23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company XXXX XXXX XXXX several times I was told the collections would be removed due to identity theft however they didnt remove that was from the district they also are reporting two different balances which it should not be a balance that violates the and should be removed on those grounds as well I have submit multiple fta reports and police report and confirm my identity also equifax will not allow me to log on and I spoke with ally from fraud she was rude and hung up on me I would like the call monitored
Product: Debt collection

AFFIRM INC Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX This is an inquiry for which I do not authorize the reporting due to its inaccurate representation of my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S DEPT OF ED/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. US DEPT OF ED/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX, CA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although I do not owe this balance, I have reached out to the company to pay the balance because it is reporting negatively on my credit reports. No one will respond. I have now been able to download my paystubs that show the account was actually overpaid by a few dollars. I have faxed this information to the company but no response so far and it has been several months.
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, Transunion, 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 TransUnion 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, XXXX, and TransUnion 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 XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Key Violations : 1. Failure to Conduct a Reasonable Investigation : o XXXX violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested. o The use of E-Oscar resulted in an inadequate and incomple
te investigation.

2. Failure to Provide Details of Investigation : o XXXX failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ).

3. Inaccurate Reporting and Failure to Address 1099-C Non-Issuance : o XXXX, XXXX, and TransUnion continue to report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ).

o The collection agencys failure to issue a 1099-C for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

JP Morgan is listed on my credit report. My loans have been consolidated with XXXX XXXX since XX/XX/2014.
Product: Credit reporting or other personal consumer reports

I recently had several hard inquiries on my credit report that were not initiated by me. I also began receiving calls and notices in the mail of applications for credit ( accounts, credit cards ) that I did not initiate. All of these occured within a few days of each other in late XXXX. I locked my credit with all three bureas and reached out to most of the banks to let them know it was not me that had applied for the credit. Luckily, as far as I can tell, no accounts were successfully created. However, the hard inquiries are hurting my credit and I would like them removed.
Product: Prepaid card

There was an unauthorized charge on my XXXX play gift card. 

purchase date : XX/XX/2021 Amount : {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I call into the company they are not helping me over the phone.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXXXXXX XXXX XXXX is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Debt collection

In XX/XX/XXXX, I received court documentation on a XXXX loan with XXXX XXXX XXXX loan from Forster and Garbus a debt collection company in XXXX XXXX, New York. In XXXX, we began receiving threatening phone calls from XXXX XXXX XXXX in regards to these loans stating court action would commence if not paid. In XXXX, the excessive phone calls started again stating that legal action would be taken if we again didnt pay on a set schedule. We were told that the only way to avoid legal action against us and court intervention etc. etc., would be to sign an agreement to pay on a set schedule on these loans. In XX/XX/XXXX, we again received notices to sue. What aroused suspicion was that court documents were altered, dates were hand written in. Contacted XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX to validate notice and was informed that index numbers were expired and there was no county clerk name or signature on that court document. I contacted Forster and Garbus to request all documentation associated with this matter, and was bounced around between them and XXXX XXXX who claimed to have no record of me. I requested documentation again from XXXX & XXXX and was told They do not do that, and was again told to pay to avoid legal action against me. I Researched and realized that they and XXXX XXXX are already embroiled in a legal matter in which they are, as they are doing to me, threatening people to legally collect on debts that originally exceeded the statute of limitations, using bully tactics to sign agreements and sending false court documents that were altered with expired index numbers threatening legal action on an old debt.
Product: Checking or savings account

On Tuesday, XX/XX/XXXX at XXXX XXXX  I received a text message from the Chase Fraud Dept alerting me of a possible fraudulent charge that was made to my visa debit card. Upon checking it was noted that the charge was in fact fraudulent, I replied to the text message answering No, and followed up with a phone call to Chase fraud dept. After identifying that this was fraud, we located several charges from this company using three different names XXXX XXXX, XXXX XXXX XXXX, XXXX, for {$54.00} monthly from XXXX XXXX XX/XX/XXXX. We then filed a report with chase fraud dept and was given a file #. After further investigation we realized that the charges were from a company that we thought we were purchasing denial insurance but found out it was only a dental discount card. After finding out it was only a discount card we canceled on XX/XX/, just one month later after signing up. We were sent a cancellation email on that same day. 

On XX/XX/XXXX, I contacted XXXX XXXX XXXX and explained to the customer service that we were being fraudulently charged for services that were canceled in XXXX, I was told that she could see that the Services were canceled but could not refund the money. We disconnected with that representatives and called back to speak to a manager, we were then told they could only refund two months. 

