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

I am submitting a complaint to you once more to inform you again that I was the victim of identity theft. I have already filed a complaint at https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Hi Specialized Loan Servicing, LLC The property you are trying to foreclose is my primary residence. 
I am retired. I am XXXX XXXX. XXXX XXXX has suffered substantially due to COVID-19 Pandemic. I have been affected by COVID-19. 
Please obey federal law and stop the foreclosure. 
Please work with me. 
Thank You Very Much.
Product: Credit card or prepaid card

I was scammed due to a merchants deceptive sales practice. I purchased a skin care device that did not function as promised in XXXX, XXXX. I was told that this device would produce visible results in 2 months. I used device daily for 2 months and it did not do anything. I called the merchant to report this and he told me to bring machine back and he would help me. He insisted that I bring this back on a Sunday around XX/XX/XXXX which I did. When I got there he told me he would not take machine back because I had opened it. I replied with question How would I know it did not work if I hadn't opened it. My witness that was with me also reminded him that he said I would have major results in 2 months. He then said It takes 6 months to work. My witness then asked him why he was being dishonest. He became angry left the room slamming the door and returned with a large threatening looking man who didn't speak but appeared menacing by hovering over us in this small room and rocking back and forth. I felt threatened so we left the merchandise and hurried out of there. I have sent Capital One multiple documents outlining this and they kept telling me to send more information which I have spent exhaustive time doing so. I have also attempted multiple times to contact management of this business with no response. The purchase was expensive XXXX. Capital One is reported that they will not help me multiple times. I will not pay for something that did not function and that I do not have any longer. I am hoping that I can get assistance. In addition I have sent Capital One multiple reviews/complaints about this company and all complaints filed reported that they were able to successfully resolve this with credit card companies.
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 CARD Account Number : XXXX Account Name : 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 XXXX 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

TransUnion is still reporting an account called XXXX  that I disputed back in XXXX, XXXX deleted the account, Creditors send out the same information to all CRAs, All CRAs must reported the same accurate information, attached is a copy of XXXX stating that XXXXXXXX XXXX XXXX is not currently reporting on my consumer report.
Product: Mortgage

I am letting you know that another event has happened in case XXXX in the case of XXXX and citizens bank as XXXX XXXX graciously explained in his very poignant letter i did agree to close the account for the sum of the outstanding balance but no one not even my XXXX with whom i was counseled i, n order to get the equity loan, told me that i would have to forfeit the whole thing upon refinanxcing When i did close ti was not with an attorney but a bank manager and he did not disclose that if i closed it i would be charge a prepayment penalty of XXXX i have left XXXX XXXX, office of the chairman at XXXX XXXX but he did not respond I left another message on XXXX/XXXX/2016 but his maibox was full in summation, i would like citizens to send me a check of XXXX plus interest
Product: Student loan

MOHELA 's portal shows that my XX/XX/2023 payment period is ineligible for PSLF because " Deferment or forbearance exists this period. '' However, the deferment and forbearance during this period was eligible for PSLF credits per Department of Education guidance due to MOHELA 's own billing issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

These hard inquires are hurting my credit o have called the bureaus and explained my car is paid for XXXXm not sure why some many card inquires for my cars I brought my vehicle with cash I have over 13 hard inquires please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2020 I sent a dispute letter to Experian to review accounts listed on my credit report that are inaccurate. I have yet to receive any correspondance from the credit bureaus regarding this matter. I have called Experian to rectify the situation and I am never able to get through.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA you are expected to delete these items. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Regarding : Unauthorized Administration of the XXXX : XXXX Enclosed you will find your abandoned paperwork alleging that XXXX XXXX  XXXX XXXX XXXX XXXX, Third Party Debt Collector, who appears to be fraudulently claiming authority of this Executor Office XXXXo administrate for the XXXX XXXX XXXX . All executor de son tort and/or trustee de son tort actions are prohibited and proof of violation of 18 U.S. Code 1029- Fraud and related activity in connection with access devices. The consumer revokes any and all implied consent for administration, contracting, or communication of any kind, let alone the creation of a purported account enumerated s/h XXXX. Via multiple communications, including the non-negotiable CEASE AND DESIST notice dated XX/XX/21, the office of executor has proven no quorum approval of the board at the prior financial institution authorized the hiring of an attorney and that XXXX XXXX XXXX are falsely presenting themselves to have authorization as attorneys, when in fact, no such private attorney has United State authorization for litigation. Upon multiple occasions, XXXX XXXX XXXX have failed to produce evidence of a contract between themselves and the head agency with litigation authority, in violation of 31 U.S. Code 3718 - Contracts for collection services. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX : XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX : XXXX private information to other members , possibly resulting in identity theft. Upon investigation which XXXX XXXX  XXXX confirmed, TRAK AMERICA has implicated the prior agency and XXXX XXXX XXXX in unauthorized transmission of personal private information in violation of 15 USC 1692b ( 2 ). Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

The false and misleading representations prohibited by the Fair Debt Collection Practices Act are : 15 U.S. Code 1692e ( 1 ), 1692e ( 3 ), 1692e ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.

1692e ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to 1692e ( 1 ) ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.

