance reflected. 
I paid the account off in XXXX for {$7300.00} and closed the account effective immediately. 
I later received a statement with a credit balance of approximately {$80.00}. 
I called SunTrust to get a check sent effective immediately, they told me it would take 60 to 90 days to issue a check. 
This is unacceptable, because the reverse of this would not allow me to make a pymt 60 to 90 days late. 
I want my money that was sent. 
Why does this take so long to give me my money that I over paid.
Product: Credit reporting or other personal consumer reports

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

I am the author of this complaint. I checked my consumer credit report and noticed some inaccurate, incomplete, and fraudulent accounts. These accounts and the reporting of these accounts are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have been negatively impacted because of these errors.
Product: Debt collection

There is a collection company that keeps putting an amount on my credit report. Every time I get it removed, they change the account number and put it on again, with a different date too. 

Their name and address is : Credit Management XXXX XXXX XXXX XXXX, TX XXXX It says it 's for XXXX XXXX XXXX, however I have NEVER had service with XXXX XXXX. I 've always had XXXX. 

No matter what I try to do, they will not stop.
Product: Debt collection

The auto debt was with a company called US Auto Sales which is the company I financed the vehicle through in XXXX however US Auto Sales went bankrupt in XXXX but did not make customers aware of the company going bankrupt. Out the blue I received an email from this company Westlake Portfolio Management around XX/XX/XXXX but Ive never signed a contract with the company and feel like they have lied and scammed to receive payment, however Ive never received proof this is my debt which includes a signed contract. Since I was not aware I could dispute this collection I made multiple payments because of credit reasons. They have also continuously harassed and called multiple times. Recently I encountered being in XXXX  XXXX  times in XX/XX/XXXX and the company knew because I called multiple times. Westlake lied on multiple occasions and said the calls didnt state I was in XXXX  but its a lie. Also they made me pay out my XXXX {$140.00} and claimed they were going to get me approved for a deferment but it has never happened. I also have sent a debt validation letter on XX/XX/XXXX and Westlake has not responded. I also feel like theyve scammed me on payments and feel they are crooks whove taken advantage of consumers. Id like further investigation and would like further action to be taken. I have also now disputed this debt on the credit websites because theyve never produced any signed contracts or documents validating this is my debt and they are the original creditor. Ive never given Westlake Portfolio Management any authorization to obtain this debt from the original creditor US Auto Sales so Id like further instructions on my options to also handle this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

please refer to complaint # XXXX. XXXX admitted fraudulent use of my identity regarding the XXXX XXXX application ; I was told in writing that the fraudulent inquiries would be removed from the 3 CBs ; not only the inquiries were not deleted, but, there was an additional unauthorized inquiry by XXXX dated XXXX/XXXX/2017. What 's going on? Why is XXXX keep doing this ; who in the credit department is using my identity. There is fraud here and needs to stop immediately and the fraudster in the credit department arrested!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE regarding Failure to fix error after unlawful investigation causing harm and injures to my mode of living, disgrace to my reputation and defamation of charactor.

I am demanding ALL UNVERIFIED alleged accounts below removed immediately.

1. XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX. XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account XXXX XXXX