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

I received a copy of my credit reports, and I notice there are unauthorized credit inquiries made by CHRYSLER CAPITAL on XX/XX/2022. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act, as well as a violation of my rights to privacy. I am requesting your credit bureau and customer relations department to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the names, addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing a credit inquiry ; with my signature, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 15 U.S. Code 1681j, there should be no charge for this report.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX CARD Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, FXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXte of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX - XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

Midland Funding has repeatedly attempted to collect debts from me that are much more than the original creditor has asked. Theyve placed a number of shady accounts on my credit file and have yet to provide me any proof that I have agreed to pay any additional fees on my balance to them
Product: Credit reporting or other personal consumer reports

There are several unverified items on my report that I am requesting to be deleted per my legal rights under the FCRA - Fair Credit Reporting Act : XXXX XXXX XXXX XXXXXXXX This Account is unverified. Delete Immediately. 

XXXX XXXX XXXX XXXXXXXX This Account is unverified. Delete Immediately. 

XXXX Account XXXX. XXXX This Account is unverified. Delete Immediately. 

XXXX Account XXXX. XXXX This Account is unverified. Delete Immediately. 

XXXX Account XXXX. XXXX This Account is unverified. Delete Immediately. 

XXXX XXXX XXXX  Account No. XXXX This Account is unverified. Delete Immediately. 

XXXX Account XXXX. XXXX This Account is unverified. Delete Immediately. 

XXXX Account XXXX. XXXX This Account is unverified. Delete Immediately. 

XXXX Account XXXX. XXXX This Account is unverified. Delete Immediately. 

XXXX Account XXXX. XXXX This Account is unverified. Delete Immediately. 

XXXX Account XXXX. XXXX This Account is unverified. Delete Immediately. 

XXXX Account XXXX. XXXX This Account is unverified. Delete Immediately. 

XXXX Account XXXX. XXXX This Account is unverified. Delete Immediately. 

XXXX Account XXXX. XXXX This Account is unverified. Delete Immediately. 

XXXX Account XXXX. XXXX This Account is unverified. Delete Immediately. 

XXXX Account XXXX. XXXX This Account is unverified. Delete Immediately. 

Delete these unverified accounts immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act accounting # XXXX has violated my right. 
15 U.S.C1681Section 602A.State i have the right to privacy.

15 U.S.C1681Section section 604 A Section 2. It also State a consumer reporting agency can not furnish a account without my written instruccin. In addition to this account, you have different account numbers : XXXX for XXXX and TransUnion, and XXXX for XXXX, as well as several errors in dates and comments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I have reached out to all 3 credit bureaus multiple times to bring to their attention the presence of inaccurate charge-off accounts on my credit report, which are negatively impacting my credit profile and hindering my ability to secure financing for purchasing a home. I believe that these accounts have been improperly furnished onto my credit report, and I am now seeking assistance from the CFPB to rectify this matter. 

Firstly, I want to emphasize that according to the Internal Revenue Service ( IRS ), charge-off accounts are considered ordinary income and cancelled debt. As such, it is crucial that any charge-off accounts reported on my credit profile be accurate and compliant with applicable laws and regulations. However, I have discovered that the following accounts have been inaccurately reported as charge-off accounts on my credit report : 1. XXXX Account Number : XXXX 2. XXXX  XXXX Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX 4. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX 6. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX Furthermore, I would like to highlight that I have not received a Form 1099-C for any of the aforementioned accounts. The failure to provide a Form 1099-C, as required by U.S. Code 15 U.S.C. 1681eb, is a violation of my rights as a consumer. I firmly believe that the absence of this required documentation further invalidates the accuracy and legitimacy of these charge-off accounts on my credit report.

In light of these discrepancies and violations, I kindly request that immediate action be taken to investigate and rectify this situation. Specifically, I request that the CFPB promptly assist with removal of the aforementioned accounts from my credit report, as they have been inaccurately reported and are causing significant harm to my creditworthiness. 

Thank you for your cooperation and assistance in resolving this dispute. I look forward to a favorable resolution and the removal of these inaccurate charge-off accounts from my credit report. 

Sincerely, XXXX XXXX
Product: Credit card

On XX/XX/2017 I received a letter from my credit card company ( Discover Card ) that they have reduced my credit limit from {$4600.00} to {$4300.00}. They have not provided my any explanation for the action. I have been current and have never missed on all my payments. This lowers my debt to credit ratio thus lowering my credit score. This, in turn keeps the interest very high for this card, thus extracting more money from me in the form of interest. This is a form of " loan sharking '' and is illegal.
Product: Debt collection

U.S. Collections West, INC did not respond to everything I asked of them with the CFPB. I 've conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. <P/><P/>According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Dept of Ed- got 2 loans in XXXX for XXXX university. Totally XXXX. Paid some for years, was supposed to be forgivin in XXXX. Then without warning XXXX tax return was taken by dept of Ed for over XXXX XXXX The 2 fed loan are same 2 dept of ed loans. They all should be closed with XXXX $ balance! This is the like 9th time in a few years. They keep comin n going and some here some there then all and so forth. Its basically XXXX. Quit hurting us XXXX XXXXXXXX people over XXXX in XXXX XXXX XXXX loan that was and has been paid off and taken care of years ago
Product: Debt collection

I have already submitted complaint on this company that they are doing fraudulent activity and that the needed to verify the debt with documents that XXXX XXXX me to it and they have passed 30 days and almost over 60 days and they are non responsive.
Product: Checking or savings account

This message is to appeal case : XXXX with Citibank Appeal Context XX/XX/XXXX Fraudulent XXXX order XXXX items to be shipped to Kentucky. ( I live in XXXX ) XXXX XXXX. XXXX for {$210.00} ( item 1 ) XX/XX/XXXX I saw the order confirmation in my email and contacted XXXX the customer service phone number, trying to cancel the order, but with no success. The cancellation window had already closed. 
Customer Service Survey regarding this interaction was sent XX/XX/XXXX. ( item 2 ) I contacted customer service XX/XX/XXXX for proof and further confirmation of this interaction ( item 3 ) XX/XX/XXXX I contacted Citibank and began fraud case Initial letter with context was mailed to citibank service center XXXX XXXX XXXX XXXX XXXX, SD XX/XX/XXXX XXXX XXXX Police Dept report was created. Report no : XXXX ( item 4 ) FBI Internet Crime Complaint Center ( IC3 ) Report was created. ( item 5 ) 15 U.S. Code 1693g - Consumer liability In any action which involves a consumers liability for an unauthorized electronic fund transfer, the burden of proof is upon the financial institution to show that the electronic fund transfer was authorized or, if the electronic fund transfer was unauthorized, then the burden of proof is upon the financial institution to establish that the conditions of liability set forth in subsection ( a ) have been met, and, if the transfer was initiated after the effective date of section 1693c of this title, that the disclosures required to be made to the consumer under section 1693c ( a ) ( 1 ) and ( 2 ) of this title were in fact made in accordance with such section. ( item 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

i disputed this account with Transunion XX/XX/XXXX for the account being paid in full, settled and too old to be on my account it was settled XX/XX/XXXX. Transunion investigated and did nothing to my account when finalized on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Blocking Fraudulent Accounts and Removal of Unauthorized Inquiries Due to Identity Theft ( 15 U.S.C. 1681c-2 ) Dear Experian, I am writing to request the immediate blocking of the following fraudulent accounts and the removal of unauthorized credit inquiries from my credit report due to identity theft. 

Fraudulent Collection Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block the above accounts and inquiries and provide confirmation once this has been completed . 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report, Government ID, Proof of Address
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX. Account no.XXXX. Repossessed XXXX/XXXX/XXXX. Credit reports not posting XXXX XXXX payments, city of XXXX just mailed to taxes due from XXXX XXXX this XXXX XXXX first received XXXX. city of XXXX hired XXXX XXXX. I am XXXX since XXXX, on fixed income and not able to work. For a year now I had to get rides to medical appointments and missed some.
Product: Debt collection

Credit Collection Services has placed a collection notice on my credit report regarding a medical bill I have received no information about to date. I have tried to dispute with credit agency and have had no results. It seems Credit Collection Services is a third party collection agency in attempts to collect a debt. I have requested that Credit Collection Services provide debt validation for the account number listed on credit report. I will require the Debt validation in the form of an original bill and detailed statement of procedures. Also, I requested that if the debt validation is not received within 30 days from receipt of the request. If Credit Collection Services can not provide adequate validation within the 30-day time frame, all debts should be immediately removed from all three major credit reports. This is also a violation of the HIPPA and privacy laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS PLACING ACCOUNTS BACK ON MY CREDIT FILE FROM FTC REPORTS THAT SHOULD BE REMOVED/BLOCKED/DELETED AS THEY WERE BEFORE, NOW IVE NOTICED RECENTLEY WITH OUT ANY AUTHORIZATION THESE ACCOUNTS ARE RE-APPEARING THAT ARE ON MY FTC REPORT AND SHOULD NOT BE THERE PER FDCPA LAWS.
Product: Credit reporting or other personal consumer reports

I received notice that you verified certain tradelines on my credit report from the following companies : XXXX XXXX XXXX ( opened XX/XX/XXXX ) ( {$460.00} ) XXXX XXXX XXXX ( opened XX/XX/XXXX ) ( {$910.00} ) Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you must tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 

Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So, when is that? And when will this tradeline be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? 

Supply your response within 15 days or delete the tradelines. 

Thank you,
Product: Consumer Loan

they are calling my mother threatening her that they will send the constable to my house and that i am XXXX payments behind and discussing my debt with her.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX  account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 I was a victim of fraud by a hacked XXXX account. 

I contacted who I thought was the owner of the XXXX account who was advertising game consoles for sale. I contacted them via direct message on XXXX- they told me to send them the total of {$850.00} via XXXX for the items I purchased. Once the sale was finalized I noticed that the actual owner of the account had posted on their XXXX account that their XXXX account had been hacked. 

Once I realized that I had sent the money to a scammer I quickly contacted my Bank while also trying to cancel the transfer from my mobile device with no luck. 

After speaking to a representative they mentioned that it would take between XXXX weeks to give me an answer to my claim. 

After XXXX days I received an update that my claim had been denied and that the money will not be returned to me. 

I believe they did not take the right amount of time to look into my case and was not thoroughly investigated. 

I also contacted XXXX directly with no luck. 

I've attached both updates from my bank as well as proof that I've reached out to XXXX and police report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number XXXX XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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: Money transfer, virtual currency, or money service

On XX/XX/2016, I was the victim of identity theft, when my brother XXXX XXXX, opened ( 2 ) checking account with XXXX XXXX XXXX XXXX  accounting ending in XXXX and XXXX. He attempted to finance a truck and wrote a check to XXXX XXXX XXXX in the amount of {$2500.00} on account No. XXXX which at the time was closed due to account abuse. XXXX XXXX, XXXX guaranteed the check would be paid, they in paid XXXX XXXX. XXXX XXXX  XXXX XXXX, as successor in interest to XXXX XXXX XXXX XXXX XXXX seek to recover the {$2500.00} from me by a civil suit seeking damages over {$8000.00}. In late 2016, I notified XXXX XXXX, XXXX, that I am a victim of identity theft and the debt is not mine. XXXX XXXX, XXXX, sold the debt to XXXX XXXX  XXXX, XXXX, after I informed them that I was a victim of identity theft. 

The XXXX XXXX XXXX Sprechman & Fisher, is the debt collector in this matter and have been notified that the debt is not mine and was fraudently obtained by identity theft. I am now being sued by this company in XXXX County Court XXXX JDC, case No. XXXX. I have filed a police report in this matter and am actively working with the XXXX Police Department, Detective XXXX XXXX, Police Report No. XXXX
Product: Money transfer, virtual currency, or money service

My account got compromised money was sent out to random email on zelle multiple times, always had issue with held funds and was never a good experience using this service.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company Refused to respond back to multiple letters that were sent out more than 4 months ago about the account number ending in XXXX XXXX XXXX XXXX. I wrote to Innovis requesting that they send me the information that was used to verify this account such as the complete list of documents with names and contact information and employees that they spoke with during this investigation and they refused to do so. This company is in violation of the FCRA guidelines. I want this account deleted from my files for failure to validate the debt.