23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

These Inquires are Fraudulent on my Equifax credit report did not authorize these companies to pull my credit XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX,, XXXX, OR XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX , NC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX , SC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX , NC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, LA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX, SC XXXX Dispute this XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX , SC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX , GA XXXX Dispute this
Product: Credit reporting or other personal consumer reports

I contacted TransUnion on XX/XX/year>, in regards to inquiries that I have not authorized, therefore should not be on my credit profile. I have informed them, that these inquiries were created without my consent and they remain on my credit profile. Attached is a copy of the letter I sent them, and a certified receipt of delivery.
Product: Debt collection

I saw on my XXXX and XXXX reports that AARGON submitted a collections file to my credit scores. To the best of my knowledge, I never been contacted by this company and have never communicated by any means. I have had 100 % on time payments for over 20 years. I would like proof of any and all methods, specifically certified mail correspondence, that they previously contacted me and made me aware of the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act These Accounts ; HAVE VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX 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 an account without my written instructions. 

In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.
Product: Checking or savings account

Chase is saying that they have not received my statement of dispute in which it was faxed in three times one by the branch and twice by me but they claim they have yet to receive it after telling me a provisional credit of {$12.00} XXXX would be in my account by XX/XX/XXXX no later than XX/XX/XXXX now they are saying i must fax another statement of dispute which I did this is all because XXXX owe me {$36000.00} XXXX and refused to give me my money so now chase is claiming that I never sent in statement of dispute to refund my money
Product: Credit card or prepaid card

Account is fraudulent and sent dispute letters to credit agencies and Comenity Capital Bank, spoke with supervisor 1 week ago, also told them that per O.C.G.A and F.C.R.A guidelines account needs immediate removal.
Product: Checking or savings account

I opened my business account with BB & T on XX/XX/2021. I had booked a reservation at the XXXX XXXX hotel they couldnt accommodate the room I booked and the room they had was infested with bugs so I received a refund for the full amount that was initially authorized. The amount of the refund was XXXX. When I realized the transaction posted and not processed back into my account I called BB & T to initiate a dispute. So the dispute was initiated and I was first told the merchant processed the transaction wrong. I also noticed another debit of XXXX from the merchant. I didnt authorize and I never stayed at the hotel. I provided my refund receipt. BB & T denied my claim stating that they couldnt help me and the merchant could take the money with no explanation even though I had my receipt showing a refund and no balance was owed. So then I found another XXXX XXXX XXXX XXXX nearby I stayed one which my card was authorized and charged the correct amount, then I stayed from the the XXXX to the XXXX of XXXX. I stayed from the XXXX to the XXXX of XXXX. The total amount should of been a estimated {$580.00}. I received my receipt where I was credited XXXX. A debit of XXXX posted to my account and XXXX remains pending since XX/XX/2021. 
The bank is posting what is supposed to be credit as debits. There is no way to speak with customer service. You have to have a pin which I did set up with the banker the it stopped working. The hold times are to an hour. My account is overdrawn - {$770.00}. Which it should not be. I was also charged a unknown overdraft fee for what I have no idea when I had enough funds to cover every transaction on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received Experian Credit Bureau notification XXXX XX/XX/2020 that score increased 5 points from XXXX to XXXX. Received next Experian Credit Bureau notification XXXX XX/XX/2020 that credit card balance fell to XXXX   along with credit utilization. Received very confusing Experian Credit Bureau notification XXXX XX/XX/2020 stating that credit score decreased by 13 points to XXXX. Called several times and been held on hold and transferred 5 different times spanning 2-3 hour window. Can not seem to get answer as to why credit score decreased when balance and credit utilization decresed to XXXX. It seems that the credit score should have remained the same or -- if anything increased. I believe that Experian is in error and should fix the backwards credit score error.
Product: Credit reporting or other personal consumer reports

Amex reports double balance amount to my personal credit report. 

My wife holds an Amex credit card and I was added as an authorized user of that account. On my personal credit report, there has always been two amex amount with exact same balance as my debts. The balance amount is the total balance of both my spending and my wife 's spending. 

For example, if I spend {$100.00} and my wife spend {$200.00}, then there would be TWO account balance with {$300.00} under my credit report. 

I've reached to amex chat channel, but the representatives said nothing they can do with that.
Product: Checking or savings account

In XXXX, I discovered that someone had been utilizing my debit card at a mall in a location that I was not near. I was out of state at the time. The total was {$900.00} worth of merchandise. I of course reached out to my bank who denied my claim for fraudulent charges and then closed my account fot violating the terms of agreement. I submitted documentation that I had been nowhere in the area, actual receipts with address on them. I was told not to contact them again about the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 accounts/items which do not belong to me or were opened without my permission. 

Addresses : XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX AccountXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Permissible Purpose : 15 USC 1681b Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) I expect TransUnion to conduct a thorough and immediate investigation into these fraudulent discrepancies and to permanently remove these unauthorized accounts. These fraudulent accounts were opened in my name without my knowledge and continue to cause irreparable harm to my personal integrity and financial standing. Pursuant to the FCRA, credit reporting agencies are legally obligated to block fraudulent information within four business days of receiving proper documentation. It is evident that TransUnion has failed to comply with this federal mandate. I am aware of my rights under federal and state laws regarding credit reporting and identity theft. I declare under penalty of perjury that the information provided in this affidavit and accompanying documentation is accurate and truthful. 

Fraudulent Accounts : XXXX XXXX # XXXX 1. Balance : {$9200.00} 2. Open Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. Balance : {$500.00} 2. Open Date : XXXX XXXX XXXX XXXX
Product: Debt collection

A judgement was filed against me in the XXXX XXXX XXXX in XXXX of XXXX. The relative case number is XXXX. The debt collection Attorney retained by the lender is XXXX XXXX XXXX from XXXX, XXXX XXXX XXXX XXXX a garnishment order XX/XX/XXXX. The total debt including interest and legal fees was {$4100.00}. 
In early XXXX I contacted XXXX XXXX XXXX and spoke with XXXX and reached a settlement amount of {$3800.00} to cure the debt. 

On XX/XX/XXXX, of XXXX I contacted XXXX XXXX XXXX and issued a payment of {$3800.00}. I was told that I would be sent a settlement letter, that the garnishment would be released and that if my pay was garnished beyond the settlement amount, that I would be issued a check to reimburse me for the overage. 

It is now XX/XX/XXXX, of XXXX and I have not received a settlement letter, however I do have bank records to prove that payment was issued to XXXX XXXX XXXX. My employer has not received the garnishment release and I have not received reimbursement for the amount garnished beyond the final settlement amount. 

In addition to the {$3800.00} that I paid to cure the debt, {$1000.00} was garnished from my pay. The settlement payment and the garnishment amount combined exceed the total debt amount of {$4100.00}. 

The overpayment and the continuing garnishment are all a result of delays by XXXX XXXX XXXX. These delays have created a financial hardship for me that has made it very difficult for me to cover my living expenses.
Product: Debt collection

So I am receiving a 2 letters from 2 different companies that I Owe a debt, that are now placed on my credit report TWICE. So I requested both companies to send me Verification with some type of signature which they BOTH failed to do. One company sent me a letter saying the debt was sold to them, the other one saying they are placing a judgment against me, garnishing wages from a place i am not even employed at,. Over all this is bringing my credit score down which is hindering my progress and financial stability. No proof of any debt WITH a signature was sent to me so I wouldnt even know who to pay or whos fraudulent. Im not admitting to the debt, Im seeing if any is valid, and if its not, then it should be deleted according The the FCRA!
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am writing to formally dispute the reporting of student loan accounts on my credit report. These accounts are inaccurate and unenforceable due to severe legal violations involving breaches of privacy and federal law, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act. 

It has come to my attention that my personal information associated with these loans was improperly accessed by unauthorized third parties, including XXXX XXXX and/or his affiliated entities. This unauthorized access constitutes a breach of my privacy rights and voids the validity of these debts. 


Legal Basis for Removal : 1. FERPA Violation : The improper handling and unauthorized disclosure of my educational and financial records violated FERPA regulations, which protect the privacy of student loan borrowers. 
XXXX. Privacy Act of 1974 Violation : The exposure of my personal information contravenes the protections guaranteed under the Privacy Act, requiring federal contractors and loan servicers to safeguard borrower information. 
XXXX. Breach of the Higher Education Act : The mishandling of my student loan information and unauthorized transfer without proper consent breached federal obligations to maintain the integrity of educational loan servicing. 

Given these violations, the continued reporting of these accounts is inaccurate and harmful to my credit profile.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : [ Account XXXX NUMBER : XXXX [ Account XXXX : XXXX NUMBER : XXXX [ Account XXXX : XXXX  NUMBER : XXXX { Account XXXX : XXXX  NUMBER : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. 

I request that the following actions be taken immediately : Investigation of the mentioned violations. 
Removal of the unauthorized accounts from my credit report. 
Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ). 
Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ). 
Notification of the correction to any person who has received my credit report in the past XXXX months. 
I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Midland Credit Management, for committing identity theft. I have never given Midland Credit Management, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with 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 ).

I have not validated any alleged debt with Midland Credit Management and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Midland Credit Management any right to collect on this alleged debt. 
I have never received any documentation requesting validation from Midland Credit Management, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Midland Credit Management, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Midland Credit Management, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Midland Credit Management, continues its collection efforts, I will file for litigation for actual damages caused and Midland Credit Management, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. 

Your prompt attention and response are both requested and required.
Product: Debt collection

This company came out one time for an insurance claim the insurance company requested that they submit paperwork as to what they did and the dry times on machines they claim to have here and they would never reach back out to the insurance and instead came after me for payment everyone else who participated in this claim have already been paid and the claim has been closed and all this company had to do was submit their paperwork so I called the debt company and told them that they were supposed to get me the paperwork they never have they wont return my calls they wont except my calls and now they put it on my credit
Product: Credit reporting or other personal consumer reports

I know that federally regulated reports and XXXX XXXX compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

XXXX - XXXX {$440.00} XXXX XXXXXXXX XXXX  - XXXX {$440.00}
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against XXXX and TransUnion for inaccurately reporting information on my credit report. Despite their assurances that the data is accurate, it is not, and it has caused significant damage to my financial standing. XXXX is in violation of 15 U.S. Code 1681s2, which requires furnishers to report accurate and complete information to credit reporting agencies. And TransUnion under 5 U.S.C. 1681e ( b ) regarding their responsibility to ensure maximum possible accuracy of consumer credit information and to remove or correct inaccuracies when documentation has been provided.
Product: Credit reporting or other personal consumer reports

I noticed hard on my report from XXXX XXXX i never gave XXXX XXXXXXXX permission to run my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding inaccurate information on my credit report as reported by TransUnion. On XX/XX/XXXX, I contacted TransUnion to dispute the following inaccuracies on my credit report. However, to this date, I have not received a response from them. I am providing the details of the incorrect information and the required corrections below : The following account is not mine : XXXX XXXXXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} ). Please remove it from my credit report. 


The account XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$250.00} ) has inaccurate evidence. The XXXX of {$250.00} reported by TransUnion does not correspond to the lower amount that I remember. The XXXX XXXX amount should not be provided for a closed account that was charged-off. As this misinformation has significantly affected my credit reputation, I plan to resolve this matter with my creditor. Until then, I request that TransUnion marks this account as disputed to prevent further damage to my credit score. 


The account XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$1500.00} ) is inaccurately reported. The XXXX amount of {$1500.00} is inflated and incorrect. I believe that the amount owed is lower than what is reported. Additionally, TransUnion 's inclusion of a Past Due amount for this closed and charged-off account is inaccurate. I intend to address this issue directly with the creditor to rectify the misrepresented information. Therefore, I request TransUnion to mark this account as disputed until a resolution is reached.