23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I started to receive emails from a company i have not contracted with. They claim i owe them XXXX XXXX XXXX for something. I have never heard of them until they started reporting to my credit recently and searched the name in my email box and it says its from another company i never heard of. 

The continuous reporting of this false debt not only violates my consumer rights to privacy but also constitutes false misrepresentation, mail fraud, and identity theft. The repeated sale and re-aging of a charged-off debt, along with ongoing collection efforts as recent as a week ago, are clear violations of my rights. This is a violation of 15 USC 1692e ( 8 ). More specifically, 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 ).

The financial harm caused by this situation has severely impacting my life. 15 U.S.Code 1692a ( 6 ) states bounce ai and subsequent buyers are all debt collectors by law. 15 U.S.Code 1692c ( b ) law. However the debt collector, bounce ai and the subsequent debt collectors have communicated with the all caps name principal obligor, XXXX XXXX XXXX and has always referred to my principal obligor and not myself the agent, natural person and consumer in fact. This is a violation of 15 U.S.Code 1692c ( b ).

I also did a certified search for any debts owed by me to others in the state of GA and there are none. Please see attached ucc lien search. How does one owe with a debt collector who is not registered and also has not filed a lien since the alleged debt was owed. Where are they getting their debt validated from?
Product: Debt collection

I haven't supplied proof under the doctrine of estoppel by silence, Engelhardt v.Gravens ( mo ) 281SW 715,719, I presumethat no proof of the allege debt, nor therefore any XXXX such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion on XX/XX/XXXXin regards of an account on my credit report that was reporting accurately. They told me to send in proof of payment. In which I faxed to them the letter from the creditor stating the account had been paid. I received a letter from Transunion dated XX/XX/ stating that the information they are reported is accurate. I sent Transunion the paid in full letter and they still wont update my credit report and thats all I wanted them todo.
Product: Credit reporting or other personal consumer reports

This is not a regular dispute. My credit report is being affected by items that are not both 100 % accurate and fully verifiable. I have been living with a friend because my score is affected by these inaccurate items and am not able to get my own apartment.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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 generallf, 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 furnis
h 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.

15 U.S.C. 1681B ( 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: Checking or savings account

Credit Karma " Save '' does not allow you to withdraw more than {$50000.00} monthly from the account. At one point due to high savings interest rates, I deposited the majority of my funds, to the sum of almost {$200000.00} into the account... I have since been trying to remove the funds as I am trying to potentially purchase a property. They are restricting the access to said funds and only allow access to {$50000.00} per calendar month. Furthermore they have since massively reduced the interest rates on said funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} Outstanding Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XXXX XXXX, XXXX Original Creditor Status Closed Type Individual High Balance {$770.00} Unpaid Balance {$0.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Account Information Disputed By Consumer Collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX XXXX XXXX
Product: Debt collection

XX/XX/2020- I often get scam calls on my i-phone. If the phone has a name, I pick up-if it's an unknown number, I don't pick up. Often the phone will state SCAM. I kept getting a call fromXXXX XXXX an unknown entity so I didn't pick up. THEN that caller phoned two of my friends! How could they have my friends ' numbers? My friend picked up and the caller asked for { my name } so my friend asked who they were and they said directrecovery Inc. so my friend gave me that number. I called what I assumed was a debt collect agency. They said I had a debt with XXXX XXXX XXXX and I told them I have never ordered anything ever from that company. They stated they would proceed with collecting the debt from my bank account. THEN they hung up. I tried to call back and no one ever picked up. They would not tell me the amount of the false debt. How could they have my bank account? How did they have my friends ' phone numbers? How can I stop them if they somehow have access to my bank account?
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 XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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

When you apply for a new loan or line of credit, a hard inquiry may appear on your XXXX credit report. Hard inquires are made by lenders and may negatively impact your score. XXXX makes a soft inquiry, meant for consumer education. Soft inquiries may appear on your report, but they do NOT impact your score. Below are all of your inquiries. 
Creditor Name Inquiry Date Type XXXX XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XX/XX/XXXX Miscellaneous, Not Elsewhere Classified XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX Department & Variety Stores XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XXXX XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XXXX  XX/XX/XXXX Automotive XXXX XXXX XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XX/XX/XXXX Finance
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 XXXX  Account NumberXXXX 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

Military star card is harrassing and placing false information on my credit report after numerous attempts to get this matter resolved. Statuses of limitation shows they can only legally sue within 7 years of delinquency. They are reporting incorrect information such as dates and revolving amounts which are hurting my chances of purchasing a home. The predatory rates for a military affiliate are killing my chances of living an American dream and killing my future. This company refuses to be compliant and work with an XXXX individual. This company refuses to validate the debt and send documents requested. I have the right to request verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with Basel 3 accord and u.n.c.i.t.r.a.l conventions. I would also like a copy of the Tax Registration Certificate! The company refuses and they are rude and biligerent when you are trying to communicate.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX ACCOUNT ( S ) /ITEMS DELETION LETTER OF IDENTITY THEFT & FRAUD XXXX ( IDENTITY THEFT & FRAUD ) EQUIFAX VIOLATION FCRA Letter Date : XX/XX/XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : PLEASE REMOVE THESE ADDRESSES AND NAMES THEY DO NOT BELONG TO ME. : XXXX XXXX XXXX XXXX FL XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX PLEASE DELETE THESE ADDRESSES FROM CREDIT REPORT MY CORRECT NAME AND ADDRESS IS : XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX FTC REPORT XXXX : THE POLICE REPORT # : XXXX Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Checking or savings account

I received a debit card for Wells Fargo in the mail for an account that I hadn't opened. I initially started by calling and reporting this via a fraud line. Nothing was done. I went into a branch and was told that even though the account was assigned to me, my ex-husband 's information was listed as my home address, they could not close it. It took over six months for them to close this account that had no money in it. I was receiving statements for a bank account I couldn't close on the basis of a fraud investigation. No funds were ever withdrawn from this account. After many attempts they finally closed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on XXXX XXXX last night and my data has been breached, when I try to apply I get kicked off of the site. I have called three times, I am left on hold for over an hour. Site mentions that I can call XXXX from XXXX, when I try to sign up, I get kicked off. I am concerned with my data being breached being I have already been a victim of ID theft four times, it has effected my credit file and score.
Product: Credit reporting or other personal consumer reports

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

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} 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
Product: Bank account or service

What 's up with these XXXX banks, forcing us, against our will, to use their flawed, chipped cards? On XXXX XXXX, 2016 I stopped to get some groceries on my way home from work. I bought XXXX dollars worth of food and was told at the check stand my card was refused. On XXXX XXXX I called my bank ( Chase ) and was informed that they de-activated my ATM card, which expires XXXX, and that I HAD to use the chipped card that they sent me. I told them that I never received a new card from them, that I did n't want to use a chipped card, and that short of going into the bank for each and every transaction that I had no access to my money. Their response was that they could direct me to a place where I could go to pick up an expediated card! their card is flawed! I 've seen Chase Customers go up to Chase ATM 's and walk away saying that the ATM was broken. I put my non chipped card in and the ATM worked just fine! Many stores are NOT or only partially set up to use a chipped card. A flawed system should not be foisted upon people who do n't want it. When they came out with a finger print option on your card, it WAS just an option. Now Chase and a few other banks are forcing customers to use a flawed system and I 'm unable to reasonably be able to access my funds! Ca n't Chase and these other banks be told to honor their customers valid ATM debit cards? Is n't there a way that they can be forced to give their customers a choice as to the service they want? XXXX shoe does NOT! fit all! I 've received absolutely no prior notice from Chase and they are denying me proper access to those funds.
Product: Credit reporting or other personal consumer reports

This account was disputed with the FCRA. It was agreed to with the original creditor that this would be removed from my credit profile, but it still has not been removed yet to date and this is greatly impacting my credit score and future ability to open credit. This account MUST be removed immediately as it was incorrectly reported onto my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX and I received my credit report to find that Experian is reporting a XXXX XXXX Account completely inaccurate. Its still showing as a derogatory account when it has in fact been paid in full and is no longer in Collection/Charge off status.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX living in the XXXX XXXX. 

I am new student starting at the XXXX XXXXXXXX XXXX  XXXX XXXX XXXX and the XXXX on XXXX XX/XX/year>. I was advised by the XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bank of America Account : Account Holder XXXX XXXX XXXX XXXXXXXX. For USD {$5700.00}. 
I made this transaction yesterday XXXX XX/XX/year> through the XXXX XXXX XXXX to the Bank of America Account, XXXX XXXX, New York ( see attached Receipt of transaction ). 

Surprisingly, the University emailed me today XXXX XX/XX/year> to say that I should cancel the payment. Unfortunately, as the money has been lodged into the Bank of America Account, only the recipient could cancel or return the money. 
Also, I was taken aback that the University says that it can not access the money in the account as it has an issue with bank ( see attached chain of email correspondence ). 

I would appreciate it if you could help me in any way for the Bank of America to stop the payment and return the money to my XXXX  Account ( details in the attached receipt of transaction ). 

Also, I find it frustrating that the Bank of America has no contact details such as email address or a telephone or web chat facility that one can use to contact the Bank of America when in distress without first having to provide an Customer Account number or American Identity. I appreciate these are necessary but for a victim who is based in another country, it is near impossible to contact the bank. 

I look forward to hearing from you soon. 

Many thanks. 

Kind regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has missing tradelines from my credit report that was once on it. These missing tradelines include XXXX and XXXX. This missing information denies me the full financial responsibility for over a year of on-time payments.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding late payments on my credit record. Upon reviewing my records, I discovered these late payments. I sent letters about this issue over 30 days ago, but I have not received a response, nor have I been provided with satisfactory validation. I request your assistance in resolving this matter promptly and effectively.
Product: Credit reporting or other personal consumer reports

Im writing to remove these inquiries and all accounts that I do not recognize. They are related to my Trans Union credit report and social security being exposed during a security breach of multiple organizations. I received notification last week that my personal data has been exposed on the black web. I have completed and attached an FTC report stating that several hard inquiries and accounts are on my consumer FICO report that I did not authorize. 

XXXX XXXX XX/XX/year>. SS XXXX. Address : XXXX XXXX XXXX. XXXX, TX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of 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 ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent inquiry XXXX  date of inquiry ( XX/XX/2021 )