23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had just received the notice, and was about to send it out, because the XXXX website didnt say where the {$500.00} fee came from, when I received XXXX harassing phone calls from them. 

They tried to accuse me or breaking my lease or not paying rent, and I told them that I was working with National Debt Relief and was filing it with them, since I refuse to pay a debt without proof of debt. They said oh well, its your credit that youre ruining, not mine. 

I sent out the letter wanting to dispute it, for proof that I owed the {$500.00}, since I couldnt find any proof. They never responded back with any proof. 

I just got an email from XXXX XXXX that they added this {$500.00} ( {$510.00} now ) collection to my credit report, yet they still havent sent me any proof that I owe {$510.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found inaccurate items that did not belong to me. Creditor : XXXX XXXX, Account # : XXXX, Creditor : XXXX XXXX Account # :XXXXXXXX. Creditor : XXXX XXXX Acct # : XXXX. I have repeatedly asked this company to provide me with details on how they are able to verify something that does not belong to me. I dispute having any obligation for this debts and if you are unable to provide me with the legal documents and contracts as I have repeatedly requested, then I would like to have these items permanently taken off of my credit report immediately ( per my Rights under the Fair Reporting Act ).
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act ( FCRA ), as delineated in 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies must execute their significant responsibilities with fairness, impartiality, and a profound respect for the consumer 's privacy rights. XXXX, XXXX, XXXX XXXX XXXX, and Experian, being consumer reporting agencies, hold this obligation. As a federally protected consumer, I have the right to safeguard my private information, as reinforced by 15 USC 6801, which underscores the Congressional policy of ensuring financial institutions respect customer privacy and safeguard nonpublic personal information. 

Furthermore, entities providing information to credit agencies, categorized as financial institutions under this statute, are bound by 15 USC 1681 section 604 ( a ) ( 2 ), requiring consumer reporting agencies to furnish consumer reports solely in accordance with the written instructions of the concerned consumer. XXXX, Experian, XXXX, XXXX XXXX XXXX, and the financial institution furnishing information to credit agencies lack my consent to furnish this information, let alone my written consent and violate their own terms and conditions by sharing information with nonaffiliate. Consequently, any and all consent, whether verbal, non-verbal, written, or implied, to XXXX, Experian, XXXX, XXXX XXXX XXXX, and the aforementioned financial institution is hereby revoked. 

Moreover, 15 USC 6802 ( b ) ( c ) mandates that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise the nondisclosure option. Regrettably, I have not been informed of this right by the financial institution furnishing information to credit agencies. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. Despite this, the account in question is being reported without my permission, contravening the law. 

Further, 15 U.S. Code 1681s2 ( A ) ( 1 ) dictates that no person shall furnish inaccurate information relating to a consumer to any consumer reporting agency. XXXX, XXXX XXXX XXXX, XXXX, and Experian, therefore, are failing to maintain reasonable procedures to avoid violations of this statute, as required by 15 U.S. Code 1681e.

Finally, pursuant to 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately.
Product: Checking or savings account

My stepdad and a friend wrote me a check for my post-elopement celebration on XX/XX/XXXX, while most others XXXX 'd or used other methods. My stepdad wrote me a check for {$2600.00} while my friend wrote me one for {$200.00}. I deposited both checks electronically and discarded both. Chase froze my account while they verified the checks. After 14 days, Chase notified me that they would be closing my checking account because they couldn't verify the checks. I didn't feel comfortable providing them the phone number of my stepdad or my friend as Chase informed me I had to. After the accounts were closed, I thought I would have the checks returned to the senders. I waited from news from my stepdad and friend about receiving the funds back, but nothing. Finally, Chase said they would hold my checks indefinitely until they verified. My friend called her bank to cancel the check and said she could just XXXX me the money, but her bank said that the check cleared and had already been deposited so it could not be returned. I finally gave them both the number of my friend and my stepdad. They " verified '' my friend 's after calling Chase about 3 times for this. They notified me they couldn't give me the {$200.00} check because it was now " linked '' to the {$2600.00} check. I gave them my stepdad 's number, and that couldn't be verified. Chase somehow got my mom 's number, even though they're not in the same phone plan. They said they would call my mom 's number to verify. My stepdad was out of town so my mom answered, and told them to call this week. I called Chase yesterday, XX/XX/XXXX, to verify they would call my mom 's number today, XX/XX/XXXX. Today, XXXX said they couldn't " verify '' neither my stepdad 's nor my mom 's number as it belonging to him. My stepdad lives in XXXX  and I live in XXXX, so we can't go to the bank in person to verify, according to XXXX. I have a call history that I have been on the phone with XXXX every week at least twice a week since end of XX/XX/XXXX trying to solve this issue. I still don't have the total of {$2800.00}.
Product: Credit reporting or other personal consumer reports

Th List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX XXXXXXXX {$2300.00} OPENED XXXX, Account name : XXXX XXXX XXXXXXXX {$1500.00} OPENED XXXX, has violated my rights. 

I looked at my my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s
-2 they are suppose to 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 disagree with the reporting on the accounts listed below, which persists on my credit report despite your previous re- investigation of this item as inaccuracies severely impact my credit score. Per the FCRA ( Public Law 91-506 ), Title VI, Section 611, Subsection 1-D, Please provide me with the names and business addresses of each individual whom you verified and validated the information with, so that i may follow up accordingly, send me a copy of my credit report after completing your investigation. 
XXXX XXXX XXXX Date open XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to find inaccurate accounts appearing on my credit report, and Im utterly confused as to why this is happening. My routine credit report check revealed discrepancies that seemed to come out of nowhere. I even refreshed my browser multiple times, thinking it might be a technical issue, but the mistakes remained. Im really upset about this and need the documents Ive sent to be carefully reviewed so I can have peace of mind once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently being denied for a checking account, I viewed my credit report and noticed many errors. The account listed below is reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following account be verified or deleted immediately : ChexSystems. The following addresses are NOT affiliated with me. XXXX XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX  XXXX XXXX XXXX. XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX . XXXX XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. There are also unknown inquiries that I am unfamiliar with. XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( on behalf of XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

I noticed mistakes on my credit report concerning 15 USC 16c-2. The listed inquiries were not approved by me, and this incorrect data is damaging my credit. Please remove all hard inquiries that were not authorized. Thank you!
Product: Credit card

I received a mail invitation to apply for the Chase XXXX XXXX XXXX, addressed to my business name ( XXXX XXXX XXXX ) with a QR code to scan. I read everything on the advertisement to make sure there was no mention of a credit pull on personal credit. Went through the application process, read the disclosures there, still no indication that a hard pull ( or any pull ) would occur to my personal credit. When I applied, I was denied ( they had stale information from XXXX, which factored in the decision, and I should also note that I didn't care about the denial ) and then I started getting alerts from the various credit monitoring services I use that there was a pull on my credit. I called Chase immediately and conversed with XXXX operators, who said that this was " just the way they do it ''. I asked for the disclosures and how I was supposed to know that they would perform this action and they could not point me to anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX ). 
( XXXX XXXX XXXX ). 
( XXXX  XXXX ). 
( XXXX XXXX XXXX ). 
( XXXX  XXXX XXXX ). 
( XXXX XXXX XXXX XXXX ). 
( XXXX XXXX XXXX ). 
( XXXX XXXX XXXX ). 
( XXXX XXXX ). 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

On all three credit resporting agenices. I have stressed to them that my idenity was stolen in XXXX. I have provide the FTC report and the police report as well. With no results on these unknown accounts and late payments on these accounts as well. My idenity was also compromised in the Equifax data breach and the XXXX XXXX XXXX XXXX as well. I received payment from Equifax in reference to the data breach as well. Still the information is on my credit report it has impacted my credit in a negative way. And I have been working on this for years to be able to maintain my good credit, but it has not worked in my favor. There are several items on credit from XXXX XXXX XXXX in the about of {$210.00} and {$730.00}. That I am unaware of another account is XXXX XXXX in the amount of {$9400.00}. Another account is XXXX in the amount of {$2300.00}. Another account is XXXX XXXX XXXX XXXX in the amount of {$540.00} I have no knowledge of also an XXXX account apears to be a creditcard. I have numerous hard iquiries all the credit reports. Experian has a total of 6, Transunion has a total of 8 and Equifax has a total of 5. That I have requested to be removed from my credit reports. The credit reporting companies has not be investigating my request properly, This is why I am filing this complaint to you. I also requested to have names and addresses removed from my credit report and they are still there
Product: Payday loan, title loan, or personal loan

I told them I couldn't make payments because I had a problem with a company I was working for not paying me. They have been calling me multiple times a day, every day, for a few months. I did a debt consolidation with a company and this account with Tower Loans is part of that consolidation. I told the representative from Tower Loans that showed up at my residence, unannounced, about that and gave her the contact information of that company. Tower Loans called and told me that they don't deal with consolidation companies and don't have to follow the rules not calling repeatedly. Tower Loans told me that since they collect their own debts, the federal rules concerning the contacting and harassment didn't apply to them. I've told Tower Loans all they can do is file it on my credit report and that they needed to stop calling me to harass me about it or I would report the company. Harassment as defined by the reporting act that outlines consumer rights is what Tower Loans is in violation of. Also, the lie that they said about they don't deal with consolidation companies so it's not their problem. I believe this falls under the rulings of removal of the debt from my records because of the harassment and tactics of deception by Tower Loans. At any rate, the calls need to stop immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the XXXX data breach, i started to wonder if my credit is reporting correctly. I decided to sign up for a credit monitoring account with XXXX XXXX. This is when I came to the understanding that someone has been using my personal information to apply for services and credit. 


FRAUD INQUIRY ON EXPERIAN BUREAU XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FRAUD INQUIRY ON XXXX BUREAU XXXX XXXX XXXX - XX/XX/XXXX -XXXX XXXX XXXX - XX/XX/XXXX -XXXX XXXX - XX/XX/XXXX I placed a fraud alert on my credit report and placed the inquiries under dispute with the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX XXXXXXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

I reached out to the XXXX XXXX several times over the last year. I have asked them for proof of this debt ; I have asked them for proof that I owe them ; I have asked them if they are license to collect this debt ; I have informed them that this debt does not belong to me. This company has refused to respond to my request. This account should be removed from my credit reports immediately. This is a violation of the FCRA. This company should be fined for not yielding to the federal laws.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ), specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( ETFA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Company Name : MIDLAND CREDIT MANAGEMENT Account Number : XXXX Amount : {$450.00} Company Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX Company Name : MIDLAND CREDIT MANAGEMENT Account Number : XXXX Amount : {$710.00} Company Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX Company Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$360.00} Company Address : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 15 U.S. Code 1692c States that : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt the debt collector shall not communicate further with the consumer with respect to such debt.

The debt collector has not provided me proper debt validation for the alleged debt collection accounts. They have failed to validate the alleged debt by NOT providing proof of original contracts with my signature with the alleged original creditor, copies of original creditor payment history, name and address of original creditor, and proof of assigned/owed debt to debt collector. Please delete the accounts stated above from my credit report.
Product: Debt collection

Sir/Maam, Good afternoon, we are submitting a fraud complaint on an account that was opened illegally and we are not receiving ANY assistance with Transworld Collection Agency. We have called them several times for the fraud packet and they still havent sent one to us and we have provided our address several times. The collection agency is contracted by XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ). 

The first phone call to the debt collector was on XX/XX/XXXX ( XXXX ) and we told them that it was fraudulent account and we would like to resolve it and get back our federal income tax that was applied to the debt. After the last phone on XX/XX/XXXX they said they will mail a fraud kit out residence and it should take a few days. We immediately went to the police department and filed a police report of the fraud. Over a month goes by and no " fraud kit ''. Around XX/XX/XXXX we get a letter from Transworld thinking it was the kit, unfortunately it wasn't. It was actually a statement from XXXX with the statement and balance of the account and they want us to sign and agree that the balance owned is in fact true and we agree to it ; that is completely ILLEGAL and not what we spoke about on XX/XX/XXXX. 

On XX/XX/2020 I called XXXX four times and I specifically asked for a supervisor/manager and the first representative said she will transfer me and all I got was " the number you have dialed is not in service ''. I called again with little to no assistance. The last call I was provided a number for Mr. XXXX XXXX at ( XXXX )  XXXX and I left a message to call me back ASAP ; it's XX/XX/XXXX and no phone call back from Mr. XXXX. 


At the end of the day we just want to file a fraud report, get our names from this account and get back our federal tax return. This particular fraud is hurting us financially and also affecting jobs. Below are some details about the account. 

Account # : XXXX Open Date : XXXX XX/XX/XXXX Online Balance Owed : {$7600.00} Address used to open/mailing : XXXX XXXX XXXX XXXX XXXX, NM Last Payment : XXXX XX/XX/XXXX Sent to Collection : XXXX XX/XX/XXXX Filed police report with XXXX XXXX XXXX, NM
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting a closed bank of america account for late payments as well as dropped credit score XXXX point in less thank 30 days ... also reported amount was {$500.00} and then {$200.00} I called XX/XX/2022 they corrected it by XX/XX/2022 then reported the same information causing credit score to drop I disputed twice XX/XX/2022 and XX/XX/2022 asking to remove late payment due to accout being paid in full and not being late information reported was false
Product: Credit reporting or other personal consumer reports

TransUnion is willfully and knowingly reporting fraud because I supplied XXXX proof of FTC reports and notarized identity theft affidavit. I sent a letter to TransUnion on XXXX XXXX 2023 and I requested that multiple accounts be removed due to identity theft. These accounts were in fact NOT removed. At this time, I have no choice but to invoice TransUnion for violations and damages. The certified letter was delivered on XX/XX/2023 at XXXX had ALL of the necessary documentation included. I provided a notarized Identity Theft Affidavit, my official reports to the Federal Trade Commission and proper proof of my identification. 
In another certified letter ( Tracking # XXXX ) that was also delivered on XX/XX/2023 at XXXX, I sent subsections of the FCRA ( Fair Credit Reporting Act ) TransUnion is in violation of! 
Per pursuant identity theft consumer laws, within 4 days these accounts should have been blocked and deleted from my consumer report per federal law. However, it is now XX/XX/2023 and the accounts have not been removed. 
Pursuant to the FCRA, EACH VIOLATION is {$1000.00} Per violation per occurrence. 
This is a direct violation of 15 U.S. Code 1681n - Civil liability for willful noncompliance TransUnion are in direct violation of 15 U.S. Code 1681n ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00} Per violation per occurrence.