23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I received a phone call from a company called XXXX XXXX they said I had a debt from XXXX I have not heard of this debt nor recall this debt. They said as well they sent out letters to me about the debt but I have no received any form of such debt, today I check and they pinged my credit for it immediately without any communication of the debt. The total debt is XXXX I will not pay this much for a almost 7 year old debt I will pay XXXX dollars to it for a pay to delete immediately or none at all cause I was not aware of this debt the only reason I know about it now is because they reported it to my credit bureaus without communicating with me first, no letter and no phone call so they either remove this debt off my credit immediately for inaccurate information or they let me pay the XXXX dollars to the debt to delete it off my credit. This company did not follow the right guidelines to reporting a debt as there was no letter stating I had a debt before they decided to put it on my credit so I was unaware of it. 

XXXX XX/XX/XXXX I received a phone call from a company called XXXX XXXX they said I had a debt from XXXX I have not heard of this debt nor recall this debt. They said as well they sent out letters to me about the debt but I have no received any form of such debt, today I check and they pinged my credit for it immediately without any communication of the debt. The total debt is XXXX I will not pay this much for a almost 7 year old debt I will pay XXXX dollars to it for a pay to delete immediately or none at all cause I was not aware of this debt the only reason I know about it now is because they reported it to my credit bureaus without communicating with me first, no letter and no phone call so they either remove this debt off my credit immediately for inaccurate information or they let me pay the XXXX dollars to the debt to delete it off my credit. This company did not follow the right guidelines to reporting a debt as there was no letter stating I had a debt before they decided to put it on my credit so I was unaware of it. The manager harrassed me and said if I looked at the email they sent me yesterday that I take full responsibility for the debt.
Product: Credit reporting or other personal consumer reports

According to the FCRA and Consumer Protection Act and Privacy act and also IRS publication 4681 IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX XXXX for the cancelled debt of { {$10000.00} } XXXX XXXX XXXX XXXX for the cancelled debt of { {$750.00} } XXXX XXXX XXXX XXXXXXXX XXXX for the cancelled debt of { {$900.00} } XXXX XXXX XXXX XXXX for the cancelled debt of { {$6500.00} } in order to file as ordinary income. Where is my 1099-C XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, EXPERIAN, and XXXX, etc. is not an affiliate of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal Pursuant to 5 USC 552a, Pursuant to FCRA, pursuant to 15 USC 6802. The Fair Credit Reporting Act ( FCRA ) prohibits creditors from making adverse reports on a consumer 's credit standing if the consumer disputes an amount or account. However, creditors can report that the account or amount is in dispute. It is illegal for a financial institution to report a consumer 's transaction history without their written consent. This is because Congress has mandated that financial institutions protect the privacy and confidentiality of their customers ' non-public information. For these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the date son this account are not correct. This account balance does is no accurate. The 2 month deposit was not deducted from the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account and inquiries stated in this form.
Product: Credit card or prepaid card

My cashapp card was charged XXXX on XX/XX/XXXX @ XXXX XXXX XXXX XXXX in new york . I live in connecticut and have no knowledge of this purchase. I tried filling a dispute with cashapp but have not heard anything back. I reached out to XXXX  but they told me that they can not do anything about it only cashapp can.
Product: Debt collection