Conclusion : Chase fraud department is refusing to refund our money when it was a clear case of fraudulent charges.
Product: Checking or savings account

On XXXX XXXX I noticed that two check that I wrote for my payments were altered. XXXX XXXX XXXX was altered and the pay to the order of was changed to XXXX XXXX and the amount was changed to {$2300.00}, Ck # XXXX was altered an the pay to the order of was changed to XXXX XXXX and the amount was changed to {$2400.00}. When I wrote the checks they were payable to the following : XXXX XXXX XXXX was payable to XXXX for {$150.00} and XXXX XXXX XXXX was payable to XXXX for {$47.00}. I then called my bank XXXX XXXX  and did a Forged /unauthorized check. My bank has sent multiply emails to PNC to rebate the funds back to my account. As to today XX/XX/year> no response and I didnt get my money back. It is going to be 1 year that I am dealing with this and I am not happy. I do not want to lose my money.
Product: Vehicle loan or lease

Hello- I recently opened an auto loan with Westlake Financial Services . After I had already left the dealership with the car, my sales person notified me that the bank was now asking for XXXX references. As far as I knew the deal had already been processed since I drove away in the car and had signed all of my paperwork. 
I responded to my sales person with email addresses for XXXX references. The sales person then came back saying the bank would need their phone numbers-so I then provided him with those phone numbers. After this request-the sales person let me know that the bank was now asking for a work verification to be completed. I gave him my boss ' direct phone number and email address. 
The bank then sent the work verification email to a coworker that I had listed as a reference. I had labeled them as a coworker so there was no confusion. This coworker opened the email to find my social security number, financial information and personal information attached. This has caused a huge issue where I work as we are on the same " team '' but are competitive roles. This team member now knows I make more than her-causing issues. I've tried reaching out to Westlake numerous times to get this situation rectified but no one will answer me. I get transferred back to the " home '' option operator and have to start all over again with the call process. No one answers my emails-or when they do they say they can not help me because I do not yet have an account number. I'd appreciate any help I can get with this as I consider it a very serious matter. Thank you!
Product: Mortgage

After significant renovations to our home, we contacted Truist to remove the PMI in XX/XX/XXXX. After 7 months of back and forth with them, they approved this ( attached ) on XX/XX/XXXX. However, they are still charging us PMI, and have doubled the PMI premium going forward on the latest statement ( attached ). After phoning and getting no solid response nor timeframe to get this resolved ( and being cut-off again ), we are now trying to get this resolved by contacting the CFPB- as we are not willing to wait another year before they eventually agree / answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX of 2017 a XXXX XXXX XXXX XXXX  was open in my name. A balance of {$66.00} on the account charged off first payment never received I have contacted XXXX XXXX to no avail I'm asking for help Equifax have yet to remove this account I have went to the police station they do not give police report they sent me to the Federal trade commission website which sent me to this website this is my complaint against an inaccurate fraudulent account of My consumer report I'm asking that it be removed according to section XXXX, I'm asking that you guys show the original paperwork with my signature stating that I open this account with all of the accurate information this is a fraudulent account please remove this account
Product: Student loan

I made a payment on XX/XX/XXXX that applied towards both of my two loans serviced by MOHELA. After clicking submit I got several error messages. Now my online account transaction history shows a total of XXXX transactions on XX/XX/XXXX when there should be only XXXX. These transactions are for seemingly random amounts, some zero, some positive, some negative. The total unpaid principal is actually higher now than it was on XX/XX/XXXX before I made payments. 

I've been on the phone with cust service for over XXXX hours and the agent agrees those are errors but there's nothing she can do about it.
Product: Student loan

For over 5 years now : This company is BULLYING me, my family, my friends, and my inlaws with phone calls using threats and profanity trying to find me to collect student loans that I am currently paying off to another company ( XXXX ).  XXXX XXXX is the person doing it. XXXX ext XXXX Tactics used : 1 ) Misinformation.

2 ) Bullying : harsh language, threats, profanity.

3 ) Giving my private information to others.

4 ) Harrassing non relevant people like my friends and in laws.

5 ) Harrassing my place of work asking for social security information, wages, and health issues.

6 ) Now they are threatening wage garninshment using a different company called XXXX, If I DID owe Delta money, why is XXXX being used for illegal wage garnishment? This is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States that I have a 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 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

VALIDATION AND CEASE AND DESIST Dear Sir or Madam : I received a debt collection letter from you. Do you have the right person? Can you supply me with a or agreement signed with your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 


Thank you
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit report act this creditor has violated my rights under 15 USC 1618 section 6 o 2 States i have the right to privacy ( 15 USC 1681 section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit card as a late for any purpose
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Debt collection

Unified Global Solutions, LLC XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, sent me an email stating that an account is past due and pending legal possible legal action which may include wage garnishment, through your employer or judgement against you. This may also affect your credit report as negative inquiry. 
I sent an email back to Unified Global Solutions requesting the following information : : Copy of the original contract with signature : Copy of the payment history with original creditor. This is a requirement of which has been established by XXXX v XXXX, XXXX XXXXXXXX XXXX XXXX XXXX App XXXX  XXXX : Please provide verification by line item ( with explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc ) for the entire amount you say I owe obtained from the original creditor. 
: The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any many that you claim I owe. 
: Proof of photo identification ( Driver License, state id, or any other government issued identification card ) that was presented to you at the time of the alleged debt that you say that I owe. 
: Name and address of the original creditor : Proof of collection/debt authorization and assignment. 

Unified Global Soutions response was our office was in compliance and refused to send information. I have all the emails that was sent.