23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint is over a year old, so I may be too late : On XX/XX/XXXX, I received a bill from XXXX XXXX XXXX XXXX XXXX for {$3000.00}, and the " original creditor '' cited was XXXX XXXX. I have never had an account with XXXX XXXX, so this immediately aroused my suspicion. 

I called to inquire and was asked for my social security number, which I refused to divulge ; after pressure I finally cited the last four digits and the rep on the other end of the line cited my SS # in full. I was then told that this was a debt dating back to XXXX ( I believe that is the correct year ; if not it was somewhere near that year ) and that I should " do the right thing '' and repay this debt .... I kept insisting that I never had a XXXX XXXX account. At this point I was offered an option to " settle '' the debt for about half the price if I " paid today. '' I said I would call back and then immediately called XXXX XXXX, whereupon I was assured that I never had an account with them. 

I called XXXX XXXX back and oddly enough the gentleman with whom I had previously spoken was gone. I then informed the woman on the phone that I had never had an account with XXXX XXXX and this was a fraudulent claim. She said they had received the claim from Velocity Investments , LLC ... 

I never heard from them again, but stories of recent scams in the news have lead me to feel a responsibility to report this agency for fraud. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX SS # ENDING IN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for credit and was denied, upon receiving a copy of my report I found the following errors. I contacted each bureau and received no response at all which makes my situation even harder because I need to move forward with things including my credit and if this is not fixed I will continuously be denied! 
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX. 

2. The following personal information is incorrect Account XXXX : Employers : XXXX XXXX 3. 15 U.S Code 1605 ( a ) XXXX XXXX XXXX Account Number : XXXX There are finance charges that are the sum of all payments. There should be no late payments on this account, especially between the year of XXXX through XXXX. They also have a repossession for this account that is not accurate at all that needs to be removed I have never lost possession of my vehicle, it is outside my house as I Type. 

4. Under 15 USC 1666B this is a billing error. This always paid as agreed ON TIME. This is an error. 
XXXX XXXX XXXX  Account Number : XXXX Remove these inaccurate reported late payments. 

5. Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted all XXXX credit bureaus as well as XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$9200.00} balance and it is also reporting a high credit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX year history it is not uniform across the board which it should be ... terms of XXXX months is also being reported on a " charged off '' account ... .look at the XXXX year history as well ... there are so many inconsistancies
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : In a recent review of my credit reports, I noticed an inquiry that I do not recognize and believe to be fraudulent or not related to a proper/authorized purpose. 

The inquiry in question specifically is as follows : " FIRST TECH FEDERAL CREDIT UNION '' - XX/XX/year> : -- - Appears On Reports At : XXXX I would like the bank to provide proof that the inquiry was for a legitimate/authorized purpose as well as explicit evidence that is was requested by myself. Any documentation that they feel proves this, I would like to be sent to me directly via the CFPB 's complaint handling system for my review. 

If they are unable to prove that the inquiry was, in fact, for a legitimate business purpose and requested by myself, then I would like it to be removed immediately. 

Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts on my XXXX  credit report that belongs to another person multiple and transunion says they will remove and has not removed it. It does not belong to me. Im a victim of identity theft.
Product: Credit reporting

XXXX XXXX billed the wrong health card for services rendered. When I contacted them and provided the correct health insurance the situation was resolved. And the bill was paid in full. I have spoke with the collection agency and they assured me they would contact the Biller and remove this from my report.
Product: Debt collection

on XX/XX/2021. Midland Funding increased my debt by {$580.00} without notice or to reach out to me. I have called previously last year and gave them my address and they have never sent anything to my correct address. now I am calling them because I saw the increase on the debt and wanted to try to work a payment plan. but they stated that they have contacted my employer to do wage garnishments without even notifying me.
Product: Checking or savings account

I opened an checking account with Chase back in XX/XX/2021, and prior to recieve my debit card, i got locked out from my chase mobile app. i couldn't gain acess to my account, so i called customer support, and they told me to go to the branch to solve it. and the staff at the Chase branch ( XXXX XXXX XXXX, XXXX, NY XXXX ) told me they need my premanent resident card to verify my identity. but at the time, i only brought my drivers license and my passport with me. they told me that they have to close the account, and when i asked about the remaining funds ( {$3000.00} ) in the account, they refuse to issue me a check in person, told me that they will mail check to me ( 5-8 business days ). after XXXX weeks, i still have not received the check. so i called them, and they told me they put a stop payment on the first one and issued me a new check, another two weeks past, still not in the mail. so i called customer support again, they told me to get a ( declaration of lost cashier 's check ( mailed XXXX jpmorgan chase and never received ) and have it notarized and fax over to them. i went to the branch did what they ask me to do on XX/XX/2021. i have the original file with me. another XXXX weeks past, still nothing in the mail. not even getting the first check or second check that they claimed mailed out. when i asked them about the letter with the check ' tracking number, they couldn't provide it. it is really frastruating after spending hours on the phone ( they put me on hold ) and today is XX/XX/2021, XXXX and an half month after the account closure. i still have not got the check ( {$3000.00} )
Product: Credit reporting or other personal consumer reports

lVNV never notified me of purchasing my debt. XXXX XXXX never notified me about the debt. XXXX XXXX sold my information and debt in violation of 18 USC 1028. By submitting these to the credit bureaus the violated 15 USC 1681. They are also in violation of 15 USC 1692c. These are the accounts. XXXX, XXXX, XXXX, XXXX. These accounts are actually the XXXX XXXX XXXX XXXX XXXX XXXX XXXX digits. They were reported after selling the debts. Please remove these items from my reports. 

