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

I am writing to dispute unauthorized credit inquiries on my report dated [ insert dates ]. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have the right to dispute inaccurate information. These inquires were recently reported on my Equifax credit file. 

The inquiries listed are as follows : XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries were not authorized by me, and I believe they violate the provisions of the FCRA. Under Section 604 of the FCRA, a consumer 's credit report may only be accessed under specific circumstances, and I did not give permission for these inquiries. According to the FTC If an inquiry is found to be unauthorized, the CRA must remove it from your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

I received a phone call from my mother stating that a process server was trying to serve me with a summons and complaint to her home in XXXX XXXX, MI. I have lived in XXXX, GA for the past 15 years. When I called Midland the representative advised me that he could have no more contact with me because they were not licensed to practice debt collection in the state of GA. I asked him what would happen with the summons and complaint and he said it would be dismissed. I asked for that in writing and he advised me that he could not send any mail or email to me because I was in GA. That was on XX/XX/2019. Today I spoke with the 10th district court in XXXX XXXX MI and the clerk advised that no order for dismissal had been received to date. 

I feel as if Midland purposely filed paperwork in the wrong state because they are not licensed to collect debts in GA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 i disputed a collection debt of {$200.00} from ( AR resources INC ), this dispute was sent certified mail, as per federal law the collection company can not report any derogatory INFORMATION TO ANY CREDIT BUREAU UNTIL ALL DISPUTES ARE EXHAUSTED, and disputed within the first 30 days of receiving the collection notice. i received the notice on XX/XX/2018, dispute was sent before the 30 days. 

on XX/XX/2018 they sent a letter showing a {$00.00} balance invoice contradicting the claim of $ XXXX XX/XX/2018 i disputed the debt again and never received a reply back. on XX/XX/2018 i received a credit alert notice that ( AR RESOURCES INC. ) REPORTED THE COLLECTION TO ALL 3 CREDIT BUREAUS. 
THEY VIOLATED THE DISPUTE PROCESS AND HAVE CAUSED ENORMOUS DAMAGE TO MY CREDIT FILE. 

THIS COMPANY IS COMMITTING CONSUMER FRAUD, AND VIOLATION THE FARE CREDIT ACT RIGHT TO DISPUTE A COLLECTION PRIOR OF IT BEING REPORTED TO ANY CREDIT BUREAU
Product: Debt collection

I'm continuing to receive bills for services from XXXX and the XXXX XXXX of XX/XX/XXXX which I have already paid. I have talked to their Customer Service Dept. numerous times and have gone to their office to rectify the situation. I'm told the matters will be taken care of, but the next month I've receive the same bills. 

Now they have turned the following over to Americollect, Inc., XXXX. XXXX XXXX, XXXX, XX/XX/XXXX XXXX. The charges are : Acct. # XXXX for {$27.00} which was paid XX/XX/XXXX via Master Card and cleared XX/XX/XXXX ; Acct. # XXXX for {$14.00} which was paid XX/XX/XXXX via Master Card and cleared XX/XX/XXXX ; Acct. # XXXX for {$40.00} which was paid XX/XX/XXXX via Master Card and cleared XX/XX/XXXX. When I furnished proof of payment, Americollect told me XXXX said the payments were used for " something else '' and that I still owed these amounts. They can't seem to tell me what this " something else '' is. When I sent the payments, I followed their instructions by indicating on the payment slip which account numbers each was for. 

Now in the last two days I have received two phone messages and a letter from XXXX XXXX, XXXX. XXXX XXXX, XXXX, XX/XX/XXXX XXXX, indicating that I owe XXXX another {$300.00} on Acct. # XXXX going back to XX/XX/XXXX. The charge for this service was really {$410.00}, which I paid on XX/XX/XXXX via Master Card and cleared on XX/XX/XXXX. Again, I had clearly shown on the payment slip the account number to which this was to be applied. 

I have never dealt with a company that could simply say that payments clearly earmarked for specific billing could be used elsewhere and now you still owed these charges. I have complete records of all my dealings with XXXX. I have paid every bill I owe, and I have proof of these payments. I have no idea what other bills they may try to collect which I have already paid. 

Looking at theirXX/XX/XXXXrating, I was not surprised to see it as " F ''. Reading through the complaints, there seems to be a pattern here of lying to the consumer and creating a smoke screen in an effort to confuse people into simply paying the bills they receive whether they really owe them or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts listed below, have 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.

Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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

I am filing this complaint regarding inaccuracies on my credit report related to the XXXX XXXX auto loan account. Upon reviewing my credit report from TransUnion, XXXX, and XXXX, I discovered several discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and have caused me undue harm. 

Inconsistent Reporting Across Credit Bureaus The XXXX XXXX  account shows conflicting information about the Date of Last Activity across the XXXX credit bureaus : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX These discrepancies indicate a failure to report accurate and consistent information, violating FCRA Section 607 ( b ), which mandates that credit bureaus must ensure maximum possible accuracy in reporting. 

Failure to Properly Update Disputed Accounts The XXXX XXXX  account is marked as " Dispute resolved; customer disagrees '' on XXXX and " Consumer disputes after resolution '' on XXXX. However, the dispute status is not accurately reflected across all bureaus. 

Under FCRA Section 611 ( a ) ( 5 ) ( B ), when an account is disputed, it must be clearly marked as disputed until the investigation is fully resolved. The failure to do so is a violation of this section. 

Incomplete Information Regarding Original Creditor The XXXX XXXX  account lacks essential details about the original creditor, which is a violation of FCRA Section 609 ( a ) ( 1 ). Consumers have the right to receive complete and transparent information, which is not reflected in the report. 

Improper Reporting of Payment History The last payment date on the XXXX XXXX  account is listed as XX/XX/XXXX on both TransUnion and XXXX, yet the account remains open with balances reported well beyond that date. This suggests inaccurate reporting and failure to update the account properly, which violates FCRA Section 623 ( a ), requiring furnishers to report accurate information. 

Requested Resolution : Given these significant inaccuracies and violations of the FCRA, I request that the XXXX XXXX  account ( Account Number : XXXX ) be deleted from my credit report. These errors have harmed my creditworthiness, and I believe the account does not accurately reflect my credit history. 

I kindly ask that you investigate these issues and take immediate action to correct my credit report. Please notify me of the actions you take in response to this complaint. 

Thank you for your attention to this matter.
Product: Debt collection

I.Q. Data International, Inc. sent me a letter on XX/XX/XXXX stating that I owe a balance of {$910.00} from the XXXX XXXX ( NV ). I showed a zero balance after vacating the apartment on XX/XX/XXXX and even received a refund because I gave proper notice. This debt collection agency advised me to get a letter or written documentation from the apartment manager. On XX/XX/XXXX, I went to XXXX apartments to get documentation. The apartment manager told me they do not provide that but that I could call them back and let them know that I will send a copy of my refund stub as proof. So I had my mother speak this time and the first person she spoke to ( agent XXXX ) was very unhelpful saying that this would not be sufficient and that they are already sending me to collections. This upset my mother who stated she would file a complaint and the representative was even more rude saying to go ahead and file. She then called back and spoke to a Supervisor, XXXX, who immediately began speaking with an attitude before my mother could explain the situation and told her that she is disconnecting the call since my mom was planning to file a complaint. She then hung up on my mom without even giving her an opportunity to try to resolve anything. This is totally unacceptable behavior. I then called the Corp office for XXXX and they are going to research this issue, but in the meantime, this debt agency is abusive and should not be sending me to collections for something I do not owe.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ALL ACCOUNTS : XXXX XXXX XXXX XXXXXXXX XXXX - Reference number - XXXX Record type Bankruptcy XXXX XXXXdischarged Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - Reference number - XXXX Record type Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX  Removal date XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 _____________________________________________ FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452
Product: Debt collection

On XX/XX/2021 I was alerted by XXXX  that a new collection had posted to my credit report. I have never received any correspondence at the address where I live, nor any phone calls regarding any businesses with this company named " Enhanced Recovery Company '', and do not recognize any of the information associated with collection account. This is a violation of the FDCPA. 

I have requested that the company validate the account associated with the alleged debt and remove it from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, and Chapter XXXX Bankruptcy Discharged XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, 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 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit card

I have a credit card through Chase. On about the XXXX of XXXX I logged on to the Chase website to check my account and noticed there was an additional credit card listed which I had not signed up for. I sent Chase card services a message through the website asking about the card as it was not requested. They spun up their fraud department, asked me a bunch of questions, told me to let them know if I saw any activity on the account, etc. I responded that they should simply shut down the card immediately as I did not order another credit card. They indicated they did this. On Monday of this week, XXXX XXXX, my new, unrequested XXXX rewards card showed up in my mail box, with a host of " welcome to your new credit card '' material. I called Chase customer service to ask how this could happen and they indicated this was an identity theft modus operandi. I should immediately inform XXXX of the credit monitoring agencies and be diligent with my statements. 
To me, it feels more like someone at Chase is trying to solicit more business by sending out unrequested credit cards in the hopes that a few will not be cancelled. I find it odd that someone would steal my identity ( Chase indicated they would only issue a card with the appropriate SSN ), only to send the card and all the documentation associated with the card to my home address.
Product: Debt collection

I checked my credit on XXXX ( report # XXXX ) and found that I have an account in colletion that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the listed accounts on my credit report, which were reported by the credit bureau in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681. The following accounts have been reported inaccurately and in violation of several sections of 15 USC 1681 : Account name XXXX XXXX XXXX  Account number XXXX Original creditor XXXX Balance {$510.00} Account name XXXX XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$8600.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX Balance {$1400.00} Specifically, these accounts contain outdated and incorrect information that has not been updated or verified, and they were reported without my written permission as required by law under Section 602 ( a ) of 15 USC 1681. In addition, they violate Section 1681c ( a ) ( 5 ) of the FCRA, which prohibits credit bureaus from reporting outdated information that is more than 7 years old. The accounts also violate Section 1681s-2 ( a ) ( 1 ) of the FCRA, which requires credit bureaus to investigate a consumer dispute within 30 days and remove any information that can not be verified.

I also assert my rights under Section 1681g of the FCRA to access my credit report and dispute inaccurate information, as well as under Section 1681i, which requires credit reporting agencies to investigate disputes within a reasonable time frame. Furthermore, I dispute any inaccurate or misleading representations made by debt collectors on these accounts under Section 1692e of the FDCPA. Finally, I request the removal of any inaccurate or unauthorized information from my credit report under Section 1681 and Section 6802, which protects my rights to privacy and disputes unauthorized access to my personal financial information. I request that the credit bureau investigate these inaccuracies and remove any unverifiable information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. XXXX. XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report. XXXX. XXXX Account XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report. XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Product: Student loan

I am under Chapter XXXX, which includes a co-signer stay. Citibank was reporting 30-days late each month. This was not accurate due to the Chapter XXXX. I tried to contact them multiple times with no luck. I opened an investigation with the 3 credit reporting companies. As a result they are now reporting in collections/charged off every month. It should be reported as Chapter XXXX/Wage earners plan as I am making payments as my other loans are showing and not being marked negatively each month due to the stay. They are reporting the same on my co-signer 's report. This is significantly hurting my credit report.
Product: Debt collection

Re Account XXXX afni, XXXX XXXX XXXX IL Anfi attempted to collect debt of {$45.00} they claim I owe XXXX. I requested details supporting the billing from anfi and they supplied support for credits in 2015 of {$63.00} but provided no support for debit balance of {$100.00}. <P/>No date or description of service supported the {$100.00}, just " prior balance '' I have requested support from anfi for the prior balance of {$100.00}. <P/>I am disputing the legitimacy of the XXXX/anfi billing.