23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Happy Sunday! How can you placed a {$480.00} collection on my credit report without my knowledge, consent, or anything. Plus I didn't receive & didn't know you could dispute the debt. I will pursue legal counsel or help if this is not removed soon. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX on XX/XX/XXXX 2. XXXX XXXX XXXX on XX/XX/XXXX 3.  XXXX XXXX on XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is wrongfully reporting that I was late in paying three of my son 's student loan payments. I had no notice that payment was due for my son 's account nor did I know that payment had not been made. I should not be reported as having been late in making payments I did not know were due. When the credit alert service I subscribe to notified of company 's erroneous report regarding my credit I immediately contacted my son and made sure he rectified his accounts. In addition, the report is misleading as it refers to three separate accounts and yet lists just one account number for each separate erroneous report. This has caused substantial harm as the summary is that I have " too many '' installment accounts with a delinquent or derogatory payment status. Further it is misleading as it does not reflect the fact that I was a co-signer who was not informed a payment was due from the debtor. These wrongful actions have caused me substantial damages and prohibit me from refinancing my home. My credit would be perfect but for these wrongful reports.
Product: Credit card

This complaint, with the correspondence/affidavit attached, is in regard to the application submitted to American Express on XX/XX/XXXX, Ref : XXXX. The application was denied and an adverse action letter was received on XX/XX/XXXX instantly. As you may be aware I, the federally protected consumer, have a right to credit, and withholding my access to my securities is also securities fraud. It also goes against American Expresss FOURTH AMENDED AND RESTATED POOLING AND SERVICING AGREEMENT dated as of XX/XX/XXXX, the Prospectus dated XXXX XXXX XXXX the Uniform Consumer Credit Code and the Uniform Commercial Code. An eligible investment has been given and there hasnt been equal consideration. 

I've attached the correspondence/affidavit that was sent along with my Power of Attorney, XXXX Notice , Fee Schedule and identification and copyright.
Product: Credit reporting or other personal consumer reports

This complaint is regarding Experian reinserting an account placed back on my credit report without a 5 days before or after notice. Also and unauthorized credit inquiry place on my credit file. Accounts listed below. 

Account XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/2024 The presence of this account and Inquiry has adversely affected my creditworthiness, resulting in significant hardship, including denial of a home purchase. This is not fair that I have to request a reinvestigation on this matter. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate or misleading information on my credit report. Furthermore, under 1681i ( a ) ( 5 ) ( A ) and ( B ), I am entitled to receive notification at least five days PRYOR to, and/or five days AFTER, the reinsertion of any negative accounts. I did not receive such notification prior to reinserting this back on my credit report, which constitutes a violation of my rights. The lack of prior warning regarding the reinsertion of this account contravenes both FCRA and FTC regulations.

This is in violation of the FCRA 611 1681 ( I ) laws ( a ) ( b ) as well as 5 ( a ) ( b ) as well as the FTC law in which of my original FTC ID Theft complaint which include the original police report ( XXXX ).
Product: Credit reporting or other personal consumer reports

I have several accounts charged off that I never received, a 1099 C to count as income after companies wrote it off. Also, my mortgage is say late I was never late. I have receipts of the payments under that modification program and paid on time. Please advise the next steps to get my credit report updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hired XXXX firm on XX/XX/XXXX of XXXX, who is an organization that works on credit repair. They have been challenging and disputing information with the 3 credit bureaus, Experian, XXXX  and XXXX. Still the bureau is refusing to remove, which the items are past the statute of limitations, which are the following : XXXX XXXX XXXX. Account number XXXX opened XX/XX/XXXX reported type 120+ day late payment and XXXX XXXX XXXX XXXX opened XX/XX/XXXX reported type 120+ day late payment which are past the statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reports for collection of delinquent child  support, judgements, fines and liens may no longer be permitted. 

Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act. 

I have contacts all 3 credit reporting agencies with Notarized Letters to comply and they have disregarded my notifications and will not comply with the Federal Courts Ruling. Therefore they continue to cause damage to myself and my family 's well being due to these accounts not being removed from all credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first letter to Equifax about these acollections was sent in XX/XX/XXXX. I sent out verifications & validation letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Equifax only responded XXXX weeks ago, claiming that the collections had been validated, but they have not and do not belong to me. 

