23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In a letter dated XX/XX/2019 addressed to XXXX XXXX XXXX and sent to all three ( 3 )  Credit Bureaus, the following document was attached as Proof of Claim in connection with the following accounts : XXXX, XXXX. 

In the responses from XXXX XXXX XXXX a summary of the accounts were sent and in the previous complaint to the CFPB ( Case # XXXX ) the document included the account and activities from the previous owner of the accounts but no documentation was included addressing the specific claim of XXXX XXXX XXXX 's rights to collect this debt. In the letter in response to CFPB, XXXX simply claim that " With the purchase of these accounts XXXX acquired all ownership rights, including the right to collect on these accounts and to report to the consumer reporting agencies ( known as " credit bureaus '' ), IF ELIGIBLE. '' The mere act of purchasing these accounts does not make XXXX ELIGIBLE to collect on these accounts. None of the following conditions have been satisfied : 1. XXXX MUST furnish a copy of any signed agreement debtor has made with debt collector, or other verifiable proof that debtor has a contractual obligation to pay debt collector. 

2. XXXX MUST furnish a copy of the original promissory note/agreement redacting my social security number to prevent identify theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 

3. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. 

4. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 

5. Verify as a third-party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 

6. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 

7. Verify you know and understand that credit card contracts are a series of continuing offers to contract and as such are non-transferable. 

8. Provide verification from the stated creditor that you are authorized to act for them. 

9. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 Sec. 1341.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to Credit Bureaus today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Equifax has failed to follow the Fair Credit Reporting Act, in investigating fraudulent information that has been validated from the other 2 major credit reporting agencies as been fraudulent and have refused to delete these fraudulent accounts while XXXX, and XXXX have deleted these accounts, Equifax repeatedly have sent emails stating they're working on my issue since XX/XX/2019 and it's now XX/XX/2019 with no results of the fraudulent accounts and a deliberate violation of the Fair Credit Reporting Act by not investigating and reporting my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shows late payments on my credit report from XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX these are incorrect and i have disputed these several times with the company and credit reported agencies.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, Hereby we ask to effect payments mentioned below and send funds to the beneficiaries or return these transfers to our account. 

XXXX XXXX has made transfers : - XXXX XXXX USD to XXXX XXXX XXXX on XX/XX/2022, - XXXX XXXX USD to XXXX XXXX XXXX on XX/XX/2022, - XXXX XXXX USD to XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 from our account in XXXX XXXX. 

At the moment the beneficiaries didnt receive these transfers, also XXXX XXXX didnt receive these transfers back to the account.
Product: Student loan

Mohela sent a super confusing email on XX/XX/XXXX which says regarding the XXXX delayed statement issue " You may also, instead, contact us to request a refund for any payment made during this time. '' The same email says " If you made any payment ( s ) between XX/XX/XXXX, and XX/XX/XXXX, they will count toward your future payment ( s ). '' Mohela deducted two payments during this time, one on XX/XX/XXXX and one on XX/XX/XXXX. However, they are still deducting my XXXX and XXXX payments. If I can still receive PSLF credits for the XXXX and XXXX payments while getting a refund, then I want a refund of those two payments. Their statement that if I made payments between XXXX and XXXX then they will be credited towards future payments does not make any sense if they are still pulling my XXXX and XXXX payments.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} DEPTEDXXXX XXXX XXXX XXXX XXXX {$170000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit reporting agency continues to show an open collection on my report, with  XXXX   XXXX   XXXX , that should have been removed when the original account " timed out. '' I have disputed this with another credit reporting agency but they refused to remove it until they received contact from CFPB ; this action took over 75 days so this time I 'm going directly through CFPB to have this account, well past the Statute of Limitations in Oregon, removed and the company notified to stop reporting it on a monthly basis.   Do these reporting agencies have no oversight!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

This is very upsetting, my credit report contains inaccuracies and incomplete information. My request to correct this information keeps getting disregarded and my credit score is unfairly affected which has negatively impacted my life.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX XXXX  XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Bank account or service

Since U.S. Bank submitted their side, of what is assumed, on their behalf, to be their reason of closure to my accounts. First issue I 'm addressing is why my ATM and Check Card Overdraft Coverage Confirmation was and still is being disregarded? Second issue is why my bank accounts were over drafted that high of an amount when I believe since I never had a linked credit card to my account to cover such an amount without causing U.S. Bank to alert me that my savings is insufficient to cover. Money will never be secure at that bank with personal that allows them to blame customers for their faulty technical technicalities, our right as customers, is they except blame along with who was n't qualified to be a bank representative. Third issue is notice of closure form had a date XX/XX/XXXX with amount owed {$480.00} to my savings account. XXXX charge off {$530.00} as of XX/XX/XXXX. They had about thirty or more days from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to investigate their at fault and be free of clerical errors reporting to XXXX. My accounts had fluctuating balances of {$5000.00} to {$10000.00} that past year of XX/XX/XXXX. I believe with fees and confusion, there is a balance owed to me. Issue number four is U.S. Bank did not care to find where my deposits disappeared too, only that I was supposed except their frivolous accusations as just a person in general to their concern, which felt violating in accord with my civil rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS.
Product: Debt collection

I recently file a complaint with the cfpb ( complaint attached ), The company PHOENIX FINANCIAL SERV claims that. Unfortunately, we are unable to locate a definitive account match based on the information provided. 
I gave them my last number of social security. the account # how appears in my credit report and they said they can locate my file.. How can they be reporting something to my consumer reports and they don't even have full information of the alleged account. ( consumer report attached ) This is to formally advise them that I believe this company has violated several of my consumer rights. Specifically : Identity Theft, They should not have any of my personal information. I sent them a debt validation more than 30 days ago tracking # XXXX and they ignored me, also they continued to report a disputed debt to the Credit Bureaus : another FCRA violation Not only they ignored my prior requests for validation of debt ( proof attached : receipt copies or letter copies ) but they continue to report this debt to the credit bureaus causing damage to my character. To whom may concern : ( Letter attached ) Pursuant to 15 USC 1692c ( c ) I am notifying them in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account Deletion from all consumer reports. I will reproduce an invoice with Federal violations due to me by your company if you don't comply with my remedy Best Regards XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$250.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$470.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$500.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$660.00} XXXX - XXXX - XX/XX/XXXX XXXX {$640.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$12000.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX / XXXX  - XXXX - XX/XX/XXXX - {$770.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1200.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with Vance Huffman collection agency has been re age. The date of last activity show XXXX being XX/XX/XXXX and XXXX show XX/XX/XXXX The original creditor ( XXXX ) has the date of last activity as XX/XX/XXXX, this shows the account has been re age.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called numerous times and made them very aware someone is trying hardly to obtain credit yet been unsuccessful because they can not verify my identity questions, I know who is doing this shes also trying to give me numerous inquiries to sabatoge my credit because her jealousy overwhelms her however my main concern is now that Experian themselves are sabatoging my credit, I have {$14000.00} in available credit that I dont utilize unless an emergency arises with exceptional payment history & credit usage yet they keep bringing my score down for no reason this time they brought it down XXXX points saying I have 0 % of a mortgage history, I know my rights and that is discrimination to take my score down redundantly for no reason and for not choosing to have an outstanding mortgage that would indeed bring my score down for large debt owed Ive disputed with them numerous times and asked why do they continue to bring my score down for no negative change whatsoever in fact I am a XXXX  XXXX by trade and am aware my score should continue to rise as I show continuous usage of bank and credit cards and pay them in full immediately Ive just been given credit increases of over {$4500.00} for my exceptional foundation which is 2.10 yrs old I should have a score of XXXX in its entirety yet they keep allowing this woman to put inquiries on my report and they are now telling me because I do not have a mortgage I dont deserve credit they literally just took XXXX points from me and I have been approved for a mortgage through XXXX XXXX XXXX and have been in the process of searching for a home all 4 credit bureaus are aware of this and Experian is holding me back by lowering my score for no negative reasons and trying to stop me from obtaining a good mortgage rate because it bothers them terribly that I will not accept their manipulation along with their affiliation with XXXX XXXX  and pay them monthly to monitor my credit report that I do just find myself and they are clearly bothered by my abilities I know my rights with the FCRA and its clear the fact that not only do I counsel others on how to repair their credit, gain credit, build it and utilize it but I alert them of how working with most credit repair companies alert the credit bureaus that they are working with these credit companies which tells lenders that you can not manage your finances and sought help/services from a company to do so for you. Im aware of this and I dont believe in it and I refuse to do this to people my ultimate goal and purpose in life is not to hurt nor manipulate others but to help them in its entirety even if they are not good people I know that Ive done my job Experian does not and is not in fact violating my rights and the the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been rate shopping and as a result my credit score has dropped in all three major credit reporting agencies. This quote in fron XXXX itself. " Most credit scores are not affected by multiple inquiries from auto or mortgage lenders within a short period of timeusually 30 days. In these cases, multiple inquiries will be treated as a single inquiry, and this will have little or no impact on your credit score. '' FICO scores have a similar treatment that is well documented. This happened to me in XXXX AND XXXX of 2017.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : " Inquiry Regarding Public Service Loan Forgiveness Application Status and Resolution '' To Whom It May Concern, I hope this message finds you well. As of today, XX/XX/XXXX, I am reaching out regarding my ongoing correspondence with MOHELA since XX/XX/XXXX. Despite having initiated communication over a year ago, I have yet to receive any updates regarding the resolution of errors that necessitate correction, as well as the finalization of the completion 'Processed ' status for my Public Service Loan Forgiveness . 

The lack of progress in addressing these matters is of significant concern to me, as it has resulted in the continued accrual of loan interest due to unresolved issues. I have previously forwarded numerous emails outlining the details of my situation, including attachments related to Public Service Loan Forgiveness, with the expectation of prompt attention and resolution. 

One such communication, dated XX/XX/XXXX, referenced an error in the calculation of my remaining qualifying payments, stemming from my employment at the non-profit organization, XXXX XXXX XXXX XXXX XXXX, since XX/XX/XXXX. Despite having met all prerequisites outlined by the program, my debts remain outstanding, prompting my inquiry into the status of my request for forgiveness. 

In light of the urgency and importance of this matter, I kindly request that you provide me with a comprehensive update on the progress of my case. Your prompt attention to this issue would be greatly appreciated. 

Thank you for your understanding and cooperation. 

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

Reviewing my account at late payment is incorrectly reported for XX/XX/2018 as well requesting correction
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES WERE FRAUDULENTLY PLACED ON MY PROFILE : XXXX XXXX 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 XXXX XXXX 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 AND XXXX REMOVED THESE FRAUDULENT INQUIRIES BUT TRANSUNION HAS THEM STILL REMAINING. THESE COMPANIES DID NOT HAVE PERMISSIBLE PURPOSE TO RUN MY CREDIT AND TRANSUNION DID NOT HAVE PERMISSIBLE PURPOSE TO PLACE THESE 17 FRAUDULENT INQUIRES ON MY CREDIT REOPRT.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$0.00} Date opened : XX/XX/2015 ; XXXX XXXX Balance {$0.00} Date opened : XX/XX/2015 ;
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and noticed some Hard Inquiries that I dont recognize XXXX 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

XXXX XXXX XXXX XXXX  Account number XXXX I DONT HAVE AN ACCOUNT OR CARD THIS IS NOT MINE IVE DISPUTED AND NO RESOLVE
Product: Credit reporting or other personal consumer reports

These inquiries was not authorized. 
please remove these inquiries from my report ASAP. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries should not be on my file i am sending a FTC and proof of ID aswell.

The companies are not complying with my request
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) a court order d ) employment NONE of these inquiries resulted in any of the above outcomes. 

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