23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This evening, I was disheartened to find unauthorized inquiries on my credit report. I have no idea why they're there. I routinely check my report, but this time, discrepancies appeared out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but the inquiries remained. I'm deeply frustrated by this and request that the documents I submitted be thoroughly reviewed to prevent any future issues and ease my concerns.
Product: Credit reporting or other personal consumer reports

I did not authorize ANY CHARGES to the XXXX XXXX account in question. This is purely XXXX and theft by XXXX XXXX and XXXX XXXX. XXXX AND EQUIFAX DELETE IT FROM MY CREDIT REPORT! In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC ******* U.S.C **** section 602 A. States I have the right to privacy.15 U.S.C XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 ***********. ( a ) ( XXXX ) XXXXection States : no consumer reporting agency may 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 XXXX XXXX ************* ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. I have also attempted to contact XXXX XXXX and XXXX XXXX several times to request written proof of this authorization, but they have failed to comply with this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I never applied for the following credit card accounts. The following accounts listed on my Trans Union, XXXX  and XXXX credit report, are all fraudulent : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report, and I noticed some inaccuracies. I sent a letter to Equifax also XXXX asking them to investigate these accounts. I sent it mail- And according to 15 USC 1681 ( 5 ) | see it states 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 credit bureaus did not reinvestigate and violated I do not have a contract with XXXX XXXX. I have not authorized my signature and asked for validation of these accounts Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. Here are the disputed items that did not belong to me. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX SXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

TransUnion is reporting some fraudulent inquiries on my credit report from these companies : XXXX  XXXX- three duplicate entries. 
XXXX XXXX- two duplicate entries. 
XXXX XXXX two- duplicate entries. 
XXXX XXXX-two duplicate entries. 
XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Subject : Failure to Conduct a Proper Investigation of Disputes and Address 1099-C Non-Issuance by Collection Agency I am filing this complaint against Equifax, XXXX, and XXXX for two significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/year>, I filed a dispute with XXXX regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, XXXX used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered. 
2. Failure to Address 1099-C Non-Issuance by a Collection Agency : 3. Despite my dispute, XXXX, Equifax, and XXXX continue to report this collection account without verifying its validity or requiring the collection agency to issue a 1099-C. This raises questions about the legitimacy of the debt and violates federal regulations. 
Account Name Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As you can see by my attached credit reports and highlighted issues, this information is NOT CORRECT and NOT ACCURATE. Therefore, it must be DELETED IMMEDIATELY. 
How much did the collection company pay for this item? I do not know, and neither does my credit report reflect such amounts. This is a clear violation of the FCRA as this is not accurate or complete. DELETE THIS IMMEDIATELY! 
Under the Fair Credit Reporting Act ( FCRA ) and the IRS guidelines, creditors or collection agencies are required to issue a 1099-C ( Cancellation of Debt ) when they cancel or forgive debt exceeding {$600.00}. Despite my repeated requests, has failed to provide a 1099-C or valid evidence that this debt is collectible and reportable. 
Key Points of Dispute 1. Lack of Validation : I have requested proof that this debt is valid and collectable. To date, [ XXXX XXXX XXXX ] has not provided adequate validation of the debt as required by the FCRA. 
2. Failure to Issue 1099-C : If the debt has been forgiven or canceled in full or part, the creditor is legally obligated to issue a 1099-C and report this to the IRS. Their refusal or failure to do so raises serious questions about the legitimacy of the reporting. 
3. Violation of Credit Reporting Standards : Inaccurate reporting of debts that are forgiven, canceled, or unvalidated is a direct violation of the FCRA and IRS regulations.
Product: Checking or savings account

Mercury closed my account and retained my funds on my checking account : XXXX and my second company account : XXXX The funds from both are being retained by mercury and no reply on emails is being given as to how I can withdraw them.
Product: Debt collection

I was impacted with financial hardship by the COVID-19 pandemic. As a result, I had to resort to a debt management company to consolidate and pay off my credit card debt. During 2021, I clerked for a U.S. district judge but did so off university funding. Come Summer 2021, I lost my funding. With that, I called XXXX numerous times about deferring my debt until I started my private practice job in XX/XX/2021. XXXX would not defer payment but said that I still had a few months before the debt would charge off and go into collections. XXXX confirmed that once I made a payment, XXXX would not seek collections of my account. 

Well, instead, XXXX transferred one of my credit card debts ( approximately {$8000.00} ) to a law firm, Hunt & Henriques XXXX, because I received a letter saying so from this law firm. I attempted to contact the firm at the provided XXXX number but never received a response. My debt management company then began negotiating with the firm in order to work out a payment plan. 

During negotiations, Hunt & Henriques filed a predatory lawsuit against me in XXXX XXXX XXXX XXXX despite this open line of communications. I immediately contacted this firm and was finally put in touch with an actual lawyer after having to speak with an account representative. I spoke with XXXX XXXX, XXXX, who confirmed that they formally sued me to collect the debt. XXXX XXXX refused to confirm if XXXX was even aware of their decision to file suit. Keep in mind, the call line said it was being recorded and may thus be subpoenaed during a formal investigation. I had no other option but to sign a stipulation and settlement in order to dismiss the suit without prejudice. However, per the terms, if I miss any payment then Hunt & Henriques will refile their complaint. In addition, complaint this firm filed consists of a simple box check form without a proper affidavit executed by a XXXX representative with knowledge of the facts alleged. 

