23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Midland Credit Management , Inc for committing identity theft. I have never given Midland Credit Management XXXX XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from Midland Credit Management , Inc before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Midland Credit Management , Inc can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Midland Credit Management , Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Midland Credit Management , Inc continues its collection efforts, I will file for litigation for actual damages caused and Midland Credit Management , Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Payday loan, title loan, or personal loan

I took a loan from speedy cash/repid cash in XX/XX/XXXX and they just cashed a check for the payoff amount on XX/XX/XXXX. The collection agency that this was reported to made no attempt to contact me by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

The date is XXXX XXXX2022. The amount is XXXX. In accordance with the fair credit reporting act Account number XXXX XXXX XXXX XXXX has violated my rights. 15 USC1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A section2 it also states a consumer reporting can not furnish a account without written instruction. Also 15 USC 1666B! A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

i am writting to formally request the removal of fraudulent inquires that are on my credot report that was added without my knowledge or consent i have been a victim of identity theft my information has bee exposed to multiple data breaches which i belwive has lead to my information being used in attempt to open accounts in my name the fraudulent inquires in question are as follows : XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ; EQUIFAX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

Starting in 2013, someone used my name and my address to create checks, and a fraudulent checking account. I filed a complaint with the FTC ( ref. XXXX ) and a police report ( RN. XXXX ). I recently found these checks on my credit report which does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX claims that I authorized them to do a hard pull on my credit file, I disputed this inquiry that appears on my credit file because I know that I never gave them any authorization to do so, they are saying on their response to my first complaint that I did like they say because my address matches the one on the application. They are also calling me a liar in their own words and I am upset because that is very disrespectful and unprofessional coming from them. First thing is that in order for them to do a hard pull on my credit file, they must have permisible purpose from me the consumer and thats what I am asking them to provide me with and it seems like they dont have it or dont feel like they have to provide me with it but the FCRA says that a creditor or user has to provide permissible purpose. The EXPERIAN website also states this and that is why I am including pictures to show them that they must provide me with what I am asking for, if this inquiry is not deleted from my credit file I will be calling the attorney generals office and if I have to I will place a small claims suit against XXXX XXXX  for false accusations and for reporting information on my credit file without permisible purpose. I dont want to know anything about what they think, all I want is for this to be deleted now. I dont have to prove anything to XXXX XXXX or any creditor, the creditor has to proof that I initiated this application for credit, in this case XXXX XXXX has to proof that I initiated this application.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Could you examine the documents? There are discrepancies in the reporting, amounts, and dates for some of the accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Re : Formal Complaint against Experian for Violation of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally report a grievance against Experian, a credit bureau , for their alleged violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I sent a certified letter to Experian, addressed to the XXXX XXXX, on XX/XX/XXXX, seeking the validation of a debt related to a closed account with an open balance that is inaccurately reported as past due. The subject account pertains to my relationship with XXXX XXXX and has a reported opening date of XX/XX/XXXX, and an outstanding balance of {$200.00}. 

The FCRA, under Section 609 ( a ) ( 1 ), grants consumers the right to request verification of debts reported on their credit reports that they believe to be inaccurate or incomplete. My certified letter to Experian requested such verification of the debt associated with the mentioned account. Specifically, I sought information that would enable me to ascertain the validity and accuracy of the reported debt. 

Experian 's response to my request, however, has been unsatisfactory. The credit bureau failed to provide the essential information required to validate the debt, as stipulated by the FCRA. Instead, Experian continues to report the account as past due, which is having a detrimental impact on my creditworthiness. This reporting is in contravention of the FCRA 's provisions, specifically Sections 1681e ( b ) and 1681i, which mandate the accurate reporting of consumer credit information and the requirement to investigate disputed information. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter promptly, as Experian 's actions appear to be in violation of the FCRA. It is my belief that Experian 's failure to comply with the FCRA has caused substantial harm to my credit standing, potentially affecting my ability to access credit, employment opportunities, and other financial activities. 

In accordance with the FCRA, I would appreciate the CFPB 's assistance in addressing this issue and ensuring that Experian adheres to its obligations under the law. I have attached copies of the certified letter sent to Experian, as well as any correspondence received from them in response to my request. 

Thank you for your prompt attention to this matter. I look forward to the CFPB 's involvement and assistance in resolving this dispute in accordance with the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

This company called me XXXX on XXXX within an hour ( XXXX, XXXX ) and XXXX times XXXX so far XXXX on XXXX XXXX XXXX, XXXX, XXXX XXXX. I have been at work today ( XXXX ) and the repeated phone calls are causing me stress that is interfering with my ability to do my job. I work on commission, so this stress is significantly affecting my income as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a large number of inquiries on my report that do not belong to me and that I did not give consent for. I have contacted each company and they would not verify why my credit was ran. Most of these places are car dealerships, finance companies, and credit unions in which I did not authorize. I am sending a letter to the CEO 's of Transunion and XXXX next as I have not been able to get any results from representees. I have filed a complaint of identity theft with the FTC in which they gave me free credit monitoring since none of these accounts were opened. I attempted to file a police report, however, without the individual actually opening an account, they only took a written statement. Statement : XXXX which will be held on file if I notice anything come up on my credit report that is opened. 

Transunion : The follow inquiries are listed that I did not authorize : 1. XXXX  2. XXXX XXXX 3. XXXX 4. XXXX CA 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX  8. XXXX 9. XXXX XXXX 10. XXXX 11. XXXX 12. XXXX XXXX 13. XXXX 14. XXXX ( again ) 15. XXXX cred 16. XXXX XXXX 17. XXXX XXXX 18. XXXX 19. XXXX XXXX 20. XXXX XXXX 21. XXXX XXXX 22. XXXX XXXX 23. XXXX 24 . XXXX  25 XXXX XXXX 26. XXXX XXXX  XXXX  27. XXXX XXXX 28. XXXX XXXX XXXX 29. XXXX XXXX 30. XXXX XXXX 31. XXXX XXXX 32. XXXX XXXX 33. XXXX XXXX 34. XXXX XXXX XXXX : I did not authorize any of these inquires for any reason. 
1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX & XXXX XXXX 8. XXXX 9. XXXX 10. XXXX  XXXX ( again ) 11. XXXX XXXX XXXX 12. XXXX XXXX 13. XXXX & XXXX XXXX 14. XXXX XXXX ( Again ) 15. XXXX XXXX Bank 16. XXXX XXXX 17. XXXX ( again ) 18. XXXX XXXX 19. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX 23. XXXX XXXX 24. XXXX ( XX/XX/20 )
Product: Credit card

I got a bill from Synchrony Bank/Amazon in XX/XX/XXXX, with a charge dated in XXXX. I had previously had an auto-ship that I cancelled by computer for the same item description and price. 

I did not ask for this credit and I did not receive a card for this unauthorized account, just a bill. 

I have made several calls to Amazon and they tell me that the account number XXXX does not show that I have purchased that item for that price. They found my old account upon the last call and asked them to stop shipping it to my old address and re-cancel the auto-ship that I was not receiving and that I thought had been cancelled. They said they could not help me. 

It appears to me that when I cancelled the credit card I had been paying Amazon with ( XXXX XXXX ) they decided to open an account with their in-house bank Synchrony. 

XXXXmazon and Synchrony are running me in circles over {$19.00} for a product I don't receive and I tried and thought was cancelled in XXXX of XXXX. I am XXXX XXXX XXXX and a widow having a hard time financially and that small amount feeds me for 2 to 3 days. 

The bill says my account number is XXXX I thought that opening an account without permission of the consumer ( XXXX XXXX XXXX ) was illegal, but Amazon and Synchrony Bank appear to have done just that and will do nothing to cancel the account or the old processing of a product I don't want and I do not receive. 

