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

I am filing a formal complaint against **Equifax** for submitting a **dispute without my knowledge or consent** regarding my XXXX XXXX XXXX account**. This dispute was initiated without my authorization, and I believe it may be an act of **retaliation** for me filing previous complaints against Equifax and other credit bureaus.

I did not request, authorize, or initiate any dispute concerning my account, and the unauthorized action taken by Equifax is a **clear violation** of my rights under the **Fair Credit Reporting Act ( FCRA ) **. I have a reason to believe this action is a retaliatory measure against me due to my previous efforts to enforce my consumer rights and report violations.

**Laws Violated** : 1. **Fair Credit Reporting Act ( FCRA ), Section 1681b** ( Permissible Purpose ) : Equifax violated the FCRA by acting on my credit report without my consent. The law allows credit reporting agencies to act only when there is a **permissible purpose**, which was clearly not present in this case. I did not authorize them to initiate a dispute, and as such, this action was **unauthorized** and unlawful.

2. **Fair Credit Reporting Act ( FCRA ), Section 1681i** ( Procedure in Case of Disputed Information ) : Under the FCRA, when a dispute is initiated, it must be handled **according to established procedures**. Equifaxs submission of a dispute without my consent not only violated this process but may also be seen as an **unlawful act of retaliation** for my previous complaints. Retaliation in any form is strictly prohibited under **consumer protection laws**.

3. **Fair Credit Reporting Act ( FCRA ), Section 1681e** ( Duties of Consumer Reporting Agencies ) : Equifax is legally required to ensure that their actions on consumer reports are **accurate** and **authorized**. By submitting a dispute without my permission, they violated this core responsibility and potentially caused harm to my credit profile.

4. **Fair Debt Collection Practices Act ( FDCPA ), Section 807** ( Harassment or Abuse ) : Equifaxs unauthorized action in submitting this dispute could be interpreted as a **harassment or abusive practice**, especially if it stems from retaliatory intent. The FDCPA prohibits actions that are **deceptive**, **coercive**, or **unlawful** in nature, including actions that undermine or interfere with a consumers credit standing.

5. **Retaliation Under Consumer Protection Laws** : It is illegal for any company to retaliate against a consumer for exercising their rights under the **Fair Credit Reporting Act ( FCRA ) **, the **Fair Debt Collection Practices Act ( FDCPA ) **, or any other consumer protection law. I strongly suspect that this unauthorized dispute was initiated in retaliation for my prior reports and complaints, which would be a clear violation of my rights. 

I have also alerted my banking institution
Product: Credit card or prepaid card

On XX/XX/XXXX, Best Buy states they delivered XXXX XXXX camera I purchased. I get home and there's no package there, it was stolen. I submitted a dispute through my Citi Best Buy card and also submitted a previous CFPB complaint. They state that they gave " Monetary relief '' on the transaction, but all they did was issue a temporary credit while they did their " Investigation '' - in which they DENIED my credit back even though the package was stolen and a police report was also filed. The fact that they go to these insane lengths to avoid providing a sensible resolution like they should is insane. The fact that they're still holding me accountable for a {$850.00} charge that was STOLEN is unacceptable.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

THIS IS NOT A DUPLICATE - Complaint XXXX-XXXX  - was in reference to XXXX, XXXX, and XXXX not reporting Judgments against consumers ' credit reports. This complaint is about Coachella Valley Collection Service not having the authority to start collection activities in XX/XX/XXXX per California Code of Civil Procedure 673 and Section 681.020 as the XXXX XXXX XXXX XXXX  did not file the Acknowledgment of Assignment of Judgement with the court until XX/XX/XXXX. 