1692e ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. 
1692e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 
Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$8900.00}, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00}. Inquiriy : XXXX XXXX XX/XX/XXXX.
Product: Debt collection

FINANCIAL CREDIT SERVICES REPORTED COLLECTION CLAIM ON EXPERIAN XX/XX/2016 Prior to reading claim on Experian, I had never heard of CFS, no contacts have ever been made, I read the report on XXXX ( since they have made no attempt to contact me in any way, I consider the first contact to be XX/XX/2016 ) Since they reported the claim XX/XX/2016 & yet to inform me they are in violation of 15 USC 1692 ( a ). This is just an act of harassment done at the bidding of XXXX XXXX XXXX, they have no real intent to attempt collection of this alleged claim. Further they have noted the involvement of an Attorney ( An attempt to excite & intimidate me ) After this complaint is completed I will once again head off to the USPS to mail yet another certified letter asking for Validation of claim ( just as I have with other CA 's ) & a letter to XXXX asking for deletion of alleged claim ) This process will continue until some type of official intervention is made, If XXXX had a claim that was verifiable, they should have no problem providing me with that proof. Am uploading the copy I have of XXXX 's report along with my Validation letter. I am a poor man, I depend on XXXX for income and live well below the poverty line, ( my food budget goes to pay for certified mail ) I have requested low cost legal aid & have been approved, yet, have received no assistance from them. I still doubt that this claim belongs to me & have been offered no prove that it does. I continue to act PRO SE IN MY EFFORT TO FEND OFF THESE ATTACKS ... I AM NOT REFUSING TO PAY A DEBT THAT I LEGALLY OWE BUT, WILL NOT PAY GRIFTERS TRYING TO MAKE AN EASY BUCK. AM UPLOADING DOCUMENTS IN MY SUPPORT.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these accounts and inquiries are fraudulent. 
The following accounts must be blocked and deleted immediately : XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$500.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$560.00} XXXX  - XXXX - XX/XX/XXXX - {$3500.00} XXXX - XXXX - XX/XX/XXXX - {$200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$340.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1700.00} Additionally, the following inquiries must be removed : XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, The reason for this letter it to dispute multiple unauthorized inquiries on my credit report. On XX/XX/XXXX, I retrieved a copy of my credit report Equifax and discovered multiple unauthorized inquiries that I have no knowledge that is on my consumer report. 
Because I did not apply for credit with XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; AND XXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX ; I have also reached out asking that they remove the inquiry from my credit profile.
Product: Debt collection

PORTFOLIO CAPIT ACCOUNT NUMBERs : XXXX AND XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you PORTFOLIO XXXX or any company associate with this account # XXXX AND XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PORTFOLIO XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This collections account is being reported as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. I will need to be provided a copy of my report once its deleted and updated, I do not have any open accounts with this company.
Product: Student loan

Advantage is threatening default. Aidvantage was not authorized to change my repayment plan. Advantage is needlessly harassing me. My loans may be over the XXXX  year mark and ready for deletion. Aidvantage put me on hold over XXXX hour and did not pick up. Aidvantage needs to put me back on my prior repayment plan and send me detailed information on the date of my loans. Aidvantage needs to be held accountable for unauthorized changes to my student loan repayment plan.

Plus Student Federal Aid flat out refuses to let me log in to my Federal Student Account I have contacted them numerous times and got nowhere.

This is all student abuse and they both need to be held accountable.
Product: Debt collection

This company has called me several times a day almost every day for the past few weeks. I finally received a letter from them on XX/XX/XXXX. I responded, asking for verification of the debt. I also asked that they not contact me until they validated the debt and that once I received their response, I would need 30 days to evaluate it. I sent this letter certified mail. The tracking number says they received the letter on XX/XX/XXXX at XXXX XXXX. However, that same day I received two phone called from them, at XXXX XXXX and XXXX XXXX. At no time have they ever left a voicemail. This makes this more an attempt at harassment than an attempt to collect a debt.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CDPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This is the follow up complaint for the negative items of my Credit report.I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX Balance {$0.00}
Product: Debt collection

I am currently in the process of disputing a Credit Card and amount on my credit report. I continue receiving documentation regarding wage garnishment and my employer is receiving the documentation as well from XXXX XXXX XXXX XXXX. I receive calls from my employer when these documents are received. Within the week of receiving the documents I receive documentation from the XXXX office stating the garnishment is dismissed. The following month I receive an notification of garnishment and a dismissal of garnishment a short period later. This is harassment and may cause my to lose employment. I feel this is harassment and will contact XXXX XXXX XXXX XXXX in writing. Are there steps I can take to end this harassment? 

Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

I bought XXXX XXXX for my house from XXXX XXXX in XXXX, GA. The sale included interest free financing, so I signed up. I recently received a credit alert saying I had charged a large amount to my Wells Fargo XXXX XXXX account. When I checked, ~ {$2500.00} was added to the ~ {$3500.00} account balance because the loan wasnt paid in full by XX/XX/XXXXXXXX I have made ALL of the original loan term payments since inception, automatically having the payment made from my checking account. I just found out that those payments would NOT payoff the loan in time to prevent the interest charge. When I called Wells Fargo, I was told that the interest was ~28 % accrued since loan inception. I asked if I could just payoff the original remaining {$3500.00} that day ( XX/XX/XXXX ) and was denied. I asked to speak to a manager and was told he would reduce the total ( ~ {$6000.00} now with interest ) by {$600.00} if paid in full right then. I declined because I feel like I have been deceived and am a victim of predatory lending. Now this account is growing at at 28 % per year.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Account XXXX XXXX XXXX  in accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions