23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

National Commercial Services has been harassing me with phone calls and letters claiming they represent XXXX XXXX XXXX XXXX XXXX, and that I have an outstanding balance of {$2000.00} as of XXXX XXXX, 2015. They claim this money is due to an auto accident that happened on XXXX/XXXX/15. I have explained to them that they should contact the insurance company because it was a company vehicle. They insist that they have the right to continue with their tactics, and hang up the phone when I say they are harassing me.
Product: Debt or credit management

XXXX XXXX XXXX swindled me out of XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

I received at the beginning of the year a copy of my consumer report, I noticed that all of my personal information was incorrect I sent out a personal letter to update my information on XX/XX/2022 Certified mail with return slip, Credit reporting bureaus received my letters on XX/XX/2022 & XX/XX/2022. I then started my account with XXXX XXXX to keep up with my consumer report on XX/XX/2022 I received a copy of my consumer report personal information was still incorrect. On XX/XX/2022 I received a copy of my consumer report personal information was still incorrect. 
Now this month I look at my consumer report and it is still incorrect XX/XX/2022 ACCORDING TO 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave Responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Which they violated Certified mail # XXXX : XXXX Trans XXXX XXXX XXXX Experian : XXXX
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX  Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  MD XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00}
Product: Debt collection

On XX/XX/XXXX LJ Ross & Associates filed a collection account on my credit report for original creditor XXXX. 

Subsequently, my attorney wrote to them demanding validation of the debt. Rather than comply or respond, they then transferred the collection account to XXXX XXXX XXXX as a presumably sneaky workaround tactic. 

Eventually, with the help of the CFPB ( XXXX ), XXXX XXXX deleted the debt from my credit report because they could not comply with the validation letter sent from the attorney because the debt is and remains invalid. 

I just received notice today, XX/XX/XXXX, that LJ Ross & Assocaites has filed the same collection account on my credit report AGAIN. 

Please see the letter to the credit bureaus attached, demanding the deletion of this invalid record. Please also see the demand letter to XXXX XXXX, and by virtue to LJ Ross, attached. LJ Ross was sent a similar letter earlier in the process to which I am guessing they will say they did not receive since they just passed the debt along XXXX XXXX XXXX. Regardless, the validation window has long passed and this account must be removed.
Product: Debt collection

I received a letter from First National Collection Bureau , Inc. from XXXX XXXX NV on XX/XX/XXXX. I called them the same day and spoke to someone identifying himself as XXXX ( I didn't catch the last name ). He said the debt was from XXXX XXXX XXXX XXXX XXXX for a credit card from XXXX on a card issued from XXXX XXXX XXXX  XXXX  XXXX. I told XXXX I didn't know anything about this account. He said he was looking up the information and told me the card was for beauty and makeup. I explained I never had such a card. I check my credit reports from all three reporting agencies on a regular basis. There was no past due account in collections from XXXX XXXX or from XXXX XXXX XXXX. I contacted XXXX XXXX Bank and XXXX customer services for credit cards and spoke with XXXX who checked her records and stated they had no record of a card in my name. I asked if they had information on a credit card even if the card was closed. She indicated they would and there was no information for XXXX XXXX. 

Both XXXX XXXX XXXX XXXX XXXX and First National Collection Bureau , Inc. have had issues with false claims and attempts at collection in the past.
Product: Checking or savings account

On XX/XX/XXXX. 2022 I was out doing deliveries and it came time to fuel my car with gas. I went inside to use my card and it was instantly denied. Now earlier that morning, I checked my account and deposited funds from my delivery gig and was able to see My balance. I tried to swipe multiple times ( chime credit builder card ) as I knew the funds were on my account ( still denied ) I got back in my car and checked my email to receive a notification of my account being on hold around XXXX. I CONTACTED Chime support through phone and was told to submit documents through review, they couldn't give me any information something about ppp loan, etc. I submitted the documents through chime email review and asked for an update about every 3 or 4 days. Nothing. Finally they responded with account closure, no explanation. Now not only am I not okay with them not refunding my funds but they closed my checkings, savings, and not to mention my Credit builder card. I have reached out multiple times and no one seems to care, nor can any one help assist me with this matter. I am working on my credit and by no fault of my own I will now have a closed account appear on my credit reports,, No way is this acceptable.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX - XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I would like to let you know that these accounts below have long been removed from the XXXX Credit report. These items were found to be placed incorrectly on my files by other credit consulting department and I needed immediate action of REMOVALS for all of them. 

XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX am fully aware that all credit consulting bureaus reports and gathers information to a specific creditor or furnishers of information per account. It just doesnt make sense to me why your department still furnishes these items that should already have been removed from my record. If communications were delivered accordingly, shouldnt they also be aware that these entries should have been long gone from my record, since XXXX no longer has it?
Product: Checking or savings account

On XX/XX/XXXX checks where deposit to an ATM on Chase bank on XXXX XXXX XXXX Tx XXXX. ATM displayed an error message which was also on receipt. After submitting a report Chase bank offered a temporary credit for amount of checks. After the " investigation '' they did not find anything. I have been going to this bank to find a solution and they claimed that the checks where not Found nor checked. I spoked to my employer and he tracked the checks on his end and gave me proof that at least one was cashed. I need to know what was done to my money that they took away.When I asked them to please review the cameras I was told that I had to submit a police report, when I told them I was going to call the police they called the manager and he said he was going to help me out within 24 hrs this was on XX/XX/22 up to now we have not heard back.
Product: Debt collection

Re : Account #  XXXX  To Whom It May Concern : I recently received a copy of my credit report and was alarmed to learn you claim I have a delinquent account with you. I have never entered into any arrangement with you, nor did I sign a contract with your company. And as third party collector, you are not authorized to furnish any information on my credit report. In order to collect or report information about me, the law states you must first have my permission. I received no request for permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

My home address is not correctly shown as is on my drivers license on all sections of my Experian Credit Report which may potentially cause errors in accessing my credit file by potential creditors.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Transunion and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Transunion and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on a collection that doe snot belong to me and it was instead update don my credit file and not deleted. I have asked that the company and Experian respect my consumer rights and only report accurate information however that is not happening. 

XXXX XXXX XXXX XXXX
Product: Credit card

I tried to cancel my XXXX XXXX miles Amex card via online. I took a screenshot of the chat coz it makes you think you already canceled credit card and someone will call me ( no callback ). So next day i called customer service and person try everything to convince me NOT to cancel my card. At the end he conveniently told me that theres system issue, promise that he got all info to process my request to cancel my card. Request to email me a confirmation, Advised i will get an email in 15 min ( of course NO email ). I just have a feeling that other people are experiencing same. This should be a straightforward process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX my credit report was used without my consent from XXXX and XXXX XXXX
Product: Debt collection

I was forced out of the shared home by second lease occupant and threatened to have the police called on me unjustifiably and without cause, so I moved out in an emergency. I notified the landlord of my issues and I was given the okay to move. I filed for homelessness and I have been living in a shelter since XXXX of XXXX. I only owe two months of rent to the landlord, but the Property Company continued to charge me for the rent and I was not occupying the premises. I offered the landlord a repayment option of {$500.00} a month for 8 months, but it was rejected and I was told that I would be given an eviction on my record. This was a threat to my financial security. I was also verbally threatened with XXXX XXXX. I was not in a favorable situation and I do not owe the amount that has been placed on my consumer credit report. I definitely have not authorized the release of my private information to a third party and I would like to know how HUNTER WARFIELD INC. obtained my private information without my consent.
Product: Debt collection

i have sent several letters and hired credit repair company they say i owe {$420.00} however this was a secured card and i gave them a security deposit of {$300.00} so the balance owed should only be {$420.00} they never applied the {$300.00} security deposit.
Product: Credit card or prepaid card

They keep charging me the annual and I keep asking to waive it the annual fee is too high
Product: Credit reporting, credit repair services, or other personal consumer reports

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  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 card or prepaid card

My Membership Rewards account has been frozen for more than 10 weeks and I 'm unable to transfer them into my registered XXXX XXXX frequent flyer account.
Product: Credit reporting or other personal consumer reports

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 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: Debt collection

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the NATIONAL CREDIT SYSTEM a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act. 

The only resolution is to remove this fraudulent account removed from my XXXX immediately which is in direct violation of the Fair Credit Reporting act.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXporting 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 account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$1800.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I hope this message finds you well. I am writing to seek your legal advice regarding a serious issue that I have encountered with my bank account. Recently, I discovered that my account has been scammed and fraudulent activity has taken place without my authorization. I have reached out to the bank representative of Chime Stride to resolve this matter, but I have not received satisfactory assistance from them. Therefore, I am seeking your help to take legal action against the bank and the culprits who have stolen my funds. 

I was disappointed to see that my ticket was closed without proper investigation and my claim for financial aid was unfairly denied. I did not authorize any of the transactions that took place, and it has only been two weeks since the incident occurred. This was my entire financial aid for school, and its loss has put me in a state of hardship. Upon reviewing my account statements, I noticed over 600 transactions that I did not authorize. This happened over two days, with {$1000.00} being stolen on XX/XX/XXXX, and {$4600.00} taken out of my account on XX/XX/XXXX. I live in XXXX, Louisiana, and visited the XXXX, Texas area over that weekend. I did not make any cash app transactions to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, nor have I been to Florida or California. 

I don't understand how my dispute could be denied for my financial aid, especially when my account was credited for the first day of {$1000.00}. I have been with Chime since XXXX and trusted my financial aid to come to Chime, but it was completely depleted from my account by the same culprits who took the money on XX/XX/XXXX. I am willing to take a loss of {$1700.00}, but a total loss of {$4600.00} is too much. I go to school full-time and depend on those funds. I urge you to take a closer look into this matter and fight for my rights. 

Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I wrote emails to XXXX stating debt was not mine and no one ever responded.