On XX/XX/XXXX, XXXX and XXXX XXXX XXXX XXXX assigned a judgment to Coachella Valley Collection Service ( See attached Acknowledgement of Assignment of Judgment ) Coachella Valley Collection Service opened a reporting account with XXXX on XX/XX/XXXX, and started reporting a delinquency to my credit file and continued to report a delinquency through XX/XX/XXXX. XXXX and XXXX XXXX XXXX XXXX filed the Acknowledgement with the Superior Court of California , County of XXXX ( reference case number XXXX ) on XX/XX/XXXX ( See attached redacted Register of Actions ) Per California Code of Civil Procedure 673 and Section 681.020, Coachella Valley Collection Service did not have authority to start collection activities until XX/XX/XXXX, when the Acknowledgement of Assignment of Judgment was filed with the Superior Court of California , County of XXXX. 
Coachella Valley Collection Service is in violation of the Federal Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq., Californias Fair Debt Collection Practices Act ( Rosenthal Act ), California Civil Code 1788 et seq., The Fair Credit Reporting Act 15 U.S.C. 1681, et seq, .The Consumer Credit Reporting Reform Act of 1966 ( Public Law No. 104-208 ( September 30, 1966 ) 110 Stat.3009-447, 2413 ) ( the Reform Act. )
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation and FCRA Compliance ( Account No. XXXX ) Dear To Whom It May Concern, I am writing to formally dispute the validity of the collection account referenced above. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that you provide proper validation and documentation of this debt. Specifically, please provide the following within 15 days of your receipt of this letter : The complete account history, including the original creditors name and contact information. 

A copy of the original contract or documentation evidencing my obligation for this debt. 

A complete chain of assignment or transfer, if the debt has been sold or transferred. 

Proof of your legal authorization to collect this debt. 

Any judgment or legal documents related to this account, if applicable. 

Until you provide the requested validation, please cease all collection activities, including reporting this account to any credit reporting agencies. Should you be unable to validate the debt within the allotted time, I request that you immediately remove all references to this account from my credit files and notify the appropriate credit bureaus accordingly. 

Please direct all future correspondence regarding this matter to my address listed above. I have sent this letter via certified mail, return receipt requested, to ensure proof of delivery. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation. 

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

I have attempted to correct this multiple times now. The credit bureaus continue bending the law and violating the Fair Credit Reporting Act. 

According to 15 USC 168i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus do not have written permission According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is ion fact ; inaccurate. 

Account XXXX XXXX
Product: Debt collection

I have started getting calls from FBCS on a regular basis recently. I didn't even know who or what FBCS was. I had to look them up online to find out this is a debt collection company. I am NOT in debt! I thought I got this straightened out last year when I went through this same problem with other debt collection companies. I was getting frequent calls for an XXXX XXXX XXXX, who apparently used to have my landline number. I filed a complaint through you and the calls from debt collectors stopped. Well, they've started again this year. I have had the same landline number for 3 years, so whoever this outfit is trying to reach is calling a number that hasn't been that person 's for years! I don't trust them, so I haven't called them back. I'm filing this complaint and blocking their number. I can't tell you how sick and tired I am of getting bombarded with calls for the wrong person. What does it take to get through to these debt collectors? I do not have an unlisted number, so it would be easy enough for them to check and see if the number they are calling matches the name of the person they're trying to reach. They don't bother. They start calling early in the morning, like XXXX. I thought it was illegal to call before XXXX am. If they are legitimate, they need to stop that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I attempted to get this resolved with the credit reporting agencies a few months back and the accounts are still on my credit report. This is damaging my character, reputation, and well-being. 

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 

Credit reporting laws ensure that credit reporting agencies only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

There are several violations on this account : Each Credit Reporting Agency is showing a different date of last activity and a different payment history. 

Therefore, the unauthorized accounts on my credit report need to be deleted immediately.
Product: Money transfer, virtual currency, or money service

XXXX   XXXX , there were several unathorized transactions made on my card through online. I have recieved  XXXX  out of the collective  XXXX  dollars but i still to the date of  XXXX   XXXX     2017  have not recieved any of my paperwork to file a dispute nor have i recieved the remainder by which the company  aceelitecard.com  has failed to provide as a record. The company is constantly tellibg me that the investigation is pendind the first time i believe they told me it wou ld be 7 to 10 business days, then after calling and questioning they ended up stating it would be 30 busin ess days now as of  XXXX   XXXX ,    2017 im told its probably going to be 90 business days. This is really been a convience to me for the past 2  months and it also raises an eyebrow towards speculation that maybe over this entire period of time possibly little by little my account has been jeapordized. Could someone please help me as i  XXXX   XXXX  am fed up with the lack of customer service priorty. Thank you
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX , my l oan was brought fr om   XXXX   XXXX   XXXX   XXXX   by Lending Bea  r. I  was told that I would have 45 days to make a payment, by 30 days later they started taking money out of my account and than they just stopped. A couple months after that my car broke down and they repossed my car and started callin g me in  XX/XX/XXXX    saying that I owe {$3000.00} and that they were trying to contact me but I never received anything in the mail and tha t was the last time I received a phone call from them.
Product: Credit card

Capitol One keeps reinserting a delinquent account that I was an authorized borrower on. They are reporting it as a joint account and it was never a joint account. I have a current capitol One account that has never been late.
Product: Credit reporting 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. 

Account Name XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, 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  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 XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Vehicle loan or lease

We paid this car loan off on XX/XX/2019. We have made numerous calls to BMO Harris Bank but still have not received the title to this vehicle. The last person we spoke with was XXXX ( refused to give last name ) said she was a manager, advised if we go litigated she will stop all research. She was of no help and did not want to help. We are tired of waiting on this Title as we want to sell this vehicle but we are not able to without a Title.
Product: Checking or savings account

1. My Citizen Bank account was a legacy XXXX accounts sold to Citizen Bank.

2. Around early XXXXXXXX XXXX, I realize there was an overdraft/outstanding balance ( less than XXXX XXXXXXXX ) in my Citizen Bank Checking Account. 
3. On XX/XX/XXXX, I sent in total of {$5000.00} to the checking account that had an overdraft/outstanding balance, with an aim to settle all balances. 
4. On XX/XX/XXXX, Citizen Bank sent me a check with an amount of {$4700.00} ( original {$5000.00}, net of overdraft ). I have no clue why I received such check.

5. When I logged into the website dashboard, all account balances are shown zero which made me think that all my balances with Citizens are now cleared.

6. However, my credit report continued to be report with late payment thereafter and my credit score continued to drop.

7. Finally, after speaking to more than 5 different representatives. There was another outstanding balance from " Overdraft Line of Credit ''. Apparently, the bank did not take the cash from me back in XXXX to settle that balance - before sending me a check for the remaining balance in the account ; in turn, the bank continues to report that as a late payment items. The bank took {$220.00} from my {$5000.00} cash balance to settle a bank overdraft balance. 
8. The bank failure to use the cash from the customer ( XX/XX/2022 ) to fully settle all the outstanding balances related to the checking account is not the customer fault. The bank staff did not review all the outstanding balance of the customer before closing out the checking account and remitting the check of to the customer account.

9. With the aim and action to settle the full outstanding balance ( sending in {$5000.00} ) to the bank from the customer, the bank should not report the customer 's outstanding balance as " late payment '' after they remitted the check to the customer. It is bank 's own error for not applying the cash to settle up the outstanding balance.

10. The bank should correct the customer credit report due to it is bank operational error. Bank staff did not review the account correctly before remitting the remaining balance.

11. Please see all the check copies. 1 ) Wires sent to Citizen bank with an aim to settle all outstanding balances ; 2 ) Check received from Citizen Bank.
Product: Mortgage

