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

My credit files were unlocked and someone applied for several accounts in my name. Please see attached letters
Product: Debt collection

XXXX XXXX XXXX, XXXX has sent to me by mail at least 2 or more written communications attempting to collect a debt that has already been discharged in a Chapter XXXX Bankruptcy. The last one is  dated XX/XX/2019. 

I did not respond to this most recent communication.
Product: Credit reporting or other personal consumer reports

Recently a collection has appeared on my XXXX report from a group named FIRSTPOINT COLL RESOURCES INC. I have NEVER been contacted by this group nor have they provided me ANY proof of any bill owed to " XXXX XXXX ''. As such this is a 100 % illegal and fraudulent collection. By law, they must contact me and provide proof. As they have violated the FCRA, I feel they should be fined, censured, or both. 
I have contacted XXXX to have this removed. If they do not do what is legally or ethically correct, I will also file a complaint against them as well. 
Companies can not do whatever they want to with no regard for the law. This is what has happened here.
Product: Consumer Loan

CashCall Loan This loan was taken in XXXX of 2013 for XXXX out of which XXXX was deposited to my bank account. This loan originated with XXXX XXXX which then immediately sold it to XXXX, and then it was sold to CashCall. To date, I have paid XXXX and have sent a complaint to XXXX as well. I have never missed a payment but can no longer afford their interest and I feel I have paid well over what I should have. I am asking that my account be closed and the account marked settled and paid in full.. They hide behind " Tribal Laws '' but infact are not tribal and they bandy the loan with several different companies. My agreement was with XXXX XXXX which was immediately sold to XXXX, then CashCall
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. After reviewing my report, I have noticed that there are several errors that need to be corrected. I am hoping that you will take the necessary steps to correct these errors as soon as possible. 

Firstly, there are several items of personal information that are incorrect. The account numbers associated with my previous addresses at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX in XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX are incorrect. Additionally, the employers listed for account numbers associated with XXXX XXXX XXXX and XXXX XXXX are incorrect. 

Furthermore, I am confused as to how the XXXX XXXXXXXX XXXX case with Case Number XXXX was verified on my credit report when other bureaus were not able to verify it. I request that this inaccurate information be removed from my credit report immediately. 

I also dispute several unauthorized inquiries on my credit report. The following inquiries have reached the statute of limitations and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX and XXXX XXXX XXXX ( inquiry on XX/XX/XXXX and XX/XX/XXXX ). Additionally, the following inquiries must be removed immediately as they were not authorized : XