23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Between XXXX XXXX XXXX of 2019 I was contacted by a debt collector named XXXX XXXX with IQ data. He has called me every other day since XXXX when a rent payment was a month past due. I suggested a payment plan or a set date to pay the amount in full and i was told to get a credit card. Then he threatened that my credit would be impacted if I did not pay the amount in full before the end of XXXX. The debt collectors who I spoke with later threatened to sue me if I did not make a payment and pushed me towards a mental break down. I have mental health issues and they used vulgar language and pushed me to the point of an XXXX  XXXX.
Product: Debt collection

After reviewing my consumer report I've noticed that this company is reporting a collection account stating that I owe them an alleged debt. Not only are they reporting this account to my credit unlawfully, but they're calling me nonstop throughout the day at unusual hours. I contacted the credit bureaus that has this debt reporting and asked them to not only investigate this account but remove it if it can not be properly verified. How can I owe a debt if there was never an agreement nor contract between me and the creditor reporting this account? I asked this creditor to cease all communications with me unless they can properly provide me all of the documentation asked in my letter. included in my complaint is a copy of my letter to the creditor and a copy of my consumer report with the unlawfully reporting account.

Violations committed by the creditor : 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1692e - False or misleading representations
Product: Credit reporting 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered the following unauthorized inquires CREDIT TECH Miscellaneous and public record 10/11/2024 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for credit or authorize these companies to check my credit report. These inquires were made without my consent, in violation of the Fair Credit Reporting. I am requesting immediate removal of these fraudulent inquires from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed these items numerous times already which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. 


XXXX XXXX XXXX XXXX : {$190000.00}
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information regarding CFPB Complaint Number XXXX. Experian falsely stated that the XXXX XXXX fraudulent inquiry furnished on my consumer credit report did not exist. I've attached exhibit A which reflects the fraudulent inquiry furnished on my consumer credit report. The second slide in exhibit a shows where Experian deleted this inquiry, but they portrayed that it never existed. Their deletion is admission to guilt and their willful noncompliance in violating my federally protected rights under the Fair Credit Reporting Act.
Product: Checking or savings account

Capital One closed my checking account without me requesting it. I have tried to call customer service and went to the branch to find out the reason. I get sent to leave a voicemail and the branch tells me they can't see the reason only that Capital One decided to end banking relations with me. The check they sent me says " Customer Request Close Out - No Link '', but I did not request closing my account.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX didn't investigate the fraud reporting on my credit report. I submitted a dispute for all negative accounts reporting on my credit report to be removed. Two days later was notified the disputes would not be removed off my credit report. As the data breaches have happened, those accounts do not belong to me. I want them removed from my credit report. It is effecting my ability with credit and financing.
Product: Checking or savings account

On   XXXX   XXXX   XXXX     I went to Chase to close my account with them and find out that another account was overdraw and ask the Ban k Staff a t the can I close this account once I pay the amount overdrawn I was told no I would have to wait to the cash, Cashier is process in order to close the account. I would like is ther e United State Federal Reserve and United States Federal Regulation regarding this that   state if I was to deposit money not matter it is Cash or Cash Check from another Bank that I would be required to wa it unto the transaction is clear. What are in the United States Federal Regulations about closu re of account and Fraud Account is it legal to hold the customer responsible for Fraud that happen in an bank account debit card and will the bank require to investigate convicted the individual that committed the Fraud many of the banks are make the customer responsible for these charges and what happen to FDIC  Insurance on Unit ed States Banks  Accounts an whe n you open account are the Bank inform customer of the FDIC  Insurance on accounts hand out legal documentation Please investigate ensure that Chase,    XXXX   XXXX   XXXX  ,   XXXX   XXXX   and  XXXX   XXXX  are process and conducting Banking Product according to United States Federal Reserve and United Sta tes Federal Regulations and do the bank supposed to issue Bank Debit and Credit on the spot or is this conce rn a temporary Debit Card because this is was the United States Banks are doing.
Product: Debt collection

On XXXX I received my first email from MCM stating that they would be sending my information to their legal team if I did not pay them. I have not heard from them in any other capacity until that point. I do not know what the debt is for nor did they specify. XXXX XXXX was the email signature. There was no timeframe given in which I was to respond. I have not received any correspondence other than the email threatening legal action with no additional information.
Product: Credit reporting or other personal consumer reports

We purchased XXXX Acura XXXXXXXX XXXX XXXX with traded my XXXX XXXX XXXX XXXX and {$4000.00} down payment on XXXX XXXX  and deal was done and weve been driving the car almost a month. 

I realized that Ive received so many denied letter from BANK and I checked the my credit check history and I found out the dealer has checked my credit after our deal and got so many hard inquiries then my credit score is dropped for XXXX XXXX XXXX XXXX also havent paid off yet so we called the dealer and they told us that the bank denied the financing We were like???? We already done the deal and its been already a monththe dealer never contacted us or notified regarding the financing. 

We are the one who contacted but the dealer should contact us They offered us another deal which we pay {$25000.00} more down payment or get co-signer or return the car back We tried to contact Acura financial also customer service but they told us the vehicle hasnt registered under my name so they cant do anything When We return the car and get the traded car back and down payment back but. 
Isnt illegal that after deal is signed and a month laterthey cancel the deal??? 

When we asked them to provide deletion letter for the hard inquiries because of them, they told me that they can run the credit within 60days after I sign the credit application..yes I did sign but its only for the day we got deal and deal was done on XXXX, XXXX but they run my credit without my authorization on XXXX and XXXX XXXX  and they didnt even contact or notify us regarding financial issue they had.we are the one who figured out by denied letter from Several banks and contacted the dealer
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to rectify this situation but all they say is that it is my debt and I have to pay it. The problem is, I have no clue what this is or why its on my credit. I have not received anything from this company ... This needs to be removed from my credit report, I am not responsible for this debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXXSubject : Unauthorized Inquiries on My Credit Report Dear Experian Team, I hope this letter finds you well. Upon reviewing my credit report, I have identified several unauthorized inquiries that I wish to address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiry Type : IndividualI wish to clarify that I did not authorize these inquiries and have no association or dealings with the referenced entities. According to the Fair Credit Reporting Act ( FCRA ), credit reports should only be accessed for valid purposes, such as credit evaluations, employment verifications, and other lawful business endeavors. I am concerned that these inquiries do not meet the criteria for permissible purposes under the FCRA.I respectfully request that Experian conduct a thorough investigation into these unauthorized inquiries. Should it be determined that these inquiries were not authorized or lacked a permissible reason, I request their immediate removal from my credit report to maintain its accuracy.I trust in Experian 's commitment to ensuring the integrity of credit information and look forward to a prompt resolution. Please keep me informed of your findings and any actions taken.Thank you for your attention to this matter.Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

These delayed payments aren't in line with my regular payment history.
Product: Mortgage

In XX/XX/XXXX I modified my mortgage for a 30 year fixed rate which created a monthly payment of XXXX. In XX/XX/XXXX I lost one of my part-time job and Ditech told me about a mortgage foreclosure prevention agency in North Carolina. I applied and qualified, the granting agency through their credit consumer advised me that I did not have to pay the mortgage once I qualified for the grant. When I applied XX/XX/XXXX I was one month behind. Six months after the grant started  paying my mortgage, Ditech arranged with the granting agency to increase my monthly amount to XXXX per month. When I contacted Ditech they told me the original amount of XXXX on the loan modification would be restored when the grant period ended. Well almost a year later my amount was never restored to what the loan modification was and further they dont even have the loan modification now am I the one that is crazy, I have acopy of the agreement with signatures. So am I crazy no, but I am now facing foreclosure and my dad who is XXXX and very sick with XXXX and a double XXXX XXXX and XXXX XXXX XXXX lives with me. I am getting very sick and am at my wits end. What ditech has done to me and how they have failed to handle any of my complaints to correct the problem has made things worse. Further they have at times past denied I called and made a complaint. I don't know what else to do I just want the amount reinstated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian investigated to why an acct called XXXX card shows good status and bal. being paid but does not show payments made, and came back as fixed but still showed {$0.00} payments made for all payment history!! Please fix this. Thankyou see info below. 


Updated XXXX XXXX Information on this item has been updated. Please review your report for the details. 
Hide Details After Before JXXXX XXXX Account Name Account Number Credit Card Account Type Individual Responsibility XX/XX/XXXX Date Opened Open/Never late. 
Status Updated XX/XX/XXXX $ 25 Monthly Payment {$3000.00} Credit Limit {$930.00} Highest Balance NA Terms {$670.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount PAYMENT HISTORY ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Validate Chapter XXXX Bankruptcy XXXX..Please view verify and validate any and all information for this alleged account, all dates and all balances, regardless if reported or not .. Further, ensure act has adequate 436 digit P6 statement and five part personal identifiers
Product: Debt collection

CBE Group recently put 2 new medical collections on my credit. The only way I knew of them was seeing it on my credit report. They didn't send me a notice. Also I am already paying the hospital for these and they were sent to collection in error! XXXX is fixing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : Name : XXXX Acct # XXXX Name : XXXX XXXX  XXXX XXXX Acct # XXXX Name : XXXX Acct # XXXX Name : XXXX XXXX XXXX Acct # XXXX Name : XXXX  XXXX Acct # XXXX Name : XXXX XXXX Acct # XXXX Name : XXXX Acct # XXXX Name : XXXX XXXX XXXX Acct # 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. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeI have previously requested the credit bureaus there are constant inconsistencies in my credit reports, date opened, last reported, date last active, date of last payment, & payment history. I've tried multiple times to handle this with no success. They did not properly verify report and there are multiple inconsistencies.
Product: Debt collection

XXXX XXXX Email : XXXX XXXX : XXXX Ext XXXX Fax : XXXX Nationwide Recovery Systems XXXX XXXX XXXX . 
XXXX XXXX XXXX XXXX, TX XXXX My first call with this company, the initial gentleman was beyond sarcastic and laughed at what I said numerous times, even saying I have plenty of money to pay this bill. 

A couple of weeks ago, the phone is answered in XXXX and the caller said " for XXXX 's sake, it's Florida, speak in XXXX. '' Today, asking for their payment and explaining the situation, the caller said she was filing a harassment claim against me and notifying her supervisor. She called me, I didn't call her and she was in no way threatened as I know better as an attorney to do such a thing. She hung up on me. 

Their practices of harassment, sarcasm, and prejudice, and now threatening to file a harassment complaint against me is in no doubt a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is negatively reporting accounts that have been paid. The charges have been paid in full ; however, these accounts are still reported negatively. I have attempted to get this matter resolved with XXXX XXXX, however, they are making to attempts to correct their issue. This is negatively affecting my approval chances with other companies.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$650.00}.
Product: Debt collection

These individuals persistently disregard my explicit request to cease contacting me, despite my clear communication that their actions feel like stalking and harassment. Their conduct demonstrates a blatant refusal to adhere to both federal and state laws governing their operations. Moreover, they have repeatedly contacted my previous phone number, even after I explicitly instructed them to stop doing so. In a further intrusive and unsettling move, they obtained my new phone number from a list, seemingly with the intent to continue their harassment. 

To counteract their disruptive behavior, I have taken the precaution of blocking several of the numbers they employ for spoofed calls. For reference, here is a list of recent harassing calls from Portfolio Recovery : XXXX. On XX/XX/2023, at XXXX XXXX, Portfolio Recovery contacted me from the number XXXX. 
XXXX. On XX/XX/2023, at XXXX XXXX, Portfolio Recovery reached out from the number XXXX. 
XXXX. On XX/XX/2023, at XXXX XXXX, Portfolio Recovery made contact from the number XXXX. 
XXXX. On XX/XX/2023, at XXXX XXXX, Portfolio Recovery attempted contact from the number XXXX. 
XXXX. Again, on XX/XX/2023, at XXXX XXXX, Portfolio Recovery called from the number XXXX. 

I am deeply concerned about their persistent disregard for my request to stop contacting me and their apparent intent to evade my efforts to block their calls. This situation has created a significant disruption in my daily life and well-being. I seek your assistance in addressing this ongoing harassment and ensuring that my rights are respected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been disputing an XXXX XXXX account for a while. The credit agencies will not allow me to dispute even though this account is incorrect. I sent a dispute to the creditor and they were not able to prove that this account was mine. They sent me back a bill, which by law does not equate to proof. They have NOTHING with my signature. I sent this to the credit bureaus and they disregarded the info. They have sold the account and the creditor and agencies will not remove. This information is inaccurate and costing me. This debt HAS NOT been properly verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft : XXXX XXXX  has fraudulent accounts on my credit profile that need to be removed immediately. I am urgently demanding that the reporting of this information be blocked and deleted immediately. I further affirm that my request to block and delete this erroneous information is NOT being made in error ; nor is my request to block and/or delete this information being made on the basis of a material misrepresentation of fact by me relevant to any transaction by me as the consumer.
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not removing files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following items as they are fraudulent & were opened without my consent or knowledge In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number : Experian : XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.