23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX at approximately XXXX, a male representative from Innovative Recovery Inc with a foreign accent decided to use only my birthday to verify it was actually " me '' he was talking to, stating my balance owed, the original balance, and whatever else that was listed on my account, not knowing it was actually my friend who had called to make a payment. After the male representative learned that it was not me who he was talking to, he stated he had to end the call immediately. So basically, this company isn't teaching their employees how to properly verify their consumer 's information. It's obvious that this company is teaching their employees to use only one piece of information to verify the rightful account owner. I have since disputed this account to be deleted for violation of the FCRA. Ever since XXXX, when I first made a payment, I have asked to be sent a copy of my contract with my wet signature upon it, displaying my balance and confirmation of payments. I have also requested proof of their license to collect debt and XXXX stated they don't provide copies of licenses to the consumer. I also asked to be sent an official letter with their letterhead attached, stating they would delete this account if I paid it off. XXXX insisted they only send letters once the balance is paid in full. It is XXXX and I have not received anything yet. This company is a straight scam and I would like a refund of my payments. I am not allowing this violation of my consumer rights and privacy to slip away. Thus company is too focused on receiving payments, they don't care who calls in to actually make the payment. Something needs to be done immediately
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX data breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

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

XXXX XXXX XXXX XXXX Submitted online dispute on XX/XX/XXXX. This account was included in bankruptcy, Experian is reporting as a " Charge-off ''. Dispute completed XX/XX/XXXX. No account changes. 

XXXX XXXX XXXX : Submitted online dispute on XX/XX/XXXX. Experian reporting account as late in XX/XX/XXXX and XX/XX/XXXX. I provided proof payments were on-time and paid as agreed. Dispute was completed XX/XX/XXXX. No account changes.
Product: Debt collection

Received a call about XXXX and XXXX XXXX Credit card account being past due. I was willing to may a payment for the min amount due which did not know at the time so I asked the collector. He said the XXXX XXXX card was XXXX and the XXXX card was XXXX. He I should round up both amounts to just make it even. It was tight but I did it. This was about XXXX XXXX on XX/XX/2018 from phone number XXXX ( XXXX ) XXXX. Later that night I went online to check and make sure the payments are correct. Well I seen the payments were there but when I checked my statements I was surprised to see that my payments were {$45.00} not {$67.00} and {$72.00} not {$99.00}. I tried to cancel both payments because I could have used the money else were. I just wanted to make the min. I tried to cancel multiple times and couldnt because it was after XXXX. I was very upset at this point and that is when I decided to call customer service. The agent tried to help me but end up having to ask a supervisor. After waiting 20 min he returned and said he talked to the supervisor and the supervisor said that they will attempt to revise the amounts. I feel I was mislead. I asked to put a compliment in because giving me the wrong amount is not right and I feel like I was taken advantage of. I can only imagine if it was so easy to mislead me then this has to be an issue. The agent said that he knows it was a collector. I dont know if I should contact a lawyer.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

Late Payment ( Equifax ) Company Name : XXXX XXXX  - Account # : XXXX
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.

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/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 XX/XX/XXXX XX/XX/XXXX I am asking for all of these inquiries to be removed from my credit report because they were not made by me nor did I give any of these companies pemrission to run my credit.
Product: Debt collection

Midland Credit Management Inc is reporting inaccurate information on my credit reports. I submitted a direct dispute in compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4 to Midland with supporting documentation and received an unacceptable response from Midland. A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor. FDCPA 803 ( 4 ). Midland Funding is not my creditor. I have attached a copy of my credit report showing where Midland has inserted a tradeline in my credit reports. This reporting is frivolous and inaccurate. Please see pages XXXX - XXXX of the attached credit report to view the inaccurate information. Also I attached a copy of the direct dispute letter that was sent to Midland certified return receipt requested.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I have included several documents for your review displaying the inaccurate/ Fraudulent accounts being furnished on my account from the following credit reporting agencies. XXXX, EQUIFAX and XXXX. 
This is not a third party filing this complaint.
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 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  Balance {$2.00}, XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX Balance {$250.00}
Product: Credit card or prepaid card

I have already cancelled one XXXX credit card over recent changes to terms with Firearms sellers. However the recent revelation that my major financial institution, Bank of America, is among those institutions looking at ways to track/limit my purchase of a legal product intended for lawful uses. ( XXXX XXXX XXXX ) has the potential to make it nearly impossible to go about daily life without agreeing to give up my fundamental constitutional rights. 

The ability to use a credit card with freedom from viewpoint discrimination is critical to life in modern society. The CFPB was created because it was understood that financial decisions by private corporations can destroy the lives of millions of individual customers if not handled fairly and honestly. Asking customers to expose themselves to having their transactions arbitrarily denied, or cards cancelled, based on what we choose to purchase is an overstepping of boundaries. Such decisions should only be made on financial grounds like card balance limits, not what is being purchased. 

Imagine a world in which your purchases are denied solely becuase your life choices do not match the whims of the corporation on any particular day. No XXXX transactions because our company makes more profit from large taxi companies. No political donations to members of the political parties that our executives don't support. Sorry, we can't process your monthly XXXX bill payment because our corporate cell provider is XXXX. Expressing your corporate opinion via charity or special incentives is one thing and is understandable. Forcing your corporate opinion in the private lives of your customers is another thing and is totally unacceptable. 

Just because these corporate policies take care to not stray into legally protected areas of discrimination like race and religion doesn't make viewpoint discrimination right even if it may not have violated any laws, at least not yet. No matter which side any individual takes on any issue, I doubt most customers want their credit card companies second guessing their individual purchasing decisions on a daily basis. The potential for abuse is just too large, and such policies may need to be regulated if corporations continue down this path.
Product: Credit reporting or other personal consumer reports

XX/XX/year>XXXX  I was made aware inquires and XXXX XXXX  account was fraudulently on my credit report. I was told to mail in correspondence, and I received a stall letter stating send a ID with social security card which I included in first letter to company. Still got no response. I am a victim of identity theft and I have been treated unfairly by the company when trying to resolve the issue.
Product: Checking or savings account

I'm literally up in knees exhausted with TD Bank. I had an overdraft and I quickly put the money in there so I won't get charged a fee. Two days later I get charged an overdraft fee. Apparently, there is no grace period which wasn't what I was told when I opened an account. Actually this never happened before as well so this is the first time I have been charged still even after the fact that I put funds to bring it to a positive balance. Also the fact I got charged XXXX it made my account negative which will result in another XXXX charge. I'm seriously consider closing my account and taking my services somewhere else. This is unfair.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX va, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Last 4 of SSN : XXXX To whom it may concern, I wrote you requesting validation of this alleged debt on XX/XX/year> As of today, I have not heard back from you. It has been 60 days. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, I can presume that no proof of the al-leged debt, nor therefore any such debt, in fact exists. 
In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 
For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( 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 you collection of this alleged debt?

4. Please send evidence your authorization to do business or operate in the state of Virginia.

5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Please remove the following Items as they are the result of Identity Theft : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX - XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$84.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$310.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3600.00} ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX  XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX  XXXX  Inquiry Date XXXX XXXX, XXXX ; XXXX  XXXX XXXX  XXXX  Inquiry Date XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Debt collection

I keep getting calls from Diversified Consultants Inc. the calls are being made via their auto-dialer system. when i answer the call it says " please hold for the next available representative '' after waiting 10 seconds i hang up. finally i got frustrated on XXXX/XXXX/16 and called back, a rep answered and i asked him to cease and desist all calls and all future communication should be via mail. the rep interrupted me and said " i already removed your number '' and hung up on me. i called back and asked for a supervisor, guy came on the line and ID himself as a supervisor. i told him about his rep 's actions and wanted him to file a complaint. he barley acknowledged my complaint and proceeded to try and collect the debt! then he tried to coerce me into disputing the debt by saying that 's the only way we can stop collections activity against me. i tried to reason with him and told him i have worked in collections for 10+ years and i know FDCPA policy and CFPB policies. you think that would have slowed him down a bit. it did n't! i tried to explain the debt was placed in error but he continued to tell me it was n't and it was a valid debt. i tried to warn him about his company 's auto dialer system is calling my cell phone and probably others and the risk involved with calling cell phones. he was n't interested. he either wanted to collect the debt or coerce me into disputing the debt after i already told him i am not disputing the debt the debt
Product: Debt collection

XXXX / XXXX / XXXX  contacted the company regarding hyperinflation of debt. Collector states amount owed is  XXXX  and additional fees ( undisclosed as to where or what these fees are  XXXX   XXXX . When I asked why the balance so much higher than what I had previously been billed. They lied and stated I did not properly cancel my account. I informed them I have proof and that I spoke with a representative at  XXXX   XXXX  by the name of  XXXX   XXXX . The collection representative refused to listen to my concerns, would not allow me to defend my debt nor offer me solutions to obtain data to correct the amount. She constantly spoke over me in a rude tone and belittled me if not chastised me for having an account in collections. The last statement I received on  XXXX / XXXX / XXXX  via email notified me of outstanding balance due to  XXXX   XXXX  in the amount of {$100.00}. I feel that this was a method to fraudulently obtain additional funds from me through coercion
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian lawsuit. 

I Feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ". 

Come with the receipts or be quick to delete.