I recently got a lawsuit filed from a company called lvnv funding. I have never even heard of this company. I filed a request with the court asking that lvnv prove the bill was valid. They simply ignored my request and ruled in favor of lvnv and are working towards collecting. I feel my privacy rights may have been violated as well as the court in XXXX XXXX Indiana violating my rights to a fair trial by ignoring my request for proof I owe this company. I tried to take a screenshot of the court records but it would not let me. 
My contact information is XXXX. 
My phone number is XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized inquiries on my TransUnion credit report. Despite multiple attempts to dispute these inquiries with TransUnion, they have not been removed. I believe these inquiries were made without my authorization or a permissible purpose, and they are negatively affecting my credit score. The unauthorized inquiries are as follows : XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXXXXXX XXXX on XXXX. XXXX, XXXX ; XXXX XXXXXXXX on XXXX. XXXX, XXXX ; XXXX on XXXX. XXXX, XXXX ; XXXX XXXXXXXX on XXXX XXXX, XXXX ; XXXX XXXX XXXX on XXXX. XXXX, XXXX ; XXXX XXXXXXXX on XXXX XXXX, XXXX ; XXXX XXXX on XXXX XXXX, XXXX ; and XXXX XXXX XXXX XXXX  on XXXX. XXXX, XXXX. I have contacted TransUnion and the companies involved, requesting an investigation and removal of these inquiries. Some companies said they would open a case but never got back to me, while others claimed they have no way of checking inquiries. I have provided TransUnion with my identification details, contact information, a list of the disputed inquiries with their respective dates, and a clear statement that I did not authorize these inquiries and believe they were made without a permissible purpose. Despite these efforts, TransUnion has not removed the unauthorized inquiries from my credit report. This has caused significant stress and concern regarding the potential misuse of my personal information and the impact on my creditworthiness. I respectfully request the CFPB 's assistance in resolving this matter. I seek the removal of these unauthorized inquiries from my TransUnion credit report and a thorough investigation into the practices that allowed these inquiries to occur without my consent. Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid for XXXX XXXX credit repair service to provide ways of removing old or incorrect data from my credit reports.
Some items were removed except Navient who first reported that I was on default for 90 days during the timeframe of XX/XX/XXXX-XX/XX/XXXX. I had submitted application for forebearance because I had returned to grad school.
As you would assume, these items, incorrect or not should have been removed from my credit reports because these items are over 10 years old.
XXXX XXXX supposedly contacted them requesting a response but not only did they not respond to me Navient has yet to remove these items of late payments.
Product: Debt collection

NCC BUSINESS IS ATTEMPTING TO COLLECT DEBT I DON'T OWN AND THEY THREATENED TO SEND POLICE TO MY HOUSE TO ARREST ME IF I DIDN'T GIVE THEM MY CARD OR BANK ACT NUMBER OVER THE PHONE. THEY ARE CALLING MY RELATIVES AND AT MY WORK NOW ... THIS IS REDICULOUS PLEASE STOP THIS ILLEGAL ACTIONS ... 
XXXX XXXX XXXX XXXXXXXX XXXX IS NOT EVEN IN THE BUSINESS ANYMORE IF I OWED THEM MONEY THEY WOULD HAVE REACHED OUT TO ME DIRECTLY BUT THIS ENTITIY DOES NOT EVEN EXIST ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX  Account # 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: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX  my phone got stolen, and all my Chase bank accounts on the phone got compromisXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXunts. 
The next day I bought a new XXXX and restored the data, but I couldn't access my chase bank accounts because it was blocked. 
2 days after, I had to go personally go to Chase branch and close all the accounts, and we opened new ones, and I realized that XXXX unauthorized transactions were done on XX/XX/XXXX. I filed a dispute with the bank on all XXXX unauthorized transactions, they approved XXXX transactions, and the third one was a XXXX transfer for XXXX, were denied. 
They stated that this transaction was authorized and it was used from the same device and they asked for police report. 
I provided a police report and I explained that my XXXX XXXX XXXX  was stolen and the transaction was used from my old phone. 
I replaced my phone the next day and bought XXXX XXXX and I had to restore all the data on it, using the same number but a different device. 
I kept escalating the claim and trying to explain what happened more than 4 or 5 times, and they kept denying the claim for the same reason. I don't think anyone in the claim department at Chase took a deeper look into this claim, they approved the other 2 claims but they keep denying it without explanation. 
It's most of the money I had with the bank, and it was a fraudulent transaction transferred to an account that is totally unknown to me, they didn't provide me who are the people that the money are transferred to, they should have the information on the account, and I've been struggling with this {$5000.00} loss for the last few months, and they keep refusing to give me my money back. 
I have more information and all the evidence to my statement if needed.
Product: Debt collection

On XX/XX/XXXX 2017 Phoenix Financial Services I recieved a collection letter. I dispute this debt as not belonging to me. I would like a debt validation letter sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX credit card in XXXX of XXXX which Equifax refuses to report. XXXX XXXX says they are reporting it. This adversely affects my credit worthiness as I have never missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and disputed these things on my credit report and i have let them know that this information is incorrect. My social security number was showing incorrectly and i have since disputed and spoke with representatives to get this information corrected. There a few addresses listed incorrectly 1. XXXX XXXX XXXX XXXX XXXX, AL  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, AL  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, AL XXXX. 
These accounts are also listed incorrectly. 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX. There is also some inquires 1. XXXX XXXX 2. XXXX/XXXX
Product: Vehicle loan or lease

BMW financial service is very unprofessional and did not do their jobs after charging {$100.00}. I need to takeover a lease from my friend and I have very good credit history ( 760+ for all three credit report ). On XX/XX/XXXX, I submitted my application. Then they call me said my XXXX  and XXXX report are frozen. Actually I only freeze my XXXX report. I call back give them the access code. After one day, the told me I am rejected. But I didn't find any credit inquiry in my XXXX report. There is no negotiation, no reconsideration. If they made mistakes, they will also charge you {$100.00} and don not refund.
Product: Credit reporting

I have sent several letters to Experian disputing items on my credit file that do not belong to me. The Inquiries was one of them. I was a victim of identity theft and somehow my personal information was stolen. Please help me to get these unauthorized inquiries remove from my credit file. Please remove unauthorized Inquiries from XXXX XXXX to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I CONTACTED XXXX XXXX XXXX AND TOLD THEM I DID NOT HAVE A LOAN WITH THEM AND THEY SAID THEY WOULD REMOVE THE LOAN FROM MY CREDIT FILE AND I WAS NOT RESPONSIBLE. I CONTACTED SCA COLLECTIONS OF XXXX AND TOLD THEM IT WAS FRAUD AND ASKED FOR THE DOCUMENTS FROM THEM AND THEY HUNG UP THE PHONE, THEY HAVE POLICE REPORT SHOWING FRAUD. I CONTACTED NC CHILD SUPPORT AND TALKED TO A SUPERVISOR AND TOLD THEM HOW CAN I HAVE A CHILD WHEN IVE BEEN OUT THE COUNTRY FOR THE LAST 10 YEARS ON XXXX. 
I CONTACTED XXXX XXXX  AND TOLD THEM AND ASKED FOR THE DOCUMENTS OF THE LOAN THEY SAID I HAVE AND SENT THEM A FTC REPORT AND POLICE REPORT AND THEY STATED THEY WOULD REMOVE THE FRAUD ACCOUNT FROM MY CREDIT FILE AND REMOVE EVERYTHING FROM THE TRADE LINES AND I WILL NOT BE RESPONSIBLE FOR ANYTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several certified letters to TransUnion Credit Reporting company asking for their verification process of Bankruptcies. I provided Transunion with a letter from the US Court Clerk informing me that they do not sell records. I have also placed a freeze on my XXXX/XXXX  account. I have received a letter from XXXX/XXXX  informing me that they removed my information as well. TransUnion refuses to delete this unverifiable information. My next step will be to take legal action. 

Chapter XXXX - XX/XX/XXXX Case # XXXX Chapter XXXX - XX/XX/XXXX Case # XXXX
Product: Credit card or prepaid card

this was my frist credit card ever. I got it in XXXX XXXX it had a XXXX dollar limit. i used it for a couple months and paid on time, then when i switched banks i had trouble setting up payments. It went late and then eventually they closed it. it was never a problem of money or not being responsible, i just didnt understand how to do it. 

they closed the account in XX/XX/XXXX sometime. Its the only thing on my credit report and its giving me a hard time to get started building my credit for real. I want to build it and have good credit. Im XXXX married and have a XXXX. 

I need this one negative off my report so that i can get this going.
Product: Credit reporting or other personal consumer reports

I am refiling my complaint with the Consumer Financial Protection Bureau ( CFPB ) using the correct ID, as I mistakenly uploaded the wrong ID during previously filing. 

To Whom It May Concern, This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

XXXX XXXX XXXX : This account is being reported as a loss yet there still holds a balance, and the company is continuing to attempt to collect on this alleged debt while XXXX companies can not own the same debt. This account is in violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). 
XXXX XXXX Account Number : XXXX DELETE THIS ACCOUNT IMMEDIATELY in compliance with 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ).

Account violated 15 USC 1692 ( g ) by failing to comply. Report any evidence related to this disputed account and DELETE THIS ACCOUNT IMMEDIATELY as per 15 USC 1692 ( g ). XXXX XXXX  Account Number : XXXX  Please comply with 15 USC 1692 ( g ) and provide any evidence or written consent bearing my signature authorizing the account. If none exists, delete this account from my report immediately. 

FDCPA Section 807 Violation Misleading False Reporting. 
XXXX Account Number : XXXX Under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and update the item in my credit file, showing payment history as paid on time. 

Non-Compliance with Validation Requests : You have failed to validate or provide evidence of my authorization for the disputed accounts as per 15 U.S.C. 1692g ( Section 809 ( b ) ).

Failure to Cease Communication : Continued communication after my cease-and-desist request violates 15 U.S.C. 1692c ( Section 805 ( c ) ).

Unlawful Reporting Practices : The reporting of unverifiable and unauthorized accounts constitutes a breach of 15 U.S.C. 1681i ( FCRA Section 611 ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Acct XXXX XXXX XXXX XXXX XXXX You are in direct violation of the Fair Credit Reporting Act, regarding my XXXXXXXX XXXX  credit card account # XXXX XXXX XXXX XXXX which is a direct violation of my consumer rights. 

15 USC 1681 Section 602 A clearly states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

15 USC 1666B : A creditor may not treat a payment on an a credit card account under an open-end consumer credit plan as late for any purpose.

I specifically requested an investigation into this error, but a letter was received, by the credit grantor, denying an investigation ( enclosed ).

Remove this late payment and update this account immediately, as you are in direct violation of several laws under the Fair Credit Reporting Act. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have these inquires on my equifax credit report that i did not authorize below are the fraudulent inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I personally reached out to XXXX XXXX to report the balance of {$130.00} as paid multiple times but to no avail. They sent me the verification of payment letter but have not reported that I have paid the balance and it shows on my XXXX and Experian credit reports. Balance was paid in XXXX or XXXX and keeps getting reported that is not been paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX entered a card holder agreement with CAPITAL ONE on XX/XX/XXXX. CAPITAL ONE is reporting alleged late payments on my consumer report for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I sent CAPITAL ONE a cease and desist letter on XX/XX/XXXX along with a debt validation letter on XX/XX/XXXX via certified mail demanding they cease collection on the alleged debt and verify the alleged late payments. CAPITAL ONE responded on XX/XX/XXXX stating that they confirmed the alleged late payments they are reporting are accurate and they do not need to change how they update it to the credit bureaus. On XX/XX/XXXX I sent CAPITAL ONE a letter via certified mail pursuant to 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), requesting a description of the procedure used to determine the accuracy and completeness of such alleged late payments. CAPITAL ONE responded on XX/XX/XXXX stating they received my application by internet on XX/XX/XXXX and the account was opened on XX/XX/XXXX and sent me copies of monthly statements for the months of XX/XX/XXXX through XX/XX/XXXX. I responded on XX/XX/XXXX via certified mail disputing the validity of the account and demanded they update the alleged late payments pursuant to 15 USC 1681i ( a ) ( 5 ) ( A ) ( i ). CAPITAL ONE responded on XX/XX/XXXX stating the same response, that they have confirmed the alleged late payments they are reporting are accurate and they do not need to change how they update it to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a recent data breach, which resulted in identity theft. As a result, unauthorized accounts and inquiries have appeared on my credit report. In accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent account and inquiry from my credit file. 
Fraudulent Account : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$3700.00} Fraudulent Inquiry : XXXX. XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX
Product: Credit card or prepaid card

I processed a payment with a representative over the phone, the representative entered the account number incorrectly and as a result the payment was returned as no account found because they left a digit out, I was then charged a return check fee of XXXX by the company, I have called on this since XXXX and they Claim they don't have record of me calling and making the payment with the rep when it was process on XX/XX/19 with the payment help center. and they will not remove the return fee and this was not my fault this was clearly company error