23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX I relocated out of the city and changed my address. After trying to purchase a home in XXXX my lender informed me there was a debt in the amount of XXXX from XXXX XXXX on my credit report. I never received notice of this bill, was not contacted by mail, phone or email of this bill. And after contacting the company and explaining I would have resolved this debt had I known about it and asking them to please remove the debt from my credit after I pay it. They explained to me that they can not remove the paid debt and that it would still report stating paid in full. It is very important to me, my fiance, my kids that this is removed because our future depends on it. But instead of this company be willing to resolve the situation they were rude, inconsiderate of the situation and explaining to me even if I did not know about the debt its still my responsibility. Can you please help resolve this situation? I have spoken with XXXX XXXX and I have also spoken with Sequium Asset ( which is the collection agency forwarded too ) and neither of them have come up with a resolution
Product: Credit reporting or other personal consumer reports

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry XXXX XXXX
Product: Credit reporting or other personal consumer reports

Fraudulent Accounts and Inquiries In XXXX, I contacted Experian, XXXX, and XXXX to dispute fraudulent information on my consumer report related to an unauthorized address and accounts/inquiries from companies such as XXXX XXXX XXXX XXXX XXXX ), XXXXXXXX XXXX XXXX XXXX and XXXX. These accounts and inquiries were fraudulently opened using my Social Security number without my knowledge or consent. 

Fraudulent Address I also discovered an unauthorized address, [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ], repeatedly appearing on my credit reports, despite multiple disputes and its removal. I have lived in XXXXXXXX XXXX, for the past five years and have no connection to this address. The credit bureaus have provided no evidence linking me to it, yet it continues to reappear. 

In addition, I am a victim of identity theft, as documented in an FTC Identity Theft Report XXXX XXXX XXXXXXXX ) and a police report ( HPD Case XXXX XXXXXXXX ). My personal information, including my Social Security number and driver 's license, was compromised during the XXXX data breach. 

Despite providing all required documentation to substantiate my claims, Experian, XXXX, and XXXX have failed to prevent the fraudulent accounts and address from reappearing. Their actions have caused harm to my financial reputation and emotional well-being. 

Harm Caused by Inaction : / Credit Score Impact : Because of unauthorized inquiries in XXXX : After disputing and removing the first inquiry, my credit score dropped by XXXX points before temporarily recovering to XXXX. 
A second unauthorized inquiry appeared weeks later, and my credit score dropped by XXXX points after the dispute. However, the score never returned to its original level, despite no high credit usage, late payments, or outstanding balances. 
When I contacted Experian for an explanation, they were unable to provide one. 

Constant Monitoring and Distress : This ongoing issue has caused constant distress, as I am forced to : Monitor my credit reports and alerts not only with Experian, XXXX, and XXXX but also with XXXX, XXXX, XXXX, XXXX, and other lesser-known bureaus. 
Continuously search for additional credit reporting agencies that may be receiving or selling incorrect and fraudulent information about me. 
This exhaustive and repetitive process has consumed a significant amount of my time, caused emotional stress, and incurred additional costs for credit monitoring services. 

I am aware that the CFPB has filed a lawsuit against Experian for improper dispute handling, and I believe my case reflects the same systemic issues. 

Potential FCRA Violations I believe these issues are indicative of systemic failures, including those highlighted by the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian for improper handling of disputes. In my case, Experian 's failure to prevent the reappearance of disputed fraudulent information and the unexplained harm to my credit score align with the practices cited in the lawsuit.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX
Product: Credit card

XXXX fraudulent credit cards were opened in my name. I have filed a dispute with the credit bureaus and filed an ID Theft report with my local police department. XXXX company, XXXX XXXX closed the account. The XXXX other companies, XXXX and American Express, are refusing to close the account. They continue to harass me and are asking me to pay for a debt that I did not incur nor give permission to open. When I asked them for a copy of the application with my signature, American Express sent an affidavit to be notarized. These are stall tactics that American Express is using to continue to leave this fraudulent account open in my name. 

Both XXXX and American Express are irresponsible due to the fact that they allowed accounts with limits of over {$5000.00} to be opened in my name - without my signature! Banks require signatures for loans of {$100.00}, yet these companies may open accounts in people 's names without their permission? And when they are given a copy of the ID Theft report filed with my local police they still refuse to close the bill.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed a dispute with Experian and XXXX  about a XXXX XXXX Credit card opened fraudulently in my name. I uploaded a copy Of my Identity Theft Report only for it to come back remains on report on XX/XX/2020.
Product: Checking or savings account

The way Chase bank credits my account allows them to charge me ridiculous fees in overdraft even when I transfer the funds from my savings account ( XXXX, etc ) to cover for those transactions. They tell me I have until the end of the bank day to put overdrafted funds back and even though I always do they still sneak in charges by holding payments pending, not allowing cash transactions to process first and taking out the overdraft fees before acknowledging the funds put in the account to cover it. For example, I had a payment of {$390.00} deposited into my account, they took three payments of {$34.00} in overdraft because it " cleared after '' their transactions posted on the same bank day after the end of the previous bank day. It was like XXXX. All they had to do was acknowledge at XXXX that I had deposited {$390.00}. BUT NO. They processed their transactions first, THEN said oh wait but now we have to charge you those overdraft fees even though you had money in your account. Then they ask if there is a reason my account is overdrafted, yes they are the reason. I could have a 2 hour period where my account doesn't have money and I am waiting for a transfer to go through and they take that opportunity to magically approve all the pending transactions to charge those overdraft fees. Then they always tell you, " you've reached the amount '' of overdraft fees they can refund you for the year.Even when their practices made you overdraft in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX  XXXX XXXX XXXX account that was a personal loan for {$300.00} that I paid off in full and its showing potential negative on my XXXX report as well as a XXXX XXXX credit card that I paid off of balance of {$440.00}. I would like those two items corrected or removed off my credit report please
Product: Checking or savings account

I had my XXXX hacked and had charges across XXXX totaling in XXXX XXXX, I filed a claim over the phone with Wells Fargo for these charges. Also closed my XXXX account and got a new bank card. 
Now I'm getting a letter in the mail stating that the claim was denied with no attempt to contact me for more information or why it was denied just a XXXXXXXX XXXX charge to my account while I'm outta state for family passing.. not sure what to do.
Product: Debt collection

Every day I have been receiving repeated calls throughout the day and nights from Portfolio Recovery in regards to a debt I dont really have an idea about. They have also started to contact my spouse about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's data breach, ending in XXXX XXXX, was not announced till XXXX with no remedial action for individuals unless opted-in. Instead, I can only check if I was a victim ( I was ) by waiving my right to participate in legal action ( only later clarified not to be the case after the NY Attorney General requested clarification publicly ). Furthermore, the identity protection offered as compensation ( which was not clarified to have included waiving right to participate in class action ) lasts only one year whereas the fraud can be committed as long as the information stolen are valid. 

The massive delay between response, not to mention the Equifax CFO and other executives selling unscheduled shares, only indicates unwillingness to shoulder responsibility of data theft. Now I must place credit freeze with all credit rating agency at my own expense, freezes that I must now maintain for life as the data stolen only expires after my XXXX 

Too add insult to injury, Equifax 's security freeze can be unfrozen with a 10 digit pin - generated based on the date and year when the freeze was submitted. If I submitted a freeze on XXXX XXXX, XXXX, my pin will be XXXX. Given the rush to protect one 's credit, I am certain a four digit combination is n't enough to protect the 143 million affected.
Product: Debt collection

This company keeps blowing smoke up the CFPB XXXX. They provided exactly what I asked them not to provid and they onow it. 

I want the signed purchase agreement showing how much they paid for the debt and their authority to collect the debt. 

Once again PRA has pulled one over on the CFB and blatantly lied about not receiving the letter by certified mail. I will send another certified return receipt and include a copy to FTC when I file with them since PFA had found a way to skirt around prior issues with CFPB requirements.

PFA can provide the requested documents or remove from my credit reports ( all three ).

