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

I just recently looked at my Trans Union credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. 

XXXX. [ XXXX  XXXX ] This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. [ XXXX. XXXX ] This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. [ XXXX. XXXX ] This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 4. [ XXXX. XXXX ] This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 5. [ XXXX XXXX. XXXX ] This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Debt collection

I have spoken with Transworld Systems Inc attorney for possibility of settlement. Here attached is an Affidavit of Truth and Facts with exhibit and invoice for FDCPA violations that has been emailed to XXXX XXXX at XXXX. 

If myself and Transworld System Inc. are unable to settle this matter, I will gladly present this Affidavit of Truth and Facts to the court as evidence of me trying to settle this matter outside of court.

I have yet to receive any proof that the debt collection letter labled Exhibit A has complied with the FDCPA 's rules and regulations for debt collection. Therefore, Transworld System Inc. is to present to me with a certificate in testimony that the debt collection letter labled Exhibit A is in fact compliant with the FDCPA and not subterfuge.
Product: Debt collection

My name is XXXX XXXX a federally protected consumer, and I am making this complaint against JPMCB AUTO for committing identity theft. I have never given JPMCB AUTO any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from JPMCB AUTO before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If JPMCB AUTO can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until JPMCB AUTO can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and JPMCB AUTO continues its collection efforts, I will file for litigation for actual damages caused and JPMCB AUTO will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit card

This credit card company Kohls/Capital One is reporting on my credit report {$1200.00} of debt. I requested proof bearing my signature on XXXX XXXX, 2016 because I do n't own or have ever owned this credit card and disputed the charge with them. They have failed to do so and also they have also failed to mark my account dispute within 30 days as the Federal law requires them to comply. I have sent three letter since that time they have not provided me with anything especially my signature and they finally way after 30 days marked it disputed. I have copy 's of them receiving my certified mail on XXXX XXXX, 2016 @ XXXX. I also have proof of my credit report printed 31 days later showing they have not marked disputed on my credit report. I am requesting removal on all three credit bureaus because its not mines and they have not gave me anything bearing my signature well over during the time the law required.
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against LJ Ross Associates , Inc. for committing identity theft. I have never given LJ Ross Associates XXXX Inc. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( XXXX ). 
I have never received any documentation requesting validation from LJ Ross Associates , Inc. before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( XXXX ) which the FTC defines as debt parking. If LJ Ross Associates , Inc. can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until LJ Ross Associates , Inc. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LJ Ross Associates , Inc. continues its collection efforts, I will file for litigation for actual damages caused and LJ Ross Associates , Inc. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

I have asked that these accounts be removed from my credit. No knowledge of them! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Money 4 you in XXXX, UT has already received a judgment for the debt. They keep submitting it to the court and they nor XXXX court told me my court date and the judge signed a XXXX XXXX XXXX XXXX XXXXt! I paid bail and showed up on the day and time of the court and they didnt tell me it was over XXXX. It made me late for the court cuz I was trying to download the app and log in to the app but it had already passed. So there is another XXXX  being issued when it wasnt my fault at all. Today Money 4 you has been texting me ( after I told them not to contact me anymore ) and they said if I make a payment they will get the XXXX  recalled and IT WONT GO BACK IN EFFECT UNLESS I MISS A PAYMENT!
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX, XXXX aka XXXX XXXX XXXX is located in South Carolina and is a collection company that is attempting to collect for Continental Finance on 2 debts in the amounts of {$2700.00} and {$2100.00}. I have previously notified the FTC that the accounts were compromised as a result of identity theft, yet rather than remove the accounts disputed through the proper channels, they have repeatedly reported false information to the 3 credit bureaus, XXXX XXXX, XXXX and XXXX. this has happened since XXXX of 2024. I have disputed the debt with them on 3 separate occasions and also with the 3 credit bureaus but they refuse to follow the laws governing the FDCPA.
Product: Credit reporting or other personal consumer reports

RESPOND TO ANOTHER TransUnion File NumberXXXX. I have been dealing with TransUnion for the past three months as I am a victim of both financial fraud and identity theft through coercion. Please see the attached legitimate documentation from U.S. law enforcement agencies. Please stop harassing me by repeatedly stating that TransUnion is unable to block negative reporting on my credit report. After all these months, I have provided more than just my electronic identity theft report filed with the FTC. You have everything you need, including my FBI letter and other documents from law enforcement agencies that have received my identity theft report. Please see the attached evidence. At this point, TransUnion is obviously harassing me, as I am a victim of a federal crime that you refuse to acknowledge. This is also a violation of the FCRA. If the credit reporting agency includes inaccurate information about the federal crime on the victims credit report, leading to negative impacts on my credit score, TransUnion is absolutely violating the FCRA.
Product: Vehicle loan or lease

I have tried several of time to work with Westlake financial a my car loan. I have a car loan with a interest rate of 23 %. I have even tried to pay my principal balance down to help pay my car note off and they will not work with me. I have also tried to refinance this car with serval other lenders and they will not refinance because it is a XXXX XXXX XXXX. Due to the year of the car and mileage i am unable to refinance. I have paid XXXX on the car and the car payment has went back up in the last year. Westlake is ripping me off tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$3900.00}
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THE INQUIRIES ACCOUNTS AND TRANSACTIONS I AM DISPUTING WERE OPENED AND MADE BY THE THIEF, AND NOT BY ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY : I DISPUTE THE FOLLOWING ADDRESS ON MY CREDIT REPORT THAT I NEVER LIVED AT OR DO I KNOW ANYONE WHO HAS LIVED AT THE FOLLOWING ADDRESSES : XXXXXXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX I DISPUTE THE FOLLOWING NEGATIVE ACCOUNTS THESE ACCOUNTS ARE NOT MINE I NEED THESE ACCOUNTS OFF MY FILE IMMEDIATELY!!! : 1.DEPT OF EDXXXX ACCT # XXXX 2.DEPT OF ED/XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX ACCT # XXXX ATTACHED ARE A COMPLETED POLICE REPORT FTC REPORT CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT IDENTITY THEFT AFFIDAVIT AND XXXX XXXX XXXX DRIVERS LICENSE. PLEASE DELETE THE DISPUTED ITEMS FROM MY CREDIT REPORT WITHIN FOUR DAYS AS REQUIRED BY THE FAIR CREDIT REPORTING ACT.
Product: Debt collection

From : XXXX XXXX XXXX To : Consumer protection financial bureau Thank you for the great service and assistant, recently I open a claim against ( XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX Authorized Retailer ), about a month ago, the concern that I has now with XXXX of the accounts, from ( XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX Authorized Retailer XXXX, open on XXXX XXXX XXXX with ( Num. XXXX ), and XXXX XXXX XXXX with ( Num. XXXX ) is ; the account XXXX XXXX. XXXX ) has been send to a different debt collection company name ( RECEIVABLES PERFORMANCE XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX ). Who 's billing me {$440.00}, for the early close based on my credit karma account information, that I have to open and monitor thanks to all these issues with ( XXXX XXXX and XXXX XXXX XXXX XXXX. Dish Authorized Retailer ), basically is the same issue stated on my first Complaint with the case number XXXX, resolve on XXXX XXXX, XXXX, with Related Case Number : XXXX, for the account ( Num. XXXX ), beside that, I am really grateful for all you have done in helping me in fixing these issue with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX.
Product: Mortgage

My husband and I applied for a refinance of of home and it has been a nightmare with the company called The Lender. Every item they requested we submitted and then they came back saying not right and wanted other documents. We started in XXXX and finally they sent a notary to close on the XXXX of XXXX. Unbelievable, the notary forgot to have us sign about XXXX pages and then the mortgage company said we didn't sign papers back in XXXX. So notary came to house again, to sign his missing pages and then we had to sign about XXXX pages and date the XXXX of XXXX. Plus they had sent the form for payment to be XX/XX/XXXX their error was supposed to be XX/XX/XXXX so had to resign that also. Her it is XX/XX/XXXX and we have not received our money. I did give them info to direct deposit and still no money. 
It has been a nightmare working with The Lender. So since they have not full filled contract and give us the money on the first of XXXX as stated in contact do we have any recourse? supposedly looking into what happened to money.
Product: Debt collection

enterprise has opened an account on my credit of {$490.00}. I am unaware of this charge and I would like it disputed.
Product: Credit reporting or other personal consumer reports

XXXX This Complaint still shows open But Experian sent me notification that it was completed, it wasn't!!! This company just does what ever they want and I really want something done about it. 
THEY THINK THEY CAN IGNORE THE LAW AND MY RIGHTS!!! I WILL HIRE AN ATTORNEY IF I HAD TOO. 
My Identity is still being compromised because of Experian and I'm over it
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this complaint to inform the Credt Bureaus that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i and 605b, and continues to report unverified information without providing any proof required by law. The Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

Home purchased in XX/XX/XXXX. Value re-assessed in beginning of XXXX causing additional tax statements to be collected. 
XXXXOn XX/XX/XXXX, I sent an email to XXXX ( per calling UWM ) requesting to pay additional XXXX  taxes due to tax assessment increase {$350.00} XXXXOn XX/XX/XXXX, I sent an email ( from XXXX ) to XXXX ( per calling UWM ) requesting to pay additional township and school district taxes- due to the assessment increase township- {$160.00} School- {$1400.00} XXXXOn XX/XX/XXXX, I sent an email ( from XXXX ) to XXXX requesting that i sent 2 emails requesting overdue taxes be paid- there is now a 10 % penalty. I called UWM ( united wholesale mortgage ) and this time they provided me the delinquenttaxes email to send statements to. 
-On XX/XX/XXXX, i called again since taxes were not paid. I was told to upload the documents to the UWM website secure message center- which i did. I was told they would escalate the situation and pay taxes. 
- I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX  that as of XX/XX/XXXX the unpaid taxes will be filed as claims in the XXXX XXXX dept of court records. I contacted XXXXXXXX XXXX XXXX on XXXX they stated that they sent a copy of the county tax request to XXXX XXXX Uwm 3rd party- who pays the taxes on XX/XX/XXXX, per their request. 
Current Amounts Due are : county- {$540.00} township- {$210.00} school- {$1800.00}
Product: Consumer Loan

I was laid off from my job about 2 weeks ago. So I called Chase Auto Finance to see what options I had. But also to see if my loan payment be extended 30 days. Basically, place my next month payment to the end of my loan ; thereby giving me an extra 30 days grace period. My request was denied because I have no job. I XXXX to him that by not granting my an extension, they are forcing me to default and eventually repocess my truck.
Product: Credit card

While on an XXXX XXXX flight, they offered an XXXX XXXX Citi Bank credit card. The offer could be applied for on the plane, or done through their website. I applied online, and so did my husband. The offer was for XXXX bonus miles if you spent {$1000.00} within the first three months of account opening. We were issued the XXXX XXXX cards. We both spent well over that amount within the first three months. The credit card company confirms this was done. I was scheduling my next flight, and noticed that neither one of us had our bonus miles on our account. We had miles for the dollar amount of purchases, but not the XXXX bonus miles. I spoke with a manager in the retention department that was baffled as to why we did n't receive the bonus miles. I was asked to send in the original offer that I applied for, which, by the way, is always a running offer on their website. It has n't changed since I applied. I did so, and have yet to get a response. They are unwilling to credit me the bonus miles that they offered me when I applied. Both my husband and I have done everything that was required to receive the bonus miles, but they will not give them to us. They keep telling me that they ca n't be sure that 's the offer I signed up for. Why would they have sent me an XXXX XXXX credit card, and give me miles for every dollar I have spent if I did n't sign up for this offer? That does n't make sense.
Product: Debt collection

XXXX is the number that keeps calling me. They have called FIVE times in the past three days. The call is a robocall claiming to be TD Bank. I do not and have never had an account with them. I asked to be removed from the call list and she wanted me to give her the last four of my SSN and address. I absolutely did not and told her to remove me from their call list or I will be calling an attorney.
Product: Checking or savings account

The bank I 'm with is not updating my transactions in real time for XXXX and delaying my deposit from them X/XX/2017 I have tried contacting them through social media and updating several times through the app.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 2 ) XXXX XXXX XXXX Account XXXX Is reporting I had ( 2 ) day lates which is not accurate I asked the credit bureaus to verify and they did not