23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account NATIONAL CREDIT SYST XXXX Opened XXXX. XXXX, 2017 with a Balance of {$3700.00} incurred due to fraudulent charges, which according to XXXX XXXX Zero Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This account is trying to collect debt, which wad also listed on my credit report. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements.
Product: Credit reporting or other personal consumer reports

See document attachedI have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE XXXX HARD INQUIRES ON MY REPORT THAT HAS COME FROM IDENTITY FRAUD AND I WANT TO HAVE THEM REMOVED. ( XXXX ) XXXX ON XX/XX/2022 ( XXXX ) XXXX ON XX/XX/2022 ( XXXX ) XXXX XXXX  ON XX/XX/2022 ( XXXX ) XXXX XXXX BANK XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX 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 companies reported charge offs on my credit reported along with late payments but I never recieved the 1099C cancellation of debt form therefore these companies are reporting innacurate information. Please remove accounts in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency connot furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card occount under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

After examining my consumer report, I have identified inaccuracies and accounts that continue to be reported despite being disputed multiple times. I am deeply frustrated by the lack of action taken by XXXX, XXXX, and TransUnion thus far. 

XXXX XXXX. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX XXXX XXXX XXXX. Account Number : XXXX Misleading and False Reporting- This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX : XXXX. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX XXXX Account Number : XXXX Misleading and False Reporting- This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) 2. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX XXXX XXXX XXXX. Account Number : XXXX Misleading and False Reporting- This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) TRANSUNION : 1. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX  XXXX Account Number : XXXX Misleading and False Reporting- This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) 2. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX XXXX XXXX XXXX  Account XXXX : XXXX Misleading and False XXXX - This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g )
Product: Credit reporting or other personal consumer reports

I am writing to express my utmost discontentment with the continued existence of fraudulent accounts on my credit report. Following the reporting of this identity theft, I contacted the bank related with the fraudulent accounts. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent accounts would be instantly abstracted. Both XXXX and XXXX have already removed these accounts from their records after distinguishing and rectifying an error. I am at a loss by your confirmation of these accounts when the other bureaus have already removed them. Please delete these accounts from my file, as they are inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The original purchase price of the house was XXXX and we put down XXXX. We were told by the lender that we would have to pay the PMI at first and by the second year it should be removed because we gave more than the 20 % down needed and therefore the ratio of what is owed and what the house is worth would be below the requirement to have it removed. Ive called the bank, Ive placed numerous requests and they say that they will charge the PMI for the next 7 years because thats what they are allowed to do. But now the house is worth XXXX through last view on realty website and we owe XXXX which is well below the 78 % requirement to remove the PMI. Even if the house still appraised at XXXX its still below the 78 % because we put so much down. We just want the PMI removed, thats all.
Product: Debt collection

I had a mobile home in XXXX - and moved west to XXXX. I had XXXX different people lease purchase and each one progressively destroyed the home more and more. I could not continue managing it and could not afford to fix it so I did voluntarily surrender the mobile home back to Green Tree. This was around XX/XX/2011. After they picked up the trailer a man called me and said I then owed them XXXX dollars and how would I like to pay it. I explained financially there is no way I could pay a lot. I agreed that day to XXXX/month. He told me they would review again in three months. I talked to that same man again three months later. He cautioned me to never miss or be late with a payment and I have not been late or missed since that time. Over the past year Green Tree Collections has become more and more aggressive and I stopped answering their calls. I am called in excess of XXXX times a week often more than XXXX time per day. I live in MT and I am called before XXXX even though I have told them my time zone. The last lady I physically talked to several months ago - asked me " what are your intentions '' I told her I intend to do the same as I have done for four years and continue to make the payment. She told me " well that is not an acceptable arrangement. '' I explained they have accepted it for several years now and continue to accept it. She began yelling at me - I hung up and will no longer answer their calls which are frequent and feel like harassment. 
Additionally I have NEVER received one thing in writing from them - nothing - since the repossession, until I filed a complaint with the credit bureau because Green Tree was not showing up on my credit at all - now it shows as delinquent and in bad standing even though I am paying what I initially agreed to and I will continue to pay what I agreed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  says my credit score is unavailable, however, they did let me see my report and dispute three potentially negative postings. I felt bullied into signing up for their monthly " credit monitoring '' service and now they will not cancel it despite numerous communications to do so. 
Trans Union is even worse, they won't let me see my report and demand the same scam ; " sign up '' for our program or no dice. 
I haven't even bothered with XXXX  given their recent issues with being hacked and just expect the same treatment from them. 
If these behaviors by these companies is legal it is just barely so. 
It is ethically and morally offensive. 
Consumers are tired of being scammed!
Product: Credit reporting or other personal consumer reports

Subject : Request for Assistance in Removing Unauthorized Credit Inquiries Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally request your assistance in resolving an issue related to unauthorized credit inquiries on my credit report from Experian, XXXX, XXXX. The following XXXX companies have accessed my credit report without my consent, and I have no associated accounts with any of these lenders : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX have contacted each of these companies individually to request the removal of their credit inquiries, but my requests were denied. Additionally, I have reached out to Experian, XXXX, and XXXX to remove these inquiries from my credit reports, but they have refused, directing me to file a report with the Federal Trade Commission ( FTC ).

These unauthorized inquiries are negatively impacting my credit score and significantly hindering my ability to secure a mortgage loan. I am respectfully requesting that the Consumer Financial Protection Bureau ( CFPB ) issue a directive compelling Experian, XXXX, and XXXX to remove these unauthorized credit inquiries from my credit reports. 

Your prompt attention to this matter is crucial for my financial well-being, and I appreciate your assistance. 

Thank you for your consideration. 

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

I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX XXXX furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Debt collection

On XX/XX/2021 I spoke with an employee with XXXX XXXX XXXX. about account # XXXX for the amount of {$3300.00}. I informed them that the debt did not belong too me and that I was a victim of Identity theft and this account is fraudulent. I asked the employee for verification of all original documents with my signature to be sent too me by mail and email and I never received the documents from them by mail nor email. They refused to delete the debt unless the amount of {$3300.00} was paid plus an additional {$1000.00}. The address tied to this account is located in a complete different city and state then the actual apartments that is listed with this debt. The landlord I did business with at the time the debt took place may be contacted to provide any information that's needed.
Product: Debt collection

i have been receiving at least 5 or more calls daily from different phone numbers last time i spoke with someone they were really aggressive threaten to sue if I did not resolve this balance. she called today and angry and hung up on me after i questioned her how did she get my work # that I never provided.At the beginning I did offer a payment arrangements and the first lady was like no, if you don't pay in full i'm fwd to the pre-legal dept. {$50.00} a month i was able to do. I did not provide my work number, they called my job looking for me. I advised her that she has my cell and email address to contact me. All i want them to either agree to the payment plan or proceed otherwise but don't threaten me or repeated calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received an email alert from XXXX saying that I had a hard inquiry from COMENITYCB/ZALES. I filed a dispute with XXXX as this attempt to open a credit card was not me. The only contact information listed for the creditor was XXXX XXXX XXXX XXXX, OH. There was no number listed and with a quick XXXX search of the XXXX XXXX I found the following number, XXXX ( XXXX ) XXXX. I contacted the number only to hung up on by the person on the other end.
Product: Debt collection

I have a debt collection agency calling to collect a debt that I do not owe. I send a letter to the agency requesting a Validation of Debt within 30 days. This time period has passed, and I have not received validation. I had also requested no further phone communication, yet I received another collection attempt over the phone on XXXX/XXXX/15 at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an open account on my XXXX and Experian in the amount of {$2000.00} that does not belong to me. 

On my credit report XXXX XXXX shows this alleged debt was sold to a collection agency and both XXXX XXXX and the collection agency are both trying to collect double on what appears to be fraud. 


I do not have any open accounts with XXXX XXXX and this needs to be removed from all 3 Credit reporting agencies immediately, XXXX XXXX is sending the credit bureaus inaccurate information which has caused me to be denied loans and job employment
Product: Debt collection

I get calls from this company every day sometimes multiple times a day after already asking to be removed from the call list. I have not received any other form of communication from these people. I also received Covid assistance and it was not applied to my rent
Product: Checking or savings account

I chose to opt out of overdraft protection to avoid being hit with the {$37.00} fee that the bank says I won't get charged if I do this. I lost a source of income and fell into an insufficient fund situation in XX/XX/2021. The bank was making payments above my balance. I received a government payment that allowed me to pay off bills I needed to. But then on It started on XX/XX/XXXX with a {$190.00} payment to XXXX XXXX, and I was charged the {$37.00}. Then a payment on XX/XX/XXXX to XXXX for {$160.00}. And payments will into XXXX. There was a credit memo balance credit added, which only made things worse because it's not apart of my accounting system and cause even more problems with overdrafts. I received another government payment on XX/XX/XXXX, and the credit memo/ debit memo was taken out late, and taken twice. My balance is incorrect and now I'm being hit with even more charges.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX, XXXX. on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$710.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I recently look at my credit report for all three credit bureaus back in XX/XX/2019 and I noticed one particular debt that was closed and charged off but, in collections for the amount of {$3100.00} with a collection agency by the name of Monterey Collection Service. I had no clue who the original creditor is ( XXXX XXXX XXXX ) nor where this debt even came from. I have never received any letters from the original creditor about this debit nor the collection agency it was obviously sold to. I recently mailed Monterey Collection Service a debt validation letter certified on XX/XX/2019 and they didn't responded back to me until XX/XX/2019. The letter only stated that they had given me 30 days to validate the debt but never provided original documentations from the original creditor what the accurate amount of debt was or any of the documents that I had requested from them by law per the FCRA. I have been disputing this with all three credit bureaus and they keep saying that this company is saying that everything is accurate and the debit is mine. I have not received any proof of documents that this debt belongs to me since I disputed this debt on my credit reports. I have asked that this debt be removed since it could be proven to be my debt and it has not been done by any of the 3 credit bureaus. Also I have notice that since I have been disputing this debt the amount has been increasing and has went from charged off to unpaid but still closed and in collections. This sounds like a complete fraud and I want this invalidated debit removed from all 3 credit reports ( XXXX, XXXX and XXXX ).
Product: Payday loan, title loan, or personal loan

I made a payment of {$480.00} to pay off this {$510.00} loan. XX/XX/XXXX XXXX on the XXXX of XXXX XXXX on the XXXX of XXXX XXXX on the XXXX of XXXX. 

Total {$600.00}... The {$480.00}. was balance due. This company never sends emails, mail or phone calls... There call is for you to default. We had 90 no-interest. Not getting information on a due date, I missed the 90 day window. I overpaid with interest XXXX.. then for the next 7 months, I get referred to their collection side. They say now I owe {$45.00}. Again, we never got a phone call, email, text, mail or anything that there was a balance. They say they are FDIC. They are not. They are making money based on customers miss the 90 day window as I did.. I would have never used if I had to {$80.00} in interest. 

I received a phone call at the beginning of XX/XX/XXXX. From XXXX XXXX. They say they are part of Credova. I didn't know what this was.. After 7 months of no contact.. They say I am to log into their app and make sure I am up to date.. I have never downloaded their app.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under C + open end consumer credit plan as late for any purpose.

1728
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was open for a home address and was charged an additional charges by mistake of XXXX. This caused a high an inaccurate bill every month. There were attempt made in XXXX to get the account credited and corrected. I was told a supervisor was going to handle this account. Two months later in late XXXX of XXXX the account was charged off and reported to the credit agency 's. I have sense paid the balances on the account to XXXX XXXX for XXXX. The account was promised to be removed from the credit report completely as part of the agreement to pay. But as of XX/XX/XXXX The account still shows as delinquent collected. Please remove the account from my credit report. The reporting in incorrect, negative, false and inaccurate.
Product: Debt collection

I spoke to a representative at National Recovery Agency because I seen this debt on my credit report. The rep asked me to confirm my last XXXX in social, and she proceeded to tell me the social security number is XXXX, and those are not my last digits and ask for it to be deleted immediately.
Product: Debt collection

I contacted this company Portfolio XXXX XXXX to provide me with a signed contract to validate their claim no one ever responded. I sent out a letter on XX/XX/2022 I ended up sending another letter on XX/XX/2022 Certified mail. I have all my documents!!!