The FCRA requires you to preserve a copy of the original creditors ' documentation to verify my information. Your investigations " confirmed '' that these items are " reported appropriately, '' you wrote. Who approved these accounts? You have failed to provide me with a copy of any original documents ( a consumer contract with my signature ), as required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). In addition, you failed to submit Section 611 ( a ) verification ( 7 ). According to FCRA Section 611 ( 5 ) ( A ), you must " immediately DELETE all information that can not be verified. '' Civil liability is obvious, as are my remedies ( Sections 616 & 617 ) for breaching federal law. I am a litigious customer who intends to litigate in order to enforce my FCRA rights. 

I need these accounts verified or terminated right away : XXXX XXXX XX/XX/XXXX {$370.00} XXXX XXXX XXXX XX/XX/XXXX {$490.00} XXXX  XXXX XXXX XX/XX/XXXX {$61.00} XXXX XXXX XXXX XX/XX/XXXX {$130.00} XXXXL XXXX XXXX XX/XX/XXXX {$80.00} XXXX Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX and XXXX are all reporting Bankruptcies twice on all 3 of my Credit Reports. 

TransUnion is reporting 2 Bankruptcies dated :XX/XX/XXXX and XX/XX/XXXX. 

XXXX is reporting 2 Bankruptcies dated : XX/XX/XXXX and XX/XX/XXXX. 

XXXX is reporting 2 Bankruptcies dated :XX/XX/XXXX and XX/XX/XXXX. 

However, I have tried to dispute these inaccuracies with all 3 Credit Reporting Agencie : TransUnion, XXXX and XXXX. However, they have yet to MASK these items, from my Credit Reports. 

However, onXX/XX/XXXX after I disputed these inaccuracies with TransUnion, XXXX and XXXX. TransUnion and XXXX REMOVED the Bankruptcies, from my Credit Report, but then ADDED them right back on my Credit Report the SAME EXACT day! I have also attached proof of this with this complaint. 

I have also contacted the Federal State Bankruptcy Court that responded back to me via signed letter stating, That they do NOT REPORT any Bankruptcies to any of the 3 Credit Reporting agencies. I have attached this letter, from the Federal State Bankruptcy Court to this complaint.

I am requesting that ALL 3 Credit Reporting Agencies : TransUnion, XXXX and XXXX IMMEDIATELY REMOVE ALL of these Bankruptcies, from my Credit Reports. Because ALL 3 Credit Reporting Agencies are in violation, of the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX tried to rollover money from TIAA to XXXX. TIAA appears to be a Ponzi scheme and refused to complete the rollover. They must have hired XXXX XXXX to run the organization. Refused to return my original paperwork that was submitted. Refused to complete the rollover.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of XXXX XXXX. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any ACCOUNTS which were opened without my knowledge, consent, or authority within XXXX business days. 
XXXX XXXXXXXX Case Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries on my credit report. I have no knowledge of any of these.
Product: Credit reporting or other personal consumer reports

LEGAL ACTION BUREAU XXXX XXXX XXXX XXXX XXXX, FL XXXX Has reported a fraudulent account In which they have failed to provide any information or a contact
Product: Debt collection

XXXX XXXX XXXX  XXXX This is not my account I have never had XXXX XXXX. My info was stolen and used with out my knowledge!
Product: Debt collection

On Monday, XX/XX/2018 a phone call was placed to Choice Recovery inquiring on statement dated XX/XX/2018 with a total balance due in the amount of {$190.00} for a XXXX XXXX XXXX and to advise that the amount showing on the statement was paid directly to XXXX XXXX 's office and that they should contact XXXX XXXX 's office to verify payment. The representative from Choice Recovery demanded my medical insurance information for verification purposes in which I refused to divulge that information as Choice Recovery is a third party I had no relation with. I was then advised that if payment was not received the account would be placed as a collection in my credit bureau file. Choice refused to verify payment with XXXX XXXX 's office
Product: Debt collection

In XXXX my vehicle was reposssed by XXXX consumer. The vehicle was then sold and the amount due was owed. However in XXXX the account was sold from XXXX and they stated they no longer took over the account. In XXXX I was sued and a judgement was placed from Jormandy stated they were collecting from XXXX. The judgment was placed but I reached out to set up payments in regards to this. In XXXX I received a spam call from a company stating that XXXX was using them to collect funds and reached out to CFPB in regards to this. I received a notice from XXXX in response to the complaint with CFPB stating that they no longer had the account and another company had acquired it. I stopped making payments ( about {$700.00} ) as XXXX stated no company should be collecting funds for them and since have been contacted from Jormandy in regards to this. I do not owe them this debt and they are trying to take me back to court in XXXX for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Inaccurate Information - Urgent Removal Request Dear XXXX Consumer Relations, I am writing to dispute a derogatory delinquent account that was reported by XXXX XXXX on XXXX XXXX XXXX, which inaccurately states that I owe {$10000.00}. This erroneous information has significantly harmed my credit score and financial well-being. 
Despite my efforts to rectify this matter, XXXX XXXX  has failed to correct the inaccuracies. I provided evidence of double payments made, but they continued reporting late payments. Even after a year has passed, the incorrect information remains on my credit report, negatively impacting my financial standing. I lodged a complaint against XXXX XXXX  with the CFPB ( Complaint ID : XXXX ). 
I hereby request the immediate and permanent removal of this account from my credit report, as XXXX XXXX XXXX  actions violate my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates accurate credit reporting, and XXXX XXXX XXXX persistent refusal to rectify this matter is a direct violation of the law. 
As an affected consumer, I am entitled to seek compensation for actual damages, punitive damages, attorney 's fees, and penalties associated with FCRA violations. I urge XXXX to take swift action in accordance with the FCRA and remove this erroneous item from my credit report. 
Please consider the urgency of this matter, given the impact it has on my financial situation. I eagerly await your prompt response and resolution to this dispute. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA. this creditor has violated my rights under XXXX5 USC 1681, Sec 602, states I have the right to privacy, 15 USC 1681, Sec 604 ( a ), Section 2, states a Consumer Reporting Agency can not furnish an account without my written instructions! Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open ended Consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth:XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a car loan account XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Other Identity Theft Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$460.00} XXXX Account number XXXX Date fraud began : XX/XX/XXXX Date I discovered it XX/XX/XXXX Total fraudulent amount : XXXX several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Here is a list of the hard inquiries Credit Inquiries XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX in question as well proff that my information was breached by XXXX. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I had a dispute due to fraud that happed to PayPal was to issue a payment back to my bank but in fact, they took money from my bank instead of giving my money back. Transaction numbers are XXXX XXXX charges are for XXXX. My bank and I both told them they in fact never posted the money they took it. said there is an error on Pay Pal end. I sent proof and PayPal has refused me of all ways to have them fix this error. On their end, I have been trying to fix this but they refuse. They keep giving me the runaround and are claiming they never got a letter from me. Paypal on the phone stated they were in contact with my bank and that my bank told them that I was paid twice. In fact, my bank stated they never told PayPal that I was paid twice. my bank informed me that PayPal needs to remove anything negative due to them not giving me my money back. Also, Paypal has transferred me to disputes, collections and customer service and every time I call I get we paid you and stated my bank is lying. My bank is XXXX and knows the bank and they told me PayPal should no they never gave me those funds back. They did a reversal that took my money now they are refusing to take this from collections and are trying to collect a debt that is not owed to them. Their collection, customer support team stated that XXXX is a lier and is not doing their job. Paypal is trying to collect a debt over a balance that is clearlyt not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX  US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX/ XXXX XXXX/XXXX  XXXX XXXX   XXXX XXXX  XXXX XXXX , TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX  US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX/ XXXX XXXX/XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX  US DEPARTMENT OF EDU 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 # XXXXXXXX XXXX XXXX XXXX Account number # XXXX XXXX XXXX account number # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX account numbe XXXX XXXX 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 Consumer reporting agency cannont furnish a account without my written instructions