Since PFA has continually ignored this issue, they have 15 days to comply before legal action is taken for failing to provide the requested documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor 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.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

RE : UNIFUND unfair collection lawsuit UNIFUND is suing me over debt I'm not even sure that I owe. They never provided complete documentation despite my stating that I don't have it in the pretrial mediation. 

Also, I am a widow who supports a minor child with social security survivor 's benefits. During this year, I also received some unemployment payments from a part-time job. I understand that both are automatically exempt from collection. That is the mainstay of my financial support for my child. 

I do have a part-time job, too, but, under Florida law, I am exempt from any collections of that as I am the wage earner for a minor child. 

It is my understanding that either is not subject to garnishment and I do not own any real estate or extraordinary assets. 

Further, by the time my minor child turns 18 and is no longer covered by the Florida wage exemption law, the debt will then have fallen out of the statute of limitations for collection. 

THEY ARE WELL AWARE OF ALL OF THIS. I have informed UNIFUND 's Compliance Officer, XXXX XXXX, and their attorney ( XX/XX/XXXXand XXXX of XXXX, Florida ), however, they persist in suing me over it and my case is now set for trial in XXXX. 

I have reached out to attorneys to defend me, but have yet to get representation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company, Calvary Portfolio Services, is well aware that I have an account with them. I spoke to them again last week and they said they WILL NOT forgive this Past Debt. They will continue to keep this on my credit unless I pay the balance in full. This account is over XXXX XXXX XXXX. I told them that I have no means to pay past debts since the death of my husband XX/XX/2019. I live on XXXX benefits only which is XXXX a year. I explained that there were other companies that relieved me of my past debts so that I may move ahead with my future. I said " so you are going to continue punishing me and keeping this on my credit '' their response was " unless you want to pay this account there is nothing we can do ''. This is hurting me for my financial future. I also told them that since there is absolutely I can do to pay this. That I feel like this is harassment and unfair to me. Unfair credit reporting. 

Calvary portfolio services : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Acct # XXXX Ref # XXXX
Product: Credit reporting or other personal consumer reports

XXXX- Account # XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed- {$180.00}, {$180.00}, {$180.00} ( XXXX, XXXX, XXXX XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed- {$2800.00}, {$2800.00}, {$2800.00} ( XXXX, XXXX, XXXX ) XXXX XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balance Owed- {$560.00}, {$560.00}, {$560.00} ( XXXX, XXXX, XXXX ) XXXX XXXX XXXX- Account # XXXX, XXXX XXXX XXXX Balance Owed {$4200.00}, ( XXXX ONLY ) XXXX- Account # XXXX, Date Opened XX/XX/XXXX, Balance Owed {$220.00}, XXXX XXXX ONLY XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Balance Owed {$130.00}, {$130.00}, {$130.00}, ( XXXX, XXXX, XXXX ) XXXX XXXX XXXX- Account # XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX Balance Owed {$0.00}, {$0.00}, ( XXXX and XXXX ) XXXX Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed {$410.00}, {$410.00} XXXX {$410.00}, ( XXXX, XXXX, XXXX ) XXXX XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balance Owed {$0.00}, {$0.00}, {$0.00}, ( XXXX, XXXX, XXXX ) I have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info.
Product: Credit reporting or other personal consumer reports

Dear Equifax, This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''
Product: Debt collection

Credit Corp Solutions purchased an account that had been opened using my information without my knowledge from a company named XXXX. The date the account was opened is XX/XX/2022. The amount for the account is {$370.00}. The account type says Debt Buyer. The status account says Collections Account. I have already filed a dispute for this account as it is a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

- On XX/XX/XXXX, at XXXX XXXX XXXX I woke up to an e-mail saying my account with Chase was restricted and my debit card blocked. I called the number I was told to call, and they told me Chase had decided to end the relationship with for reasons that would be later addressed on a letter, and that the funds would be made available to me in a check sent to my address. I tried to reason with them to understand what was the issue with the account and explained that I had no other bank account and no other funds available to me in order sustain myself here. That was the only bank account that I had and those were the only funds available for me to pay rent, pay for food, etc. 

I was not able to withdraw a single penny from my account and I have no information on what happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are mutiple mistakes on my credit file which I descibed in a letter attached