23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially.

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY.

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as trascation agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Debt collection

On XX/XX/2022 at XXXXXXXX XXXX I drove into parking lot, it stated to enter credit card and to get out, it stated to insert credit card, i did and on the way out, same thing, insert credit card, I paid with credit card as appears on my statement. Appoximately XXXX XXXX later i get a serious of bills with by tag asking for over {$100.00} in late fees and threatening legal action or collection. 

It is a scam!!! I spoke to other people near XXXX XXXX and they say to watch out for that place. They make it impossible to dispute. Frusrated with this, i mentioned to my family at dinner and my son said they bullyied him on almost {$400.00}!!!! last year. XXXX XXXX XXXX is everything But professional. I will attached my credit card payment, the parking sign, the last bill, copy of receipt of my dispute request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XX/XX/XXXX Balance : {$8700.00} XXXX  XX/XX/XXXX Balance : {$3500.00} XXXX XXXX XXXX XX/XX/XXXX Balance : {$1300.00} XXXX XXXX  XX/XX/XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$8700.00}
Product: Debt collection

XXXX XXXX XXXX XXXX payments XXXX, XXXX and XXXX for {XXXX Charge off. This is not my account. We never received statements but learned this was on my credit report in XXXX XXXX.
Product: Debt collection

XXXX, XXXX and XXXX, I contacted all three credit bureau 's and asked for them for debt validation but it came back as verified. I contacted XXXX for debit validation because the reporting is inaccurate and they advised me that their system didn't go back for my account due to it being with Jefferson Capital Systems. I then contacted them and was told that there is no payment needed on the account and that the account has been paid to an 0 balance since XX/XX/2017. They also stated that they notified the company so the debt can be removed off of the credit report. The rep stated that she will send me a letter for proof. I received the letter and contacted XXXX once again then was told I needed to contact the three credit bureau 's. I contacted them and they updated my credit report incorrectly again. I have been battling with all five for the last three months and I need this account to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting XXXX since last year about the inaccuracies within my credit file that have not been removed from my profile. EQUIFAX IS PLAYING GAMES WITH ME!!! There are inquires on my credit report that do not belong to on my credit file that needs to be remove. I have been ignored for a whole year!! According to the FCRA COMPLIANCE PROCEDURES SECTION 607 ( B ) states that Accuracy of report must be 100 percent accurate or the account have to be removed and that's the truth I PROMISE I'M NOT MAKING THIS UP!!!!! 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. 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. LOOK IT UP ITS THE FCRA!!!
Product: Checking or savings account

I had an erroneous charge from XXXX in the amount of {$130.00}. I notified Huntington of this and filed a dispute, due to XXXX 's non existent customer service contact information. Huntington bank dropped the ball in so many ways. Their hold time for customer service is over XXXX hours at MOST times, especially with their call back feature. 

Sometimes, you don't get a call back. In this case, I emailed them evidence, and they still did not process my dispute correctly. They ruled the transaction was valid. Caused me an overdraft fee and also returned my items. Ruining my good name and reputation. 

I talked with a too many reps last week on Friday. The most rude one was XXXX. He should be fire. Please review his call. I then talked with a supervisor who was kind and told me they could see a credit coming back from XXXX ( I had to hunt this down myself with out the banks real investigation ). XXXX refunded me. 

XXXX took 3 business days to post this credit. Even though they noted it on ledger as " XXXX XXXX. A rep called me Friday to collect the money and she said she would make sure the fees were credited. She did not do what she said. I am verify disappointed with how this went. I don't trust Huntington at this point.
Product: Mortgage

I was refused my forbearance request for an extension of forbearance due to Covid related hardship currently in place until XX/XX/2021. ( See attached ) On or around XX/XX/2021, I was contacted by Chase that there are payments due on mortgage loan as I and my family were severely affected by coronavirus with emergency hospitalisations. On or around XX/XX/2021, I contacted all creditors/debt collectors seeking their payments including Chase and requested a Covid related forbearance. Chase granted my request on XX/XX/2021. 

I have requested an extension with my last request made and approved on XX/XX/2021 for the forbearance to be extended to XX/XX/2021. 

Despite of my numerous requests to extend the forbearance due to my Covid related hardship, I was refused further extensions and continuously transferred to incompetent agents abroad ( Presumably XXXX ) who repeatedly told me that they can not assist me. 

I am entitled up to 18 months of Covid hardship forbearance in accordance with the XXXX regulations. Yet, all my requests to extend the forbearance and discuss available options were purposefully ignored by Chase. 

I am respectfully seeking your intervention in obtaining additional 3 months Covid related forbearance to be provided by Chase in addition to your kind review of Chase current policies so that they would not ignore valid Covid related requests from XXXX XXXX like myself and would timely assist with any and all ( including forbearance ) Covid related hardships.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXXXXXX, PA XXXXSubject : Dispute of Unauthorized Hard Inquiry under FCRA Section 605BDear XXXX, I am writing to formally dispute an unauthorized hard inquiry on my credit report made by XXXX XXXX  in XXXX XXXX This inquiry was neither authorized by me in written form nor was I informed of its occurrence. I believe that this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, codified under 15 U.S.C. 1681c-2, and the Gramm-Leach-Bliley Act ( GLBA ), codified under 15 U.S.C. 6802.In addition to disputing the unauthorized inquiry, I am also filing a complaint against TransUnion for furnishing this inaccurate and unauthorized information on my credit report.Details of the Dispute : Date of Inquiry : [ Insert Date ] Company Initiating Inquiry : XXXX XXXXReference Number ( if applicable ) : [ Insert Reference Number ] Grounds for Dispute : Violation of FCRA Section 605B ( 15 U.S.C. 1681c-2 ) : This section requires credit reporting agencies to block information resulting from identity theft from a consumer 's credit report. I have not authorized this inquiry, making it an unauthorized use of my personal information, akin to identity theft. Therefore, I am requesting that you block and remove this unauthorized inquiry immediately.Violation of GLBA Section 502 ( 15 U.S.C. 6802 ) : This section restricts financial institutions from sharing a consumers nonpublic personal information without written authorization. By allowing this unauthorized inquiry, XXXX XXXX  violated my privacy rights and acted against federal law.TransUnion 's Responsibility : As the credit reporting agency that furnished this unauthorized information on my credit report, TransUnion has a duty to ensure the accuracy and legitimacy of the information it reports. By failing to verify the authorization of this inquiry, TransUnion has allowed inaccurate and harmful information to be placed on my credit report. 

Requested Remedy : I hereby request that : The unauthorized hard inquiry made by XXXX XXXX  in XXXX be permanently removed from my credit report.All records related to this inquiry be expunged, restoring my credit report to its prior state, free of any unauthorized entries.TransUnion take immediate action to rectify this issue and prevent the furnishing of any further unauthorized information.Please acknowledge receipt of this dispute and provide a written response detailing the actions taken within XXXX  days, as required by law.Thank you for your prompt attention to this matter. Should you require any additional information, please do not hesitate to contact me.
Product: Credit reporting or other personal consumer reports

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$5400.00} XXXX XXXX  XXXX XXXX XXXX {$2500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$1400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$2500.00} XXXX XXXX Balance : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX account # XXXX been reporting to the credit bureau this account for XXXX  years I explain to them I never had this account I attach a FTC report an identity theft report with this complaint lvnv funding is also the collection agency thats also reporting this account it is fraud an I want this remove from my credit profile an deleted. thank you
Product: Debt collection

I was in the first stage of the mortgage process and they pulled my credit report. I never received calls or letters about this report and they put it on my credit report. I called to verify this debt and they said I owe money from which they bought a debt from another company. After finally having my lawyer call, they sent me some in the mail that does not validate my debt nor has my signature on anything. Only the credit card statement they received from the original credit they bought the debt from. They said I need to pay or they will sue. They continuously report negative information on my credit report everyday. Im like how do I fix this if they cant verify my debt.
Product: Debt collection

The collection agency called my work place on XXXX/XXXX/2021. I was told by my employer there were people calling looking for me wanting me and saying something involving the law. I had no knowledge to this debt. By law all debts over {$600.00} the original company is required to issue me a copy of 1099-C when a debt is charged off with the IRS. I paid the alleged debt because I was threatened that the amount of money I had to pay if they involved the judged is alot more. I had reached out to them and send them a debt validation letter on XXXX XXXX 2021 and I haven't received any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Federal Credit Control continues to report false and inaccurate information on my credit report that I owe {$240.00}. I have disputed this account multiple times. This is not my account. I never used any services from this company. I am entitleded to a fair and accurate report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$18.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX BAL.OWNED : {$2000.00}, XXXX XXXX XXXX BAL. OWNED : {$5600.00}, 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

I am writing to inform you that I have been a victim of a data breach, and as a result, my personal and financial information has been compromised. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following account from my credit report. 
Account to be Blocked and Deleted : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/year> Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Check into C XX/XX/2019 inquiry
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX b ( permissible purposes ) read that XXXX XXXX XXXX read all of it On XXXX XXXX National Credit Systems added a balance of {$4400.00} from the apartment complex called XXXX XXXX XXXX The amount was from a lease of a deceased individual in relation to me. I was just a tenant in the apartment. This company did not have my permission to put this on my credit report.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint against XXXX for misreporting an installment loan as revolving credit on my credit reports with Experian, XXXX, and XXXX. The account in question is for a water system and functions as an installment loan, not a credit card. 

Despite contacting the creditor, they have refused to correct the classification of this loan and continue to insist it should be reported as revolving credit. This misreporting is artificially inflating my credit utilization ratio and negatively affecting my credit score.

I believe this misclassification violates the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : The credit bureaus are not ensuring maximum accuracy by reporting an installment loan as a credit card.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : The creditor has not fulfilled their obligation to provide accurate information to the credit bureaus.

In accordance with FCRA Section 611 ( 15 U.S.C. 1681i ), I am requesting that the credit reporting agencies correct this information within 30 days as required by law. If this account is not corrected within this timeframe, I request that it be permanently removed from my credit report as it is currently inaccurate and harmful to my credit standing. 

I kindly request that the CFPB investigate this matter and require the creditor to correct the account classification or remove the account entirely from my credit report if the correction is not made within the legal timeframe. 

Thank you for your assistance.