XXXX XXXX XXXX XXXX please call if needed XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used without my authorization and or knowledge to open an Auto loan with XXXX XXXX  XXXX XXXX. These accounts were open fraudulently. I have tried to contact the bank and resolve this account but have been unsuccessful.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXXXXXX XXXX XXXX XXXX 
Account name : XXXXXXXX XXXX XXXX XXXX XXXX. 
Account name : XXXX XXXXXXXX XXXX  has violated my rights. 

I looked at my XXXX 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 general, 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: Checking or savings account

I received a welcome email from Chime directed to " XXXX '' and another email confirming the direct deposit information, which includes the checking and routing account information fully. I am not XXXX and this is not my banking information, but someone from Chime used my email address and now I have somebody's personal financial account information! What the heck do I do with this?
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 writing to formally dispute the collection/closee account listed on my credit report. I am not liable for this Debt of {$1000.00} with XXXX I did not sign a contract with XXXX and I didnt receive Verification of the debt via the original Contract Account number : unknown i was listed as an authorized user to an account belonging to XXXX XXXX XXXX XXXX I notice discrepancies in the personal information section, which I believe is inaccurate. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate and verifiable information on my credit report. I am requesting that this collection account be investigated and removed if it is found to be inaccurate or unverifiable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Reason for Dispute : 1. I have not been afforded the opportunity to dispute the account in accordance with 12CFR 1006.34 ( c ) ( 4 ) ( ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. XXXX. XXXX has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 3. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfil their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). XXXX is flagrantly disregarding consumer protection statutes. I demand that CFPB investigate these egregious Legal Basis for Dispute : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 611 of the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. The credit bureau is required to investigate the disputed information and ensure that it is accurate and verifiable. If the information can not be verified, it must be removed from my credit report. 2. Fair Debt Collection Practices Act ( FDCPA ) : Under Section 809 of the FDCPA, I am entitled to verification of the debt from the collection agency. If the collection agency can not provide proper verification or validation of the debt, it must cease collection efforts and remove the account from my credit report. Request for Action : I request that you investigate this matter and provide me with the results of your investigation. If the collection account is found to be inaccurate or unverifiable, I ask that it be removed from my credit report. Please provide me with written confirmation once the correction has been made. Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law.
Product: Debt collection

After receiving a notice from my credit monitoring company. The information states there is a new negative item reporting on my credit report. After reviewing the item, I immediately contacted the collection agency at the number provided on my credit report. I informed the collection agency I do not owe any moneys toXX/XX/XXXX. I also asked the collection agency to please provide any signed authorized documentation proving the debt is mine and the alleged final bill, which required by law, sent to consumer prior to sending debt to collections. I have not received validation of debt!
Product: Debt collection

This is a complaint from XXXX XXXX against Midland Credit Management for Midlands failure to provide requested information for the debt alleged. Midland has been attempting to collect on a debt that consumer does not recognize. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/18, XXXX responded with a short paragraph of information on the debt ( attached below ), but none of the requested documentation, including a chain of title showing ownership of the debt by XXXX. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the credit bureau stating that there is incorrect information on my XXXX   XXXX XXXX account on my credit report. 

The issues are there is no DATE OF LAST ACTIVITY The account is reporting Charged off 3x on my credit report. 

I told the credit bureau to delete the account because of the incorrect information instead they credit bureau reported that the company " verified '' the account and updated the payment history with a CO " charge off '' for XX/XX/2018 2018
Product: Credit reporting or other personal consumer reports

It looks like FCRA 605B necessitates the removal of any inaccurate accounts from my credit report. Can you examine the documents? There are inaccuracies in the listed accounts, including incorrect amounts and dates.
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. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

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. 

XXXXXXXX XXXX XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy. 

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

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

I WAS TRYING TO GET MY REPORTS AND BY MISTAKE I LOST THE PAGE. NOW I DONT HAVE MY REPORT AND IT SHOWS AS I ALREDI PULL IT.
Product: Credit reporting or other personal consumer reports

These inquiries are unauthorized inquiries on my credit report that i would like to remove. 

I am a victim of identity theft. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My previous address needs to be removed from my credit report.
Product: Mortgage

Loan Number ( Loan # XXXX ) XXXX XXXX XXXX XXXX SC XXXX We were notified XX/XX/XXXX that the servicer BSI Financial had no record of us having insurance for the period of XX/XX/XXXX- XX/XX/XXXX therefore the company BSI must force us to pay an additional {$310.00} per month on our payment due to escrow shortage. This address is listed below : BSI Financial Services XXXX XXXX XXXX XXXX XXXX, PA XXXX To remit overnight payments, mail to : BSI Financial Services Lockbox Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Customer Care Phone : XXXX Customer Care Fax : XXXX We took the following actions called them on XX/XX/XXXX, called on XX/XX/XXXX and faxed on XX/XX/XXXX still no corrections made and they are changing our payments to {$1500.00} effective XX/XX/XXXX. This is not fair to us because the error was made BSI Financial. We want payments corrected
Product: Credit reporting or other personal consumer reports

I have reached out to WF CRD SVS for a the original singed agreement document.