23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ive reached out to this collection company twice to inquire about collection on my credit report. Both times I requested information verifying that with mine because I do not have any memory of going to this location. I also have full medical coverage that would have paid my balance in full had it been mine. I looked in my records and found nothing, Ive never received a bill from this medical office. The first time I spoke with the collection agency they told me they would mail me a letter, the second time I spoke with them and informed him that I did not believe that was mine they hung up on me. I attempted to call back they hung up on me yet again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a Honda Customer for past 6 years with multiple leased vehicles with 0 late payments. 

In XX/XX/2019 I moved from XXXX to XXXX. My XXXX payment for 1 of my leased vehicles was returned. I did not receive a communication from Honda that it was returned until I received the next bill in XXXX in which was then paid in full. The account is paid in full and closed. 

I disputed as Honda said they attempted to contact me in which I did not receive any communication and as soon as I did ( next bill ) was paid in full. 

This should be removed from my credit report. I have a long strong history of credit including with Honda.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  must be removed from my credit report. I was denied credit due to this fraudulent account on my XXXX, transunion, and XXXX credit reports.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Date XX/XX/XXXX Dispute of Unauthorized Credit Inquiries. 
To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting

On XXXX/XXXX/2015, I contacted TransUnion concerning several hard credit inquiries appearing on my credit report. These inquiries were made by third parties who DID NOT have my permission to pull the report. I made TransUnion aware that the companies/organizations who gained access to my credit report had no permissible purpose under the Fair Credit Reporting Act and that TransUnion had the responsibility under 15 U.S.C. 1681i ( a ) ( 5 ) to remove credit inquiries occurring without obtaining permissible purpose from the consumer. TransUnion has ( 1 ) refused to make the violators prove that they had permissible purpose and ( 2 ) refused to remove the inquiries from my credit report after failing to obtain permissible purpose from the violators.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep being told the incorrect and derogatory information being reported by Chex Systems is correct and verified, even though the XXXX Bank XXXX XXXX was still investigating and had yet to complete their research/investigation. On my Chex systems credit file and report, its showing that I was committing checking account fraud. I contacted bank XXXX XXXX and ask that they update my account internally and with the credit/consumer reporting agencies. I was told I have to contact them personally. I have written multiple letters to Chex Systems providing proof that I did non of the transactions and I have no knowledge of them. Chex systems keeps informing me that the information is correct and verified, without doing a full and proper investigation or showing me any proof of validation. Either way I keep getting the runaround. I asked for details, example the name of the person they spoke to while investigating, proof bearing my wet ink signature or any documents and up to this day ( XX/XX/2023 ), they have not provided me with anything. Under the FRCA I asked them to remove all unverified, derogatory information from my report being they can not provide any documented or verifiable proof, they have not done that either. Due to the derogatory, unverified information XXXX bank who was my main bank for over XXXX years immediately closed all my accounts and ended all relations with me. Same thing happened with other banks I had accounts with. This derogatory information has been a huge burden on me and huge inconvenience with financial institutions. I was denied opening a new bank account because of this. I did everything they asked, I wrote, called, plead etc. I'm at my last resort now, I'm tired of the back and fourth. I feel like I have been getting computer generated replies, because its the same thing over and over. I'm kindly asking you to step in and help please. Any proof or additional information you need please don't hesitate to ask. Thanks in advance XXXX Institutions are XXXX of XXXX account XXXX XXXX # XXXX XXXX XXXX consumer ID- XXXX - contribution ref # XXXX
Product: Debt collection

ProCollect reporting negative rental debt to my credit report for XXXX XXXX gave XXXX XXXX a copy of my XXXX XXXX military orders and a forwarding address for my final bill so I could pay it when it was available. I never received anything from XXXX XXXX and my access to my account was deleted when I tried to log in and see if there was a balance due. I never received anything from them and my calls and voicemails went unanswered. 

I have never received anything from XXXX, a call, voicemail, letter, email, nothing. When I saw a negative mark on my credit from ProCollect, I called to advise I would like validation of the debt, including itemized statement and assignment to creditor notification mailed to my address to verify the debt owed and be allowed my 30 days to dispute or pay the amount prior to reporting to my credit report. I advised I never received anything from the original creditor or ProCollect and verified my mailing address and information. 

I advised I was called to active military duty and had an attorney on retainer and did not want to make this an issue or problem. I simply was requesting the debt to be validated in writing or at least resend the initial notice of assignment to collections so I could have a written record of what I was paying. 

The representative ignored my request again and rudely asked for my attorneys name and information, and I advised I didnt know what company this is and didnt feel comfortable continually giving out my personal information and that of my colleagues to strangers on the telephone. The representative then said that she would mark my account as refusal to pay and she disconnected the call. 

The representative ( all three I spoke with ) were extremely rude. They continually talked over me and threatened to mark my account as refusing to pay if I didnt just pay them today, and repeatedly declined to send the information about the debt in writing to my address. 

My requests to speak with a supervisor were repeatedly declined. I advised repeatedly that I was NOT refusing to pay, I simply had never heard of the company and wanted verification of the debt and the original assignment to collections notice sent to my address in writing so I could feel comfortable paying any amounts owed to some company I had never heard of. 

After speaking with three different representatives and being on hold and transferred half a dozen times, hung up on three times and being told I needed to log onto their website and provide more of my personal information to request validation of my debt and assignment to their agency, I ceased attempting to resolve the issue with their company. 

All I wanted was validation of my debt and the initial notice of assignment to ProCollect sent to me in writing so I could verify the information and be given the opportunity to pay the amounts owed if I saw they were correct and valid prior to reporting negatively to my credit report.
Product: Credit reporting or other personal consumer reports

Based on the information vou provided, our records indicate my personal information was impacted by this incident EQUIFAX XXXX BREACH please remove on my credit report
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent account and inquiries listed below from my credit file. I am a victim of a data breach, and I did not authorize or initiate these items. 
Fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from Equifax, XXXX, XXXX, there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED Court name : U.S. Bankruptcy CourtDate Filed : XX/XX/XXXXType : Chapter XXXX BankruptcyStatus : DischargedReference number : XXXX THIS ITEM IS NOT MINE CAN YOU PLEASE REMOVE IT OFF MY CREDIT REPORT Court name : U.S. Bankruptcy CourtDate Filed : XX/XX/XXXXType : Chapter XXXX Bankruptcy Status : DismissedReference number : XXXX THIS ITEM IS NOT MINE CAN YOU PLEASE REMOVE IT OFF MY CREDIT REPORT Court name : U.S. Bankruptcy CourtDate Filed : XXXXType : Chapter XXXX Bankruptcy Status : DismissedReference number : XXXX THIS ITEM IS NOT MINE CAN YOU PLEASE REMOVE IT OFF MY CREDIT REPORT bk of mo Act. # XXXX {$150.00} Past Due THIS ITEM IS NOT MINE CAN YOU PLEASE REMOVE IT OFF MY CREDIT REPORT
Product: Debt collection

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any Consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) The financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1861 C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ) no consumer reporting agency may also make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s 2 ( a ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to Opt-out at any time. '' I am opting out of your reporting services. Under 26 USC 108 SEC. 2.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Mortgage

I noticed a hard inquiry on my credit from XXXX XXXX XXXX, 2015 without my consent or any previous contact with them. I would like to get the inquiry removed as soon as possible.
Product: Credit reporting

XXXX XXXX claim they had me in collections for my XXXX bill. I paid the original creditor in full XXXX. Never once did I pay XXXX. They sent me a letter saying I was in collections but the balance was wrong so I wrote them a letter asking for proof of original debt. Which I never received so I went and Paid XXXX off in full. I would like helvey and associates to show proof that I paid them. If they ca n't show proof which I know they ca n't so i want th collection account taken off my credit report. I paid only XXXX. They are making false statements that I paid them. I did n't know I was in so called collections since they never sent me my letter asking for my original debt which is against federal law. Maybe they could have cleared it up of they would have sent me a letter. I know they received my letter because I sent it certified. Once again if they ca n't show proof i paid my debt through them I want the collection account taken off my credit reports.
Product: Vehicle loan or lease

I leased a new XXXX XXXX through Mercedes Benz Finance. I set up auto pay to be sure the payment was never late. I paid on time for 24 months the term was 24 months. 
The vehicle was a gift for my aunt, at the lease end she turned it in. I wasn't aware of the lease turn in fee or property tax. Three months later i receive an alert from privacy guard saying i have a charge off for this lease. I contacted Mercedes to ask why wasn't i notified, and why didn't you charge the account you charged the previous 24 months. 
The answer was we sent a letter, the letter was to a previous address. I asked them if the letter was returned to sender, they said yes.The answer to why they didn't charge my account that was set up on auto pay was, they cant for the turn in fee or tax. 
Now after paying 24 months on time my credit score dropped 150 points. 
It should be illegal for companies to report you as a charge off if they don't have confirmation you received an invoice as well as the mail was returned to them. 

I paid the invoice to the collections company, i was told Mercedes would still report as paid in full late. Not paid as agreed. 
A gift for my aunt turned into bad credit. It doesn't seem fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

RoundPoint Mortgage is Inaccurately showing no data on payments made on time all through the year of XXXX. We made our payments on time since we closed on our home on XX/XX/XXXX and data is available to reflect that we made our payments on time in XXXX. We did not request a Payment Plan until XXXX XXXX and this was paid on time as well. 

We are requesting that our payments be updated for XXXX, as they were timely made to RoundPoint Mortgage.
Product: Debt collection

Block and remove the fraudulent account listed below, as mandated by law and the FCRA. Failure to comply within 4 business days will result in legal action, and I do not consent to automated verification methods. I expect prompt resolution and acknowledgment of this matter. XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/year> Balance {$0.00}. Please delete this account ASAP.
Product: Money transfer, virtual currency, or money service

I was using the Western Union App and I sent money to a family member of {$300.00} and Western Union charged me twice.I called the bank and they gave me credit, then they took it back because Western Union claimed that they only charged me once. I contacted Western Union by email and they told me to print my banking statement for proof of the double charge and to email it to them. They gave me a claim number XXXX. I emailed them my bank statement 5 weeks ago and they still haven't responded.I also called Western Union customer service I was put on the waiting line for a while till I was disconnected from their line.
Product: Credit reporting, credit repair services, or other personal consumer reports

DATES OF DELINQUENCY FOR XXXX XXXX  ARE INCORRECT. XXXX  & EQUIFAX HAVE BEEN ASKED TO CORRECT THE DATE OF DELINQUENCY AND ALL MISSING INFORMATION FROM ORIGINAL CREDITOR TO XXXX MULTIPLE TIMES. THEY HAVE REFUSED TO ADD MISSING DATA AND CORRECT THE INCORRECT DATA. THEY CLAIM THIS IS VERIFIED BY COLLECTIONS AGENCY BUT NO ADDITIONAL DATD HAS BEEN ADDED OR CORRECTED. THIS DEBT IS 5 YEARS OLD. IT WAS NOT ESTABLISHED IN XXXX. THE COLLECTIONS AGENCY IS ILLEGALLY REPORTING INCORRECT DATA. XXXX INVESTIGATED MY DISPUTE AND THIS RESULTED IN THE COLLECTION BEING REMOVED FROM MY REPORT BECAUSE THEY COULD NOT VERIFY THE DATA!!!!! XXXX  AND EQUIFAX NEED TO FOLLOW SUIT!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

The last negative item due to the identity theft is for an apartment complex lease I did not authorize, know about, or execute myself. I disputed this directly with the apartment complex and forwarded their management a copy of the police report. They asked me to also send a copy to this debt collector, which I have now done through the official CFPB portal.
Product: Payday loan, title loan, or personal loan

I have made all my payments on time starting with the first one. There is a 30-day late payment on my credit report. I have tried talking to the lender about the error and they can't or won't help me fix this issue.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I believe XXXX XXXX to be a victim of identity theft which is why I am reporting this incident. I am searching for justice and clear up my credit file report as these accounts and inquiries are incorrect and not done by me. I have plenty of incorrect information in my credit file report that I hope to repair. Accounts That Need To Be Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  reported a charged off credit card in my name on XX/XX/XXXX and continued reporting this charge off every month until XX/XX/XXXX. For those months XXXX XXXX  reported the identical information, in other words there were no updates. Yet XXXX XXXX  continued to provide updates of the identical information every month for those 6 years to the credit bureaus Experian, XXXX and XXXX. 
I have two questions ; Question 1 : Why did XXXX XXXX  continue to update this charge off from XX/XX/XXXX through XX/XX/XXXX with the identical information, there was no updated information to provide. 

Question 2 : Why did XXXX XXXX  stop reporting this account in XX/XX/XXXX. 

I believe the reporting of identical information although there was no need to do so, was to cause me more harm knowing that the FICO algorithm would score each update of the Charge off as a recent charge off. In other words XXXX XXXX  is aware that updating a charge off from XXXX in XXXX the FICO algorithm will score that as a charge off for XXXX. Causing serious harm to my credit score.