23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently checked my credit report & noticed XXXX XXXX XXXX XXXX XXXX was on there.. there a 3rd party debt collector according to the FDCPA. I refuse to pay this debt to this business that I have never done business or have any obligation or contract with. This company obtained access to my private information unlawfully and has violated my right to privacy. I demand that this company delete this trade line from my credit report immediately. Failure to do so will result in litigation for multiple violations.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

I was the victim of identity theft and endorsements, contracts, accounts, etc., were made without my knowledge, consent, and or authorization. I never signed nor endorsed any contracts or applications that created any accounts for debt service with Kay Jewelers. I have NOT received benefit or value from the proceeds of the endorsement XXXX XXXX ), contract XXXX XXXX ), application XXXX XXXX ) and or the Kay Jewelers account XXXX XXXX ) directly or indirectly. All information pertaining this matter was given voluntarily for the purpose of establishing the fact of signature forgery and identity theft, in addition to blocking the information from my credit report, pursuant but not limited to section 605B of the Fair Credit Reporting Act 15 U.S.C. 1681C-2. Kay Jewelers continues to report an account I did NOT open and/or authorize. Possible endorsements were made using my correct personal identifiable information that were stolen and or lost. Additionally this matter was reported to the FTC and local authorities.
Product: Debt collection

This company calls me upwards of 3 times in 10 minutes all day long. I 've repeatedly answered these calls and asked that they stop calling and that I am protected from this type of harassment by federal guidelines - at which point they hang up. I 've also asked that they mail me information regarding the debt - I have not received anything since the request I put in 9 weeks ago.All of their repeated calls are done via an auto-dialer. If you do answer XXXX of these calls they typically drop the call if an agent is not free, and then will call you again 3 minutes later. It 's become completely harassing in nature. I am more than willing to talk to someone about paying off whatever it might be that I owe, but I will not respond to a company that uses these types of tactics to recover debt ( which I am fairly certain is less than {$1000.00} ). I 've asked to speak with a supervisor and I 've ever been hung up on OR placed into a voicemail for someone named XXXX XXXX and not transferred to a live person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PART 641DUTIES OF USERS OF CONSUMER REPORTS REGARDING ADDRESS DISCREPANCIES Consumer 's address ( 1 ) Requirement to furnish consumer 's address to a consumer reporting agency. A user must develop and implement reasonable policies and procedures for furnishing an address for the consumer that the user has reasonably confirmed is accurate to the consumer reporting agency described in 15 U.S.C. 1681a ( p ) from whom it received the notice of address discrepancy when the user : ( i ) Can form a reasonable belief that the consumer report relates to the consumer about whom the user requested the report ; ( ii ) Establishes a continuing relationship with the consumer; and ( iii ) Regularly and in the ordinary course of business furnishes information to the consumer reporting agency from which the notice of address discrepancy relating to the consumer was obtained. 

( 2 ) Examples of confirmation methods. The user may reasonably confirm an address is accurate by : ( i ) Verifying the address with the consumer about whom it has requested the report ; ( ii ) Reviewing its own records to verify the address of the consumer ; ( iii ) Verifying the address through third-party sources; or ( iv ) Using other reasonable means. 

( 3 ) Timing. The policies and procedures developed in accordance with paragraph ( d ) ( 1 ) of this section must provide that the user will furnish the consumer 's address that the user has reasonably confirmed is accurate to the consumer reporting agency described in 15 U.S.C. 1681a ( p ) as part of the information it regularly furnishes for the reporting period in which it establishes a relationship with the consumer. 


The address of XXXX XXXX XXXX XXXX XXXX GA has never been my address nor am I associated with that address in any way.
Product: Debt collection

The only person I have been able to or allowed to speak to is a woman named XXXX, back in XX/XX/XXXX I called to complain stating they are saying I owe them over {$4000.00} for a XXXX XXXX XXXX bill, when in fact the XXXX XXXX XXXX bill was showing only as {$2200.00} per the final bill. She stated on two separate occasions that she needed to get a final bill before speaking to me, both times she raised her voice stating that my " story '' was irrelevant. I said it is relevant when it's TWICE what they were showing I owed ( which really should be {$0.00} but I am working that out with XXXX XXXX XXXX directly as I didn't reside at the XXXX XXXX XXXX - which is a large portion of that bill, I only resided at XXXX XXXX XXXX for a short period of time which was less than {$300.00} in services ). Now this is negatively effecting my credit when Collection Bureau of America stated they WOULD NOT REPORT NEGATIVELY until they found out what the actual amount owing was. They didn't even give me a chance to resolve any discrepancies before reporting me negatively to the credit bureaus.
Product: Debt collection

Navient has me owing a balance of over {$110000.00} in student loan I only borrowed {$54000.00} according to XXXX Navient is over charging me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Years ago I detected companies I paid to XXXX were reporting my accounts as closed except for 3 out of many, why, I was told by some that's because I renewed my loan. 

I responded, l have a balance whether renewed and the old account information should not be serviced as a different account, it should never have been reported to the credit bureau I was ignored! 

After several years companies are reporting updates of closed accounts year after year after year! Which allows them to stay on my report forever instead of being deleted! 

They are using my credit report to input information without authorization for defamation purposes. 

I have open accounts being reported and the same account is being reported as closed. 

In some cases, the company changed their names and are reporting closed in 3 different company names and opened at the same time.
Product: Credit card or prepaid card

I opened a Chase XXXX XXXX credit card in XX/XX/2018. The benefits included in the offer for this card are that the {$95.00} annual fee is waived for the first year, and users can earn XXXX additional rewards points if they spend {$4000.00} within the first three months of their card usage. I noticed yesterday that I was charged the {$95.00} annual fee  despite Chase 's advertising that it would be waived, and called customer service today in order to get this refunded as it seems to have been applied in error. I was told by customer service that my offer does not, in fact, include the {$95.00} waiver. I've been given no information as to why this aspect of the offer could have been revoked, as it's still advertised as part of the card membership on the Chase website without any conditions or limitations, as you can see in the screenshots below. I signed up with the offer link that included the {$95.00} waiver and Chase is not willing to refund it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to seek clarity regarding the specific notification that prompted XXXX XXXX to close and cease reporting on the accounts I established with your company in 2022. In response to my filed complaint through the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX provided a response indicating that the account closures were instigated by a notification received from the bureaus. I am eager to gain insight into the particulars of this notification, particularly the precise nature of the information conveyed by Equifax that led to the necessity of closing my accounts. I wish to emphasize that these accounts were in good standing, and I possess no prior awareness of any circumstances that could have justified their closure. 

It is evident that Equifax 's actions have not only transgressed my consumer rights but have also inflicted considerable harm upon my credit profile. Consequently, I am compelled to insist that Equifax produces the documentation that XXXX claims to have received, which purportedly prompted the closure of both accounts with your institution. This documentation is crucial to corroborate the information you received, thus substantiating the rationale for the immediate deactivation of my account. 

Moreover, I draw your attention to an email correspondence issued by XXXX XXXX XXXX, which conveys that customers who phoned between XX/XX/XXXX, and XX/XX/XXXX, XXXX have been redirected to a XXXX, XXXX entity due to a phone provider-related issue. This occurrence appears to underscore a failure on the part of XXXX XXXX XXXX to fulfill its obligations under 15 USC 1681s-2 ( b ), potentially giving rise to liability for damages amounting to {$5000.00} as stipulated in 15 U.S.C. 1681n. 

I must also emphasize that this account was subjected to a dispute due to inaccurate reporting by XXXX, and the accuracy of my claim was subsequently verified. I possess a comprehensive collection of emails, complaints, and reports that validate this fact. 

Given the significance of these matters, I implore your urgent attention and resolution. I anticipate your timely response and the provision of the requested documentation from Equifax to clarify the circumstances surrounding the account closures. I am committed to addressing these issues promptly and am prepared to engage in further dialogue as necessary to ensure their satisfactory resolution
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Accounts # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inquiries on my credit report that I have repeatedly requested Equifax and XXXX to be removed but have not been removed yet. I have made numerous attempts to dispute these inquiries with XXXX and Equifax but to no avail. 

I have provided all necessary documentation and evidence to support my claim that these inquiries are not valid and should be removed. However, despite my efforts, the inquiries still remain on my credit report. 

As a consumer, I have the right to ensure that my credit report is accurate and free from any misleading information. It is unacceptable that the credit reporting agencies have failed to take appropriate action in removing these inquires despite my repeated requests.
Product: Credit card or prepaid card

I applied for a credit card with JP Morgan Chase and was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX  XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$13000.00}, and XXXX  XXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

XXXX closed my account. This XXXX XXXX XXXX was opened on XX/XX/XXXX. In XX/XX/XXXX I had XXXX and my brother passed away unexpectedly. I have never missed a payment in the past with this company. In XX/XX/XXXX I was still struggling with XXXX and the death of my brother so my payment was late. XXXX closed my account however, I reached out to a representative on Saturday XX/XX/XXXX. His name was XXXX he informed me that if I paid the past due balance of {$200.00} that my account would be reinstated and the company would remove the 30-day late payment from my credit report. I asked him to send that to me in an email and he assured me he would put it in writing. Instead of paying the past due amount I paid the account in full. Not only did he not send the information in writing I currently can't even see the account. It is shameful that I have had this card for XXXX years and never missed a payment. When I was at my lowest this company did not extend grace. God forbid either of them is ever in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 XXXX XXXX sent me a letter and agreed delinquencies reporting was an error on my credit report and would be updated on the XX/XX/2019. Two of my reports were updated and the one that wasnt is now TransUnion is reporting 90 days delinquent on my XXXX XXXX Report because Im closing on a house next week so its time sensitive.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Charge off XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$250000.00} - late/Open XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXXXXXX late/Open XXXX XXXXXXXX Opened : XX/XX/XXXX Balance Owed : {$2500.00} - Late/Open XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months I disputed an unknown debt with XXXX XXXX and it was removed from my credit report. Now, late XXXX or early sometime this month, the debt was added back to my credit report under the collections agency of XXXX XXXX. I disputed this recent debt earlier this month and it was n't removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  is a fraudulent address listed on all XXXX credit bureaus and every account associated with that address is fraudulent as well. Please assist in removing this information off of all XXXX credit bureaus and my credit reports.
Product: Debt collection

I was misled in signing up for this XXXX XXXX. I was not satisfied with the program so I decided to cancel the service. I was advised that I could cancel the service at anytime without any penalty. So, I cancelled the service. Later I received a notice from XXXX XXXX  that I must pay {$160.00} for canceling. Later I received a letter from EASTERN ACOUNT SERVICES OF CONNETICUT, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account # XXXX. Creditor # XXXX XXXX to pay this balance. This company can also be reached at easternaccounts.com. 
This collection is affecting my credit rating. Please help. As stated before I was advised that I could cancel from XXXX  at anytime Than you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX
Product: Debt collection

PORTFOLIO RECOV ASSOC XXXXXXXX XXXX XXXX I NEVER HAD CONTRACT WITH TH COMPANY OR SIGNED UP. DELETE COLLECTION FROM XXXX AND XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As pulled my report, I saw an outrageous amount of accounts under my name that are not mine. please delete these items from my report. XXXX XXXX {$590.00} XXXX XXXX XXXX {$140.00} XXXX   XXXX {$4200.00} XXXX XXXX {$180.00} XXXX XXXX XXXX {$76.00}
Product: Credit card

On XX/XX/XXXX I ordered XXXX and XXXX XXXXXXXX XXXX  from the XXXX XXXX XXXX and I thought it was a legit business selling the shoes but instead they sent a package to a different address and labeled it as delivered and when I reached out to the company providing photos of my house with address they did not answer me and when I said I would be contacting XXXX XXXX XXXX they starting calling me the XXXX XXXX word. And XXXX XXXX told me to reach out to the shipping carrier or my bank
Product: Money transfer, virtual currency, or money service

I hired an appraiser and he asked me to send the money via XXXX. I checked with him to confirm the phone number for the XXXX he did. ( I have all the email chains and confirmation from him ). After I paid the appraiser {$700.00} via XXXX and {$750.00} via XXXX on XX/XX/year>, he said that he didn't receive the money. He denied all the email he sent and said it wasn't me who send these emails. I told him then your email got hacked and he got angry at me. He told me it is the first time this happens to his company. 

I called chase bank and even went in person but the bank told me because I authorized the transaction, I can not have my money back and even they can not file a fraud claim. I have the name and phone number of a person ( the scammer person ) I sent money to via XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting late payments for this account this is incorrect.
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number : XXXX My correct address is : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX SC XXXX My employer is : XXXX  Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 

Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized inquiries listed on my credit report, as they do not reflect my consent and are negatively impacting my credit standing. 

The unauthorized inquiries are as follows : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

I have attached any relevant documentation to support my claim. Please investigate this matter and remove these inquiries from my report at your earliest convenience. 

Thank you for your attention to this issue. I look forward to your prompt response.