A person with my name ( XXXX XXXX ) has applied for a mortgage from Chase. Someone at Chase incorrectly noted his email address as XXXXXXXXXXXX, which is my email address. So now we have : - me : XXXX XXXX from XXXX ( email is XXXXXXXXXXXX ) - borrower : XXXX XXXX from XXXX ( email is unknown ) Sequence of events : - I received an email from XXXXXXXXXXXX on XXXX/XXXX/2016 asking me for tax information. I responded the same day indicating that I did not apply for a mortgage. 
- After receiving additionals emails, I called Chase customer service to resolve. They were unable to assist me, because I do not have a Chase account. They suggested I email XXXXXXXXXXXX, which I did. 
- The abuse account response indicated they could only interact with me via a secure web portal, and that I was to log in using my Chase account information. I responded by pointing out that I am not a Chase account holder. 
- I then received an email to confirm registration to a secure Chase portal. I was pleasantly surprised that Chase had figured out how to enable secure communications without me actually being an account holder. Upon confirming the registration, I discovered that the account was for the " other '' XXXX XXXX : it contained mortgage disclosure documents. 
- Concerned about identity theft, after 3 hours of calls to Chase, I finally spoke to the mortgage broker who originated the application ( XXXX XXXX - XXXX ). He confirmed that the " other '' XXXX XXXX has a different address and different last XXXX SSN digits. He promised to try to " disconnect '' my email address from the other XXXX XXXX 's account. 
- On XXXX XXXX, I received a call from Chase with questions about my account. A Chase employee asked me to verify my address and SSN last XXXX digits. Curious, I provided my information. The Chase employee then began to discuss my mortgage application. I immediately told her that this was not my application, and asked her to confirm whether my address and SSN were on the mortgage application. She paused, and admitted they were not. ( XXXX check right there. ) She promised to attempt to remove my email and phone number from the account. 
- Today ( XX/XX/XXXX ) I received another email prompting me to log into the Chase " secure portal '', only to discover my email account is still bound to the " other '' XXXX XXXX 's mortgage application. So now I have access to another person 's mortgage documents, and Chase can not figure out how to correct the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, which Credit Bureaus claimed was verified. Since I believed they didnt properly investigate my dispute I contact the data furnisher on the previous month XX/XX/2022, via certified mail. They were responding proving to me that I was correct. XXXX, Equifax and XXXX records show that it was incorrect. Since their investigation was done improperly, I need the following accounts listed below to be updated in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
o XXXX XXXX XXXX Balance Owed : {$7900.00} o XXXX XXXX XXXX Balance Owed : {$12000.00} o XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

It says that my Social Security number was found on the dark web and there is a debt collection from Credence collections for XXXX XXXX I do not know who they are? I also see an old address of mine and a phone number that I don't recognize listed as my number. I have been scammed in the past XXXX from jobs on Indeed and XXXX. My XXXX account was also hacked. Thank you for your help.
Product: Debt collection

XX/XX/2020 XXXX pm mountain standard XXXX arizona i am reporting a fraudelent attepmt to collect a debt that violates the Fair Debt Collection Practices Act i was notified by my mother that she revived a message on her voice mail .it plays as follows " hello this is XXXX from XXXX . i have had an delivery agent out there to the property address on file and he was unsuccessful with getting some one to sign the documents today our contact is XXXX XXXX XXXX we will only be able to make 1 more attempt before we return your file as a failure to comply again our number is XXXX XXXX XXXX '' end of message from Pinnacle, the only word given when requesting the company name. 
i proceded to call the number and was requested to put in my moms phone number and the last 2 of my social. still no info on the company just a robot asking for personal information then i was connect to a person who request the same information and i was never told at this point it was a debt collection. i was currently concerned with how my social was obtained and she read me my first 5 digits i then proceed to ask who they were and she ignored that and told me she represents a law firm who is currently filling to courts for a 15 year old debit with XXXX XXXX. 
she asked if i knew anything about this and out of fear i said i remember an overdraft that was for XXXX dollars that never settled and disappeared. she said we are showing a balence of XXXX $ and we are reporting you to the bank chex system which will cost XXXX $ and placing you on a black list to prevent you from opening accounts or having any check written. i said i need a lawyer and i would not answer any more questions i said this is a scam and i will not buy into it she affirmed me its not a scam how else would she have my social security number and told me shes send someone to have me sign documents and she cant just mail them i have to sign for them, which is wrong in my opinion, .i asked for the company name she replied pinnacle and her name was XXXX XXXX which seemed fake. i told her i do not approve you to do so and how will you send it if i haven't given you an address she read me an address that i didn't confirm to be mine and she insisted shes send some one out and hung up. i was never inform prior to call that this is an attempt to collect a debt or that i am being recorded i fell unsafe in my own house and fearful for my social security number being in someones hands like this i need help and i am very scared. this is so wrong for a debt collector to use such tactics to scare people