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

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account.

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account.
Product: Debt collection

On XX/XX/2023, I received a letter from Revenue Collection Bureau , Inc . In the letter they claim that I owe {$1100.00} to the XXXX of XXXX for non-payment of a water utility service. 

In the previous question asking if I have attempted to resolve the problem, I answer no because I just sent a letter today ( XX/XX/2023 ) informing the Revenue Collection Bureau agency that I am not the person who is responsible for the debt. The letter may resolve the problem, but the problem has not be resolved as of yet.

I have informed Revenue Collection Bureau , Inc. that I never had a account with the utility company in XXXX, that I never lived in the dwelling in question, that I did not live in XXXX during the billing period, and that I never lived or was associated with anyone living in the dwelling in question. 

I have no idea how this collection agency believes that I owe this money. What evidence could they possible have to claim that I owe this debt? The notice to collect money just appeared in my mailbox. I believe it is a scam. If it is not a scam, I find it highly concerning that anyone can be preyed upon to pay someone else 's debt. There apparently is no responsible and ethical effort to find the actual debtor. I believe the only link is that the actual debtor and I have the same name. This can not be an acceptable reason or evidence to attempt to collect money from someone.

I have attached the letter I sent to Revenue Collection Bureau , Inc. on XX/XX/2023 and the request for payment documents sent to me from Revenue Collection Bureau , Inc .
Product: Debt collection

This is so annoying & frustrating. Ive sent EQUIFAX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifaxs responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned or not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX - XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX charged me {$74.00} in XXXX and XXXX and I do not recognize these charges. I have been back and forth with Chase over this and they continually investigate the wrong transactions despite numerous requests to get it right. I've attached my XX/XX/XXXX statement showing the XXXX charge, Chase has the XXXX charge under review. I finally had a phone call today at XXXX at XXXX XXXX PST with their fraud department in which their department told me that it's my responsibility to get information proving that XXXX defrauded me, from, XXXX themselves. As ridiculous as that sounds, because it is absolutely the credit card 's responsibility to prove that I have an account, not my job to prove that XXXX ripped me off, I actually tried it, as you can see in the attached correspondence with XXXX I begged them to show me proof I had signed up or used their service and they would or could not. 

I eventually signed up for an account in XXXX so I could cancel it once I saw the charge in XXXX. 

For what it's worth their cancellation process is ridiculous and takes 6 screens of them offering you more and more discounts before you can finally leave. Additionally, all of their e-mail, which started coming only in XXXX, goes to spam no matter what I do, kind of interesting that XXXX sees them as not a real company either. 

At this time my working theory on what happened is that I signed up for a service somewhere, perhaps with XXXX or XXXX, that had a XXXX trial offer bundled into it that I didn't see, which should be illegal in and of itself, that once it was over started billing me right at XXXX making the chance for me to notice it go down dramatically and then XXXX never once informed me that I had an account with them, not even a promotion, nothing. so that when I finally saw it and went to their website to cancel I literally didn't have an account. Imagine having a XXXX subscription but no login information for XXXX, that is what happened with XXXX for 2 years. That's clearly ridiculous and evident that I did not have a relationship with them. 

At this point I'm more upset that Chase, a company I do a lot of business with, is mishandling this case so poorly in many simple ways and is making no effort to correct it than I am about XXXX and their shady business practices. I'm upset that Chase is trying to push the onus for fraud protection back onto the consumer in direct violation of consumer credit protection laws, and I hope that CFPB holds them to account or I will be forced to demand arbitration.
Product: Debt collection

I went into XXXX at the hospital in XXXX, TX on XX/XX/21, I paid {$1200.00}, but I had a bad experience and don't live in Texas anymore.
Product: Credit reporting

XXXX account is not supposed to be on my account. I disputed this account not mine
Product: Debt collection

I was reported to the credit bureaus for this XXXX  debt. My scores dropped significantly because of this. This is also not my account. Belongs to a relative. XXXX bills are not supposed to be reported to the credit bureaus. Its the law now. 

I need this removed ASAP. Because of this my score dropped XXXX points and its not even my account.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX  XXXX.
Product: Mortgage

I purchased a home a little over a year ago for XXXX and have paid it down to {$41000.00} balance during that time. I requested to have my PMI dropped and i received a letter stating that my current LTV is XXXX percent. And it outlines a series of costly measures that i need to take including an appraisal which costs around XXXX done exclusively by XXXX of their service providers. I got an appraisal to purchase the home just a year ago that surely should suffice. I spoke to someone at Caliber on XXXX/XXXX/17 and although she was pleasant, the only thing she did was quote policy. I told her that the federal guidelines state that at XXXX percent LTV that the PMI must be dropped. I know that they need to protect their investments but mine is not an everyday situation and it think that common sense should at least sometimes outweigh policy.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Names These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inclusion of certain information on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. After reviewing my credit report obtained from your agency, I have discovered that certain information has been reported without my explicit written consent for disclosure or obtaining of information. Specifically, I have never provided written consent for the following : XXXX ( Original Creditor : XXXX XXXX XXXX ) {$7500.00} This account does not meet FCRA requirements and is currently in litigation. Additionally, XXXX has verified my complaints and followed the law by deleting and blocking the information from my credit report immediately. By law, Transunion and XXXX should also do the same by deleting and blocking the information immediately. Lastly, the account is listed as charged off and a 1099c has been provided, by law the account needs to be removed from the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an error in my credit report. According to my credit report, I have a late payments on some of my accounts, which is incorrect. I have never missed a payment on any of my loans, and I believe this mistake should be rectified immediately. According to the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate information reported on my credit file. I have maintained a good credit history, making all of my payments on time, and it is crucial that the information reflected on my credit file accurately reflects this. Please investigate the following accounts for reporting misleading information on my Credit File : XXXX XXXX XXXX Balance Owed : {$220000.00} XXXX XXXX XXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7200.00} XXXX XXXX XXXX Balance Owed : {$0.00}. As we are all aware, the Fair Credit Reporting Act ( FCRA ) requires that credit bureaus maintain accurate and up-to-date information in consumer credit reports. The inclusion of this erroneous late payment on my report is a violation of this act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX someone stole my identity and got XXXX   cable in my name and XXXX cable ran hard inquiry 's on my Equifax credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Now XXXX has removed the bad account off my report but XXXX said that Equifax has to remove the hard inquiry 's themselves as well as the bad address that was used XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Equifax is refusing to do so claiming they can't find my file but Equifax just updated my file on XXXX  XXXX XXXX on XX/XX/XXXX Also XXXX XXXX XXXX  inquiry on XX/XX/XXXX is not mine.
Product: Debt collection

I was shock to see it was a collection account from Portfolio Recovery. I discovered this debt by viewing my credit report. This company never sent any correspondence to me for this debt, no validation letter, nothing at all. I have asked for a copy of the singed contract in question with no response. I have asked this company to delete the debt off my credit as it is in violation of rules under the fair credit reporting act. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the signed documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for this account.
Product: Credit reporting or other personal consumer reports

I received a letter from Ally Credit card dated XX/XX/year> that read Re : Your Ally Credit Card Application Number XXXX The letter advised that they needed additional information from me to proceed with the credit card application. 

I then reviewed my credit report and found that a hard inquiry was placed on my Credit Report for an application I did not make. 

I contacted the Credit Card XXXX and they said that I have to give them copies of my SS card and valid non expired ID a recent utility bill the has my name and address. 
Why do i have to provide them with all of my credentials for credit that I do not want, I did not apply for. Someone already used my information that was not me with all of these data breaches why should I send them my valid information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been stalling and not investigating the disputes about my credit report. I repeatedly receive the same computer-generated report each time I ask them to provide verification and address specific information. They ignore each request. I have yet to receive their Method of verification or anything about how they verified the accounts and information. There are several violations that they fail to address or correct. For example, On one creditor alone they reported 19 times that the account was charged off. One account can not be charged off 19 times. Payment histories with the wrong codes. This similar situation is reported on other accounts. There is missing payment history that doesn't line up with the reported data on the report. There is missing information on my report. Balance histories that are not accurately reported. I have several accounts and each creditor is reporting wrong dates. Wrong information in the comments. I tried going directly to the bureau but this has gone on for months and now I'm upset. It has damaged my credit and I'm paying higher fees and interest because of their negligence and unethical practices when it comes to the consumer and reporting information. This isn't right and an attorney should look over this report and what they are doing.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX QUOTED INCORRECT CREDIT SCORE BELOW XXXX ON THE SAME DAY I PULLED MY FREE CREDIT REPORT INDICATING A HIGHER SCORE. XXXX XXXX USE THE REPORT TO JUSTIFY CREDIT LIMIT INCREASE DENIAL. XXXX DID NOT REQUEST PROOF OF INCOME. XXXX XXXX USE THE EXCUSE THAT EXPERIAN USES A DIFFERENT SYSTEM WHICH IS THE ONLY REASON I AUTHORIZED A CREDIT PULL. NO ACCOUNTABILITY. MY CREDIT SCORE ON THE DATE WAS XXXX ON MY ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SSN : XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX I need you to investigate the following Account : XXXX XXXX XXXX 

I request you provide me with proof of this alleged payments being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. Once you have finished your investigations, send me an updated credit report to the address stated above. 

Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a charged-off account from Chase Card that does not belong to me on my credit report. I reached out to Chase XXXX by certified mail requesting that they provide and prove the Validity of the Account. Chase Card did reply or respond to my Letter. I tried calling but the Representative said she did not have access since it is charged off and could not help me. I sent Chase Card a second certified mail asking them to provide a proof or a signed agreement/document with my signature to Validate the Account, but I still did not get any responses. Chase Cards failure to respond within 90 days of receipt of my certified letters is a violation of the Fair Debt Collection Practices Act ; therefore, Chase Card should delete all entries from all credit reporting agencies. 
Negative mark placed on my credit reports ( including XXXX, XXXX, and XXXX ) from Chase Card for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if they can not prove the validity of the account, Chase Card must request that all credit reporting agencies delete the entry. 

Account Number:XXXX Chase Card XXXX XXXX XXXX XXXX DE XXXX
Product: Debt collection

Repeated abusive phone calls by " XXXX  '' with stereotypical white american names like " XXXX '' or " XXXX '' demanding money for a non-exsistent debt of {$580.00}. 
Lately they have been sending mailings demanding money to be sent to " Midland Credit Management , Inc at XXXX. XXXX XXXX XXXX XXXX, Ca XXXX ''