It took approximately one month from initial notice of my account transfer to Hunt & Henriques to the firm formally suing me in XXXX XXXX XXXX XXXX. I believe I am a victim of XXXXXXXX XXXX recent " lawsuit blitz '' against debtors suffering from financial hardship during the ongoing COVID-19 pandemic as reported by XXXX  ( XXXX XXXX XXXX ). Accordingly, I am compelled to seek redress against this financial institution for their victimization of myself and others similarly situated, who have been dragged unnecessarily into the judicial system because oXXXX XXXX XXXX greed.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human XXXX  of XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit card or prepaid card

Citi Cards keep lowering my credit limit on account ending in XXXX due to negative activity, delinquent paid or unpaid. This account has always been in good standing and this is the second time my limit has decreased this lowering my credit rating. I asked for proof of the delinquency and receive no response from Citi Cards. My credit card limit has dropped from XXXX to XXXX with a balance about 200.00 Citi Cards is just a fraudulent company to deal with. Please help Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Several unauthorized Inquiries on my credit report, I did not authorized these institutions to run my credit report. Please remove these inquiries off my report. JPMCB XXXX JPMCB XXXX XXXX XXXX JPMCB XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMER 'S CREDIT REPORT, As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, driver 's license, and bank statement 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 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER Account : XXXX XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX
Product: Vehicle loan or lease

I filed CFPB Complaint ID XXXX regarding this same matter which resulted in the following libelous statements made by a representative with XXXX XXXX XXXX XXXX XXXX ), " Lastly, the account currently reflects a past due balance in the amount of {$320.00}. As reflected on the payment history, a payment in the amount of {$440.00} was returned on XX/XX/year>. As a result of the returned payment ( {$440.00} ) and a partial payment of {$120.00} made on XX/XX/year>, a past due balance of {$320.00} remains due. '' Please note, there was NO RETURNED PAYMENT. Someone with XXXX attempted to correct how my lease/personal property tax payments were credited and clearly did not know what they were doing. 

At no point have any of my lease payments been past due or even late. I have submitted evidence of ALL of my timely monthly lease payments submitted via my XXXX XXXX  account. I had the payments on autopay until XXXX began to regularly miscalculate my monthly account balances in XXXX. 

My monthly lease payments have not been properly credited this year, resulting in numerous harassing phone calls that have embarrassed me during work hours and in the evening. I have sent requests online and called several times to try to resolve these matters to no avail. This has caused me a great deal of time, stress, and anxiety. All I have asked is that XXXX properly credit my monthly lease payments and properly calculate any Personal Property Taxes due. 

My XXXX XXXX XXXX XXXX XXXX bill that I received from XXXX on XX/XX/year> ( email screenshot and bill attached ) says the amount due was {$1500.00}. XXXX billed me via my online statement {$1600.00}, which I paid. I also paid an additional {$120.00} after a verbal conversation with a XXXX representative. I have a credit of {$240.00} due to the overpayment of personal property taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX : XXXXXXXX XXXX XXXXXXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

This collection was disputed and also deleted on off of my credit file on XX/XX/2016 but keeps reappearing. I have never done business with Midwest Recovery. I do not have a signed contract nor any contract with Midwest Recovery. I am not liable for this collection from Midwest Recovery. Please validate this debt with Midwest Recovery and myself. An alleged bill from another company or alleged e-signature provided from another company is not proof of validation of a debt and is not suffice. Midwest Recovery failed to notify me BEFORE placing this alleged debt onto my credit report which is a FRCA violation. This violation can result in a {$1000.00} fine. All communication is to be through this portal. Midwest Recovery does not have permission contact me by e-mail, phone, or US Mail.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the findings of your recent investigation into XXXX bank, Account # XXXX. Your investigation, as outlined in your correspondence dated XX/XX/2024 failed to meet the standards required under Section 1681o of the Fair Credit Reporting Act ( FCRA ).

Under Section 1681o, consumers are entitled to recover damages resulting from negligent noncompliance with the FCRA. Your failure to conduct a reasonable and thorough investigation constitutes a clear violation of this statute. Specifically : 1. Failure to Investigate Submitted Evidence : I provided [ list specific documents, evidence, or supporting materials ] on [ date ]. This information appears to have been ignored or inadequately reviewed during your investigation.

2. Inaccurate or Incomplete Findings : The conclusions reached in your investigation do not align with the evidence I provided or the facts of the matter. 

3. Negligent Noncompliance : Your investigation process did not meet the standards required by the FCRA, as it failed to reasonably ensure the accuracy and integrity of the reported information. 



I request that you immediately re-open this matter and conduct a proper investigation. Additionally, please provide me with a detailed explanation of the steps taken during your initial investigation. If you fail to address this issue adequately, I reserve the right to pursue legal remedies as provided under Section 1681o, including recovering damages caused by your negligent noncompliance. 



Please confirm receipt of this letter and provide a response within [ state a reasonable timeframe, e.g., 30 days ], as required by law. Should you require additional information, feel free to contact me directly at XXXX, XXXX. 



Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  inquiry from XXXX XXXX XXXX on XX/XX/2023, 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: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My prepaid Bank of America debit cash pay card account is unavailable for some reason. I have the app and it says Card unavailable. Please contact us for details. It was working fine I noticed on XX/XX/2020 at XXXX. I can no longer make any type of transaction. Its a hard time for them in costumer service.
Product: Credit reporting or other personal consumer reports

These late payments are inaccurate and I've tried to get them removed various times throughout the years with no resolution from Capital One. The late payments are : -60 days past due as of XX/XX/XXXX, XX/XX/XXXX -30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Per USC CODE 1666B " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. '' I did not receive any statements, rather mail or digital mail / email within 21 days of my statement.

These late payments should removed or updated as current / positive status on my credit report.