I don't know how to attach documents to this or you would get a copy of the bill. 

Please help me. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

Received a call from a XXXX XXXX stating he was from capital one fraud dept. phone number was ( XXXX ) ask if I would confirm a charge to ( XXXX ) in the amount of XXXX. 
The Capital one card we had has been canceled. No one can charge on that account. He transferred me to a ( XXXX XXXX ) she was able to give me my name,, address, birthdate and SS number associated with that account. She also gave me my husbands info. She wanted to know the expiration date on our card and also ask for our debit card info used to purchase groceries. I told her she had the wrong person. The info was not right and I was giving them no information on any card I also told them I was contacting Capital one and check them out. I hung up and blocked their names on my phone.
Product: Checking or savings account

I am filing a complaint with the CFFB in regards to capital ones failure to deposit my direct deposit from my employer. Capital One has let it be known they are having technical issues, however this raises concerns and questions relating to consumer protection laws. I would like to request your assistance in investigating this matter in order to ensure that my rights are upheld. 
Thank you
Product: Checking or savings account

I had a checking account with Bank of America, and since I am out of the country and the account being inactive, I received a notice regarding this in the month of XX/XX/XXXX. I contacted the bank officials several times asking assistance to close the account and transfer the money, but failed and hence contacted CFPB seeking help to solve the issue. I filed an original complaint ( # XXXX ) dated XX/XX/XXXX. One representative named XXXX XXXX XXXX XXXX Resolution Specialist, Regulatory Complaints contacted me over my phone. She suggested me to write a letter for communication stating to close my account upon my request and send me a Banker 's Cheque, to my address after verifying my identity and my concerns are being genuine. She gave me the address to communicate also. Later she sent me a packet via XXXX courier which included all these information. She also told the Banker 's Cheque validity would be XXXX days and once not cleared within XXXX days, I should get back to her so that she would issue a new one. I received an email from Bank of America XXXX days after stating that my account has been closed. But after that there were not information or correspondence. I after waiting for almost XXXX months, filed another complaint with CFPB during the month of XXXX. Complaint # XXXX  dated XX/XX/XXXX. 
As a response to this another representative named XXXX XXXX XXXX, Executive Escalations, Resolution Complaint Operations, Bank of America contacted me over my phone like XXXX XXXX XXXX  did. According to him, a Banker 's Cheque was issued for me but dispatched to a wrong address. He also emailed my in my personal email address detailing all what have happened and a new cheque would be issued with a stop payment notification issued on the previous one. The response email I received from him on XXXX  and he mentioned that the cheque would be sent to my address on the same day. Despite waiting XXXX  days, I am yet to receive any information regarding the status of the same to this moment. He also mention that he would contact XXXX XXXX XXXX  for any tracking information and later replied that there were none. 
Copies of all communications are attached herewith.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was leaked in the Equifax databreach.
Product: Debt collection

In violation of both FCRA and FDCPA, I never received any notice of this alleged debt, with all of the required components, or of my right to dispute. However, as of XX/XX/year>, this alleged and fraudulent collection account was reported to my credit report. I do not owe this debt or any debt to National Credit Adjusters , LLC, or to any third party, National Credit Adjusters , LLC is stating to represent. I was a victim of identity theft and had a plethora of accounts fraudulently opened in my name. I have enclosed a copy of FTCs id theft report to this letter. As it is apparent that this alleged account was opened fraudulently, it is unconscionable that National Credit Adjusters , LLC chose to initiate credit reporting and collection efforts, without giving me my legal right to dispute. Per FCRA and FDCPA, all reportable information has to be true and accurate prior to reporting. National Credit Adjusters , LLC has failed to follow the law and has taken adverse action against me and my credit report, by placing a collection account on my credit report, which was opened by way of fraud, without giving me proper notification and my right to dispute. 

As such, I formally request that all adverse information placed against my credit report is removed immediately upon receipt of my documentation, and that further collection activities are ceased. By means of this letter, National Credit Adjusters , LLC is notified that should adverse information remain on my credit reports, and if collection activities continue, appropriate legal action will be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, I sent Transunion a letter demanding them to remove accounts from my consumer report Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. They didn't remove those accounts ; I also didn't give any written authorization to furnish any information on my consumer report. Transunion responded the items were verified, I never asked for a investigation I asked for the accounts to be removed.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, and I've only been in the XXXX for XXXX months. Currently, I'm focused on building my credit, and my only application so far has been with XXXX XXXX, where I successfully obtained a card. While I await my XXXX XXXX through the adjustment of status process, I've been bombarded with numerous hard inquiry alerts, which has left me feeling XXXX. Being new XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I lack the knowledge to effectively manage and protect my credit profile. A neighbor suggested I seek help through this portal by filing a complaint, as I suspect identity theft might be at play. As I navigate this new environment, I'm realizing the vast differences between XXXX and XXXX, and I'm in desperate need of guidance. Could someone please assist me? I'm uncertain about how this site operates, but I'm requesting an investigation into these potentially erroneous accounts and urging for their deletion if they are indeed fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I engaged in a consumer credit transaction with XXXX XXXX. XXXX XXXX sent me a adverse action letter that violated my rights pursuant to ( 15 U.S.C. 1691-1691f ) that stated Transunion Consumer Solutions is still reporting a bankruptcy / derogatory public record on my consumer credit report. I have tried to dispute the accuracy of this matter with Transunion several times and the derogatory public record is still on my report. Due to the inaccurate credit reporting, Transunion is directly impairing the efficiency of the banking system pursuant to ( 15 USC 1681 ( a ) ) which is essential to the continued functioning of the banking system. Transunion have ASSUMED a vital role in assembling and evaluating consumer credit and other information on me pursuant to ( 15 USC 1681 ( a ) ( 3 ) ) and have violated my right to privacy pursuant to ( 15 USC 1681 ( a ) ( 4 ) ). Please help me rectify this matter as Transunion have continued to diminish the value of my consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my Complaints # XXXX, XXXX, XXXX last XX/XX/XXXX but when I checked my Complaints, it seems that you have closed it on the same day. I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove these items not later than 4 business days. Here is the list of erroneous items found on my credit report : XXXX XXXX : {$530.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$510.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX & CO XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1100.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

TransUnion and XXXX has illegally reported wrong information on my credit report for years. It has impacted my ability to obtain credit. I was recently denied by XXXX XXXX, XXXX XXXX XXXX XXXX Ive disputed XXXX, XXXX, XXXX and Florida Child Support, along with all the unauthorized inquiries. TransUnion and XXXX told me to leave it on my credit and let it drop. Theyve cost me thousands upon thousands. They refuse to admit their mistakes and refuse to delete the information. I was told by a representative, that itll be okay. I wasnt notified of the lawsuit that XXXX and FTC have against TransUnion and XXXX. I wasnt provided any monetary compensation. My credit report and scores were affected by the TransUnion and XXXX breach.
Product: Checking or savings account

My account was closed and I was not notified of this action. After over 5 calls was finally told they needed to verify account.

Account was verified over 3 different times. 

Them I was told the company owner of my deposited check for {$1000.00} needed to call and verify information. 

XXXX XXXX and XXXX XXXX called TWICE ( they are also family members ) They verified check information and cleared checked dates. 

Called several more times and I get the run around from customer service to fraudulent dept. They can not release my funds without their authorization No proof of fraud No proof as to why account was closed Will not send me my funds {$2200.00} I need HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to the EQUIFAX Credit Bureau to REMIND them that there is no involvement from a third party. They can not legally contact third parties with my private or sensitive information for any reason. Lack of permission defines fraud. The items listed below are false and are having an effect on my ability to establish credit. I want this removed right away! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX