23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In my last communication with EQUIFAX, they responded that they verified that the accounts that I disputed were accurate. I would like to know what method of investigation was used to verify these accounts and inquiries. 

According to 15 USC 1681b any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Was a court order issued or was my written permission given? This is defamation of character and aggravated identity theft. I have attached dispute letters with the accounts, inquiries and late payments that I want removed and updated along with an affidavit of truth. My next step will be a civil suit.
Product: Debt collection

I received services from a XXXX XXXX in XX/XX/XXXX. We reached an agreement on XX/XX/XXXX to pay {$950.00} to satisfy the debt. XX/XX/XXXX the debt was paid. In XX/XX/XXXX, I received a collection notice from First Collection Services saying I owed the debt. I reached back out to the company on XX/XX/XXXX, XXXX billing, and confirmed with the company the debt had been settled and the balance is {$0.00}. They sent me a receipt/invoice showing the debt had been paid and that the collection agency would be notified. I spoke with First Collection Service. I had called and spoke with the company several times regarding the debt being paid, who i spoke with, and that the original debtor would be reaching out. I was told by XXXX that it did not matter what the receipt said that the debt was still owed and she would send me the invoices. XX/XX/XXXX they mailed to me letters stating the debt was owed even though I sent them all the information and the original debtor stated they would reach out to their agency. I have this information in emails if needed. I am asking for assistance on helping resolve this issue or guidance or communication from the collection agency as to why I have presented receipts showing the debt is paid, gave them the information of who I spoke with, and that the agency would reach out to them. The collection agency is First Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. Again, I am happy to provide all correspondence I have in emails with the collection agency and the original debtor including the notification the debt was paid in XXXX of XXXX. Note that is XXXX XXXX XXXX XXXX almost a year ago. I have also reached back out to the original creditor again for assistance. Let me know if you need all the correspondence from emails, receipts showing paid, an itemized statement from the original debtor showing the account paid and the correspondence from the collection agency continuing to state the debt is owed.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed a multitude of inquiries by ( EXPERIAN, XXXX, & XXXX ) which I DID NOT initiate and am requesting removal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Trans Union has violated FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) because I requested information in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and Trans Union sent me NOTHING within the 15 Days required under this LAW. Instead I received information from Trans Union that 2 of the accounts listed below were VERIFIED again. 
I submitted my request via CFPB # XXXX and Trans Union acknowledged receipXXXX on XX/XX/year> and today XX/XX/year> I received NONE of the information that I requested. This is a clear VIOLATION of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and I could be privy to financial compensation in a court of LAW for Trans unions untimely response. 
I initially disputed these accounts via CFPB # XXXX due to my PRIVACY RIGHTS are being violated. 
I disputed using FCRA 602 states I have a right to PRIVACY and FCRA 604 ( a ) ( 2 ) states that a credit reporting agency can not furnish an account without WRITTEN INSTRUCTIONS from the consumer. Trans Union had no right to PUBLISH/ FURNISH the 2 accounts without my Permission/ Consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( SeeScreenshot ) Trade XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ( See Screenshot ) This is my SECOND REQUEST in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) for ALL the records that will reveal the procedures used that led to the 2 accounts listed above to be VERIFIED.Additionally, I am requesting the names of the person ( s ) that Trans Union spoke to regarding my dispute and their Business Name, Address and Telephone numbers. This information requested is in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and is required to be provided by Trans Union to me the consumer within 15 Days.Provide information requested or Delete the 2 accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries on my report all dated XXXX-18, inwhich I don't have any knowledge of, and according to the law of the FCRA if this is not met with tangible documentation then said accounts and/ or inquiries shall be removed.
Product: Credit reporting or other personal consumer reports

I have for years asked the credit report agency XXXX and Equifax to remove negative information that was not to be on my credit report either because the creditor agreed or because it wasn't valid after several times of asking them to investigate they would always come back and Not remove or research any of the items including a car loan and several student loans causing me and my family significant hardship and financial hardship also these credit report agencies are breaking the federal credit report act and need to be held accountable for such I have reported tese errors to XXXX and Equifax with XXXX luck I'm seeking my credit report to be corrected in a timely matter and to receive financial assistance for my hardship they caused myself
Product: Credit reporting or other personal consumer reports

Hello, I am very concerned about my credit. There was a fraudulent inquiry on my account made XXXX XXXX. ( XXXX ) I did not make this, please remove immediately and do not grant credit to this company.
Product: Checking or savings account

I received an offer from Citi about 6 months ago to open a checking account and deposit at least {$50000.00} to receive a {$700.00} opening bonus. I opened this account within promotion period, deposited funds within 20 days and maintained my balance for at least 60 days. Citi said " If you are eligible and fulfill the required activities, the Cash Bonus will be paid within 90 days after you successfully complete all required activities. " The last day to credit my bonus was XXXX XXXX, 2022, however, the bonus did not show up in my account. I reached out to them via chat and the first agent said she saw that I was supposed to get it and opened a case and it will take up to 5 business days to solve, case # XXXX. After waited for 6 business days I still see no change, so I reached out to Citi via chat again, second agent said wait up to 8 days and said I had to call and he can not do anything about it. The phone agent said I need to wait up to 20 business days to hear back and she can not do anything with it. This is nearly a month after the promised latest day to receive my bonus, Citi was trying to trick you to put your money in then make you wait forever. Those 3 agents did nothing but kicking the ball around. 

Here 's the chat history with the 1st agent : Customer Message I am contacting you because I wanted to find out why I have not received my cach bonus offer amount that I was offered when I opened my checking account. 
Read XXXXXXXX XXXX  Agent Message Yes I am also good thanks for asking. Need not to worry let me check this for you, allow me 2-3 minute. Please stay connected. 
XXXXXXXX XXXX XXXXXXXX Customer Message ok. thanks Read XXXXXXXX XXXX Agent Message XXXX I would like to tell you that you are completed all the criteria for bonus and I apologies for the inconvenience caused to you that you still not receive the bonus let me quickly raise a complain so you will get your bonus XXXX soon XXXX possible. 
XXXX XXXX - XXXX Customer Message Ok. Great. Thanks Read XXXX XXXX Agent Message Before we process this request, can I confirm with Yes or No if your contact information on records is updated? ( such as your account address, phone number and e-mail address XXXX XXXX - XXXX Customer Message Yes. The contact information is correct. 
Read XXXX XXXX Agent Message Thanks for confirming please allow me some time. 
XXXXXXXX XXXX XXXXXXXX Customer Message ok Read XXXX XXXX Agent Message Thanks for waiting XXXX. Your request is being passed for further research regarding your dispute. The investigation may take up to 5 business days. Responses will be sent after case completion. 
XXXX XXXX - XXXX Customer Message Sounds good. Is there any reference number you can provide me? 
Read XXXXXXXX XXXX  Agent Message here is the reference number for you XXXX.
Product: Payday loan, title loan, or personal loan

When I went in to cash a check they collected a portion of advance and charged me to cash check.
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. 

Consumer Portfolio XXXX  account # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX  XXXX ACCOUNT # - XXXX, XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # - XXXX XXXX/XXXX  ACCOUNT # - XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # - XXXX XXXX XXXX XXXX # - XXXX 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
Product: Credit reporting or other personal consumer reports

Im filling out a compliant an again XXXX failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C. s 1681l, which mandates a resonates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.ss 55.36 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Put an account on my report as a collection that I am unaware of I asked for validation ie drive license color original or original signature and was not provided with it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Collection Account {$170.00} Account # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX {$0.00} Opened XX/XX/XXXX Closed, 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
Product: Debt collection

All of my accounts have been hacked an I believe that BMW is behind it. Bmw has is doing everything that they can to keep me from getting to the right place to file a compliant they hack in my phone. They disable my car remotely. They have people following Me 24 hrs a day. I call the police but they do not want to help. They say everything they can to keep me chasing my tail. I've be hacked money frozen card towed illegally. Threaten all of these thing stim from bmw an this software they are developing for the driverless cars I THINK WHAT EVR IT IS ITS ON M6 CAR AN THEY HAVE WORKED WITH THE POLICE TO SEPERATE ME AN MY CAR. THESE PEOPLE FOLLOWING ME DISABLING MY CAR MAKING BREAKS GO OUT POWER SEEM TO BE DEAD THEN COMES BACK OVER HEATING THEN FINE IT'S LIKE THEY HAVE BEEN USING ME AS A TEST DUMMY. The police I hear are to be getting carS fRom bmw. My car is still in the pound police had a 3rd party pick up the car then called back in an said that I requested a tow. I have towing with bmw free I need help. I don't KNow what else to do when the police are involved in a crime an it seems that they will stop at nothing to keep me quiet they have put tires on flat take out fuses in my car so it wouldn't run. Hacked phone an have calls I call go to them. My name is XXXX XXXX XXXX XX/XX/XXXX. I don't feel safe. I was left in the middle of the street at night for 2 hrs an police drove by like I wasent their. I was taken to XXXX they tyed too wipe my phone 's clean I recovered them. Police helping these people that are following me please help. XXXX
Product: Credit card or prepaid card

Was on hold with CitiBank for 49 minutes and when a guy answered asked for my CC number they hung up super fast, called again and waited another 40 minutes and the didnt ask for my card number and actually let me speak. XXXX  werent doing deferments because of Covid 19, just like XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX, for the following account Numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. XXXX has constantly made mistakes regarding my payments. I have contacted and spoken to XXXX on multiple occasions and they have told me that these payments are not to be made through XX/XX/year> due to being in Student forbearance and switching of servicers. Yet, these payments are still being shown as late, which caused a significant drop in my Credit Score reported, which is unacceptable. This information reflected on my credit report is extremely inaccurate. Regardless, payments have still been made while in forbearance. The incompetency and inaccurate reporting has led from my Credit Score going from excellent to unfavorable in a matter of minutes.
Product: Credit card or prepaid card

On XX/XX/2020 my card was charged {$25000.00} for products that were never received. I contacted Capital One to dispute the charge on XX/XX/2020. On XX/XX/2020 Capital One reversed the temporary credit and mailed a letter to me denying my claim due to the merchant submitting fabricated statement of facts and false invoices. After contacting Capital One and requesting to submit a rebuttal to the merchant 's claims I was able to prove that the merchant submitted fictitious invoices to substantiate his claim but Capital One refused to accept my rebuttal documents and stated that based on VISA guidelines for dispute Capital One was not required to challenge the merchant 's submitted documents for legitimacy but was obligated to challenge the documents received from me to prove that my claim was valid.
Product: Debt collection

I was repeatedly contacted by IQ Data about a debt I do not owe. They are calling me constantly, harassing me, threatening me with suing, threatening me with credit reporting yelling, belittling, calling during business hours, calling my work, leaving repeated voice mails, calling back to back, day after day. They never sent me a letter detailing any debt or given me the opportunity to dispute the debt if a valid one existed. I have not verified any debt owed to IQ Data. I do not owe any money to IQ Data. I want the harassing phone calls to stop. They are calling all hours of the day about a debt that is not owed. They have the wrong person! This has to be against the law.
Product: Student loan

I am a co-signer for a loan. The student is not able to pay any amount towards this loan. I wanted to consider paying off a negotiated amount. I talked to a manager and was told they would consider 90 % payback. I asked the woman if I could talk to her manager. She told me he does not talk to anyone. So there is no one who will help me with this problem. The original amounts total {$4300.00}. It is now {$6400.00} because of interest. Interest rate are 9.625 % and 10.25 %. The lending instituted was not clear that this was a private company, leading borrows to believe it was a government agency. I feel this is dishonest and misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing because I am a victim of Transunions credit error in their system where they deleted my inquiries. They about a week later they reinserted them back but didnt folllow the legal procedure to do that. I did not get a letter from them saying that they were doing so. After this I called Transunion to get them removed. I listed to the agent all of my inquiries. She put me on hold to do an investigation. She came back on the phone and said that I would have to get letter of deletions from every company that I had an inquiries from. As well as send them a letter saying that I want them to remove all of the inquiries. Companies will not send me letter of deletions because they say I made those inquiries. Transunion would not resolve my issue. I would like the all of these inquiries removed. Here is a list of the inquiries along with the dates. 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX  XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX   XX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX
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. 

XXXX XXXX - XXXX XXXX XXXX - XXXX Personal Expense Collateral - XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXXXXXX XXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

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

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

There is a collection on my credit file that I've disputed about 3 times it gets removed and added back on this collection XXXX XXXX XXXX  in the amount of {$1200.00} doesn't belong to me. I've called TransUnion regarding the inquiry details on my credit file the six inquires doesn't belong to me with are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Please remove any and all unauthorized inquiries from my reports as I have no knowledge of ever filing any of these inquiries or giving anyone, company, or corporation permission to report anything to my report or was privy to any of these filings.
Product: Credit reporting, credit repair services, or other personal consumer reports

found out someone was using my ssn to open a XXXX XXXX XXXX XXXX  account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my seven endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX PL XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXX ) XXXXBalance : {$4400.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX ( Original Creditor : XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX