23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX sent me a collection notice regarding an account that was clearly fabricated. It does not appear on my credit report, and I never opened this account nor did I agree to assume this debt. 

The original creditor they cite - XXXX XXXX. XXXX-Consumer -- is not associated with the IIN/BIN Number number cited ( XXXX ) -- and is in fact associated with a DEBIT card, not a credit card. A cursory check of the facts by Midland would prove that this debt record is completely fabricated. 

It's clear that they are trying to collect on fake debts, and someone needs to stop them.
Product: Credit reporting or other personal consumer reports

[ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ] Subject : Request for Removal of Outdated Closed Account from Credit Report To Whom It May Concern, I am writing to formally dispute the reporting of a closed account that appears on my credit report. This account exceeds the reporting time frame allowed under the Fair Credit Reporting Act ( FCRA ) and should be removed. 

Account Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account Closed XX/XX/XXXX Account last reported Last reported XX/XX/XXXX Amount Owed {$4300.00} Payment status In Collections/Charge-off Remarks by creditor Profit and loss write-off Dispute resolved reported by grantor Dispute resolved reported by grantor Account Name : [ XXXX ] Account Number : [ LAST XXXX # XXXX ] Under the FCRA, negative information, including accounts that are closed, may only be reported for XXXX years from the date of XXXX  delinquency. Based on my records, this account was closed and is beyond the allowable reporting period. As such, it should no longer appear on my credit report. 

I respectfully request that you investigate this matter and delete this account from my report. Please find attached copies of the following documents for your reference : A copy of my credit report with the outdated account highlighted. 
Any other supporting documentation to confirm the account 's age and status. 
Please confirm that this account has been removed from my credit report within XXXX  days, as required by law. If the account can not be removed, I request a detailed explanation of your investigation and the reasons for continuing to report the account. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

Lexisnexis provided false motor vehicle reports to an auto insurance company which caused my insurance premiums to increase by 50 %. They dont provide a timely correction process. My choices were to pay the extra insurance premiums until the motor vehicle issue was resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE RE-INSERT THE FOLLOWING ACCOUNTS BACK ONTO ALL CREDIT XXXX/XXXX, XXXX  BOTH XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance, with the Fair Credit Reporting act XXXX  Account # XXXX has violated mu rights. 
15 Section 002 States Ihave right to privacy Is use XXXX XXXX XXXX XXXX Section 2 : It also states a Consumer reporting agency Can not furnish a account with out my written instructions. 
15 USC 164uB. A Creditor may not treat a payment on credit card account under an open end Consumer Credit plan as late for any purpose. 

Please help with this matter thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, when I came to [ XXXX bank, XXXX XXXX ] to open a business account, we discussed in length NOT to do anything to jeopardize my credit score. We had a XXXX hour appointment, and I have been very direct with [ XXXXXXXX XXXX XXXXXXXX XXXX ] what was needed and what was out of the question. This included credit checks, as I was in the active stage of applying for a mortgage. 
[ XXXX bank, XXXX XXXX ] understood, opened my business account and went ahead with a credit check, without my consent. My phone gave me an immediate ping, to update me on the instant lowering of my credit score and [ XXXXXXXX XXXX XXXX XXXX ] your response was XXXX. [ XXXXXXXX XXXX, XXXX XXXX ] vehemently apologized for her honest mistake and it should have rested right there. 

[ XXXXXXXX XXXX XXXXXXXX XXXX ] manager escalated this, in order to have the credit check removed immediately as you indeed made a mistake. Mistakes happen. [ XXXXXXXX XXXX XXXXXXXX XXXX ], yourself submitted an escalation in order to be pro-active in making things right. I escalated things, and escalated the escalations, as nothing was happening. The Executive office picked it up and I kept you apprised and informed of this. 

I now have confirmation that the internal investigation resulted in [ XXXXXXXX XXXX  XXXX XXXX ] denying that [ XXXXXXXX XXXX XXXXXXXX XXXX XXXX did any of this. 

I already had this removed with XXXX. Transunion is unwilling and XXXX is refusing to take this off my credit report, without materials from XXXX. The escalated confirmation numbers are : XXXX and XXXX This is with the executive office, who is refusing my phone calls. I am actively blocked from contacting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending all three credit bureaus several letters disputing the accuracy of the infomation that they are reporting on my credit file and informing them that the items were not mine, they stated on several response letter that they verified and upon receiving the letters stating that they " Verified '' the items as being mine, I requested under the FCRA proof, which includes more that going to the furnisher of information asking them is it true, but i requested on 8 or more different times and was very clear on what the request was ... ... XXXX " written verification of the accounts they were reporting that they claim that they verified .... 

If in fact they " verified as mine '' then I requested PLAIN AND CLEAR ... .. " send me contracts bearing my signature because I want to get to the bottom of who has signed my name to something that I had no knowledge of nor did i agree to .... 

attached is the letter that i sent and the request that I made. they are now sending back templete letters and not giving me what I clearly asked for. 

If they cant properly investigate and come back with accuracte information that shows the accounts are mine such as written contracts the law is clear and I hold them to the standards of the law and not send me back templete letters becasue they did not do an investigation but is violating the law and my rights and is doing damges to my credibility. 
they must remove what they are unable to verifiy
Product: Credit reporting or other personal consumer reports

Today, I found unexpected and unauthorized inquiries on my credit report, which I can not explain. I checked my report as I usually do, but this time, discrepancies appeared out of nowhere. I refreshed my browser, hoping it was an error, but the unauthorized inquiries still showed up. Im extremely frustrated with this, and I urge you to review my documents carefully to prevent future issues. I need this resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom to may concern there is erroneous/ inaccurate information on XX/XX/2021. I am currently being hit with a bunch of hard inquiry 'd on the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX / XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. I never gave any car dealership the right to run my credit score 6 separate times on the same day.
Product: Credit reporting, credit repair services, or other personal consumer reports

As submitted previously, I submitted a document asking for the method of verification and you claimed it was " too vague '', so i will provide all the report numbers for your reference to provide the method of verification according to the FCRA. 

Accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX In accordance to 15 USC 1692 ( g ), I am asking again for the method of verification with sepecific previously disputed account dispute numbers from your website. I will also attach a file for your reference, as to each dispute. 

In addition, there are a few location data points and inaccurate reporting of my name : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX, Pa. XXXX XXXX address do not belong to be and because your duty is to provide accurate reporting, I am also asking for the method of verification of these items to allow them to be reported on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX These in addition are not my name. I ask verbally over the phone for them to be removed and i was told they couldn't be. So I also and seeking the method of verification for these. 

Pursuant to 15 USC 1681 ( b ) ( a ) ( 1 ) Where is the court order or written consent from the consumer to furnish this information. 

Also, I provided my ID which is sufficent and reasonable to identify. I don't feel comfortable providing more personal information for review without you providing my written consent to have my personal information to verify from.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting - XXXX XXXX Im XXXX XXXX, I have recently moved to XXXX XXXX XXXX, XXXX, NC, XXXX I am receiving mails related to a loan/credit application with several banks/companies applied by XXXX XXXX and XXXX XXXX on my address XXXX XXXX XXXX, XXXX, NC, XXXX. 
Previous house owner also didnt know a person named XXXX XXXX I am worried that this might be a financial fraud, can you please check at your end and tell me what actions need to be taken from my end. 

I prefer email communication as I can't remember each and every complaint Im making for this. 
Reference number XXXX Thanks, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 - Credit pulled by XXXX, CAPITAL ONE, and XXXX XXXX XXXX. XX/XX/2021 - Credit pulled by XXXX. 

I did not myself request my credit to be pulled for any reason. I have no accounts with any of these lenders. 

XX/XX/2021 - I called XXXX and they suspect fraudulent activity. I also called XXXX and they recommended I submit a complaint.
Product: Credit reporting

1 ) XXXX, XXXX : TransUnion account CLOSED on XXXX XXXX but showing Late payments to present time. Error is affecting my credit! 
2 ) XXXX : TransUnion account is OPEN. It should be CLOSED on XX/XX/XXXX. Error is affecting my credit! 
3 ) XXXX : TransUnion account is OPEN. It should be CLOSED on XX/XX/XXXX. 
sTransUnion said they had in open investigation and it would be resolved on XX/XX/XXXX. Well it 's Monday XX/XX/XXXX and nothing has been done the error 's still appear on my credit report. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 equifax furnished a medical collection on my credit profile and that is a violation to the HIPPA privacy law and I want that collection deleted immediately.
Product: Debt collection

I have no idea who Pro Collect Inc is. I have not had any signed contract with them and had requested they remove this account from the credit agencies. I do not have any contract confirming I owe this amount. We will need to go to court for this debt so that a judge can determine it is not mine. They have my name but can not verify any of my person information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found myself in the midst on an identity theft issue that has effected a credit report. a couple accounts were opened and inquiries added, although i know i have not applied or tried to open any new accounts XXXX XXXX XXXX  on XX/XX/XXXX with an XXXX balance is not an account i authorized. ROUNDPOINT MTG opened on XXXX XXXX XXXX
Product: Credit card or prepaid card

I initiated contact w JP Morgan Chase asking to cancel my card in order to reverse the {$95.00} annual fee I saw was charged to my account. When I called I was told I was over my cancellation date ( by about 2 weeks from what I could gather ) and JP Morgan Chase refused to refund my {$95.00} fee.

I then contacted the JP Morgan Chase executive office and once again my request to get my annual fee refunded was denied on the basis that my request was beyond 30 days. 
The terms for being able to cancel the card and get the annual fee refunded were not clear to me, the consumer. I do not know where these terms exist ( within pages of fine print perhaps when the card is initiated? ) Regardless, the consumer should be reminded of these terms regarding the refunding of this charge with each yearly subsequent charge. I would also argue that 30 days is not enough time as many consumers are extremely busy and not aware of charges on their account within that time period. 
The banks have consumers in an unfair situation by limiting this cancellation to 30 days as it often takes much time to transfer automatic payments being made on the account to another account, and no one wants to have a denied charge. When setting up automatic payments, every bank and credit card admits it 'may take up to 2 billing cycles to set-up '' yet we the consumer are not given the same courtesy of time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Complaint Regarding Unauthorized Credit Inquiries in Violation of 15 U.S.C. 1681b Dear Sir/Madam, I am writing to file a formal complaint regarding two credit inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX XXXX on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b.

The following credit inquiries are of concern : XXXX XXXX XXXX XXXX XXXX. Dated XX/XX/year>, at the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA DEALER Dated XX/XX/year>, at the address XXXX XXXX XXXX, XXXX, TX XXXX. 
Under the FCRA, credit inquiries should only be made when a consumer has authorized them or when they are necessary for a legitimate purpose, such as a credit transaction or review in connection with an existing account. To the best of my knowledge, I did not authorize either of these inquiries, and I have not entered into any credit transactions or agreements that would warrant these inquiries. These appear to be unauthorized hard inquiries, which are damaging to my credit report.

I am requesting that the Consumer Financial Protection Bureau assist in investigating this matter and ensure the removal of these inquiries from my credit report. These inquiries were made without my consent and in violation of my rights under 15 U.S.C. 1681b. As such, I respectfully request that they be permanently removed from my credit report, and that the responsible parties, XXXX XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX XXXX, be held accountable for this unauthorized action.

Please find my personal information below for reference : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX NY XXXX Thank you for your attention to this matter. I look forward to your prompt response and resolution. If you require any additional documentation or information, please do not hesitate to contact me.

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

Collection account from XXXX XXXX XXXX with account XXXX XXXXXXXX and a balance of {$4200.00}. The original creditor is XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this in accurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
Product: Debt collection

I contacted XXXXXXXX XXXX XXXX XXXX  to discuss a debt that they said I have with Bank of America in the amount {$5900.00}. XXXX XXXX XXXX, has put a levy against my bank account ; however, they have not provided any proof that the debt is mines, nor have the provided me with any documentation that I was served with a lawsuit. When I spoke to Bank of America they informed me that they do not have any knowledge of the debt and I would need to speak with XXXX XXXX XXXX XXXX According to Bank of America XXXX XXXX XXXX, XXXX. has had this debt since XXXX. The interaction with XXXX XXXX XXXXXXXX they have been unresponsive, rude and dismissive over the phone. Bank of America has told me that they do not know what is going on with the debt and that I need to contact XXXXXXXX XXXX XXXX
Product: Consumer Loan

My car was almost in repo from Toyota financial. I talked to a supervisor and he agreed if paid 1 month XXXXto would come out of repo and I could pay the next month at a later date to get it caught up. I ended up paying 2 months through their automated system with a checking account. They can see the payment was set to go through on the XXXX but it came back as u sufficient funds. I need up putting in the routing number, account number but added the check number not realizing your not suppose to put the cHeck number as well. I have the money to catch up the car but they repoed the car today at XXXX. Beyond never told me the payment did n't go through or there was an error.. they refuse to let me pay the car to date and get it back. They want the car in full. It ws a typical error and they know I have the money. So they say they will sell at auction and I 'll owe the money.. why ca n't they take he money to catch it up if I have it and they know that? I do t want to owe money on a car that I dono havem. Both partied will lose money if they do it that way. Not right to efuse money when they know I tried to pay and I told them I have all the money now.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX The guy name XXXX sent me the amount of XXXX by XXXX XXXX by accident, and he called me to beg me to return the money to him because he have to pay rent and he doesn't have enough money to pay for it. So i told him to wait until I talk to my Chase bank. 
On XX/XX/2021 XXXX called me again to ask me to refund money to him, so i call me Chase bank and ask the Chase Agent to see if it's ok to send back the money to him. The agent told me It's ok to refund it to him because the payment when through and clear. I asked the agent, are you sure about it? Because i don't want XXXX dispute the first transaction after i send the money to him. The agent to me that's he sure about it because It's electronic payment so there is no way he can dispute it. So i sent back XXXX to XXXX. 
On XX/XX/2021 I check my Chase bank account and i saw XXXX disputed for another XXXX. So i contact Chase and they said, they will do the investigation. 
On XX/XX/XXXX, i received an letter said the payment was correct and there is nothing they can do about it. 

So i contact XXXX to ask him to return the dispute money back to me, and then we found out XXXX already cancel the dispute after i sent the money to him on the XX/XX/2021. But XXXX and Chase still took my money. 

XXXX never receive the dispute money and the money never deposit into his account. We called 3 line with XXXX to talk about it but they can not do anything. I also contact Chase bank multiple times regard this problem but they can not help me. 

Right now im lost XXXX and we don't even know where is my money. Please help me to solve the prolem. Im so stress out when i call Chase and XXXX with no help at all. 

Chase and XXXX stolen my money.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally express my concern and seek resolution regarding several fraudulent items that have been reported on my credit report. Despite my multiple attempts to address this issue, it remains unresolved. I have made XXXX attempts to correct the inaccuracies on my credit report related to fraudulent activities.. I kindly request that you address these inaccuracies promptly to prevent any further negative impact on my credit score and financial standing. I trust that you will treat this matter with the urgency and attention it deserves. Please respond within the exact timeframe confirm that these corrections have been made or to provide an explanation if further investigation is required. I am now asking for your help to correct the accounts : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} ; XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9100.00} ; XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2500.00} ; DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$73000.00} ; XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FAIR CREDIT REPORTING ACT accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have come back verified. How is this true when there are inaccuracies on my report. I demand to see full method of verification according to the FCRA. Pursuant to 15 U.S.C 1681 section 602A states I have the right to privacy. Pursuant to 15 U.S.C 1681 604 A section 2 It also states that a consumer reporting agency can not furnish my account without my written instructions. Also, I demand compensation of damages for each violation of {$1000.00} according to the FCRA 623 ( a ) ( 3 ) my disputes are not posted on any of the accounts in question on my report. See screen shots in the attachment. The above mentioned accounts are to be deleted from my credit report ( not updated ) as soon as you see this message. Thank you and have a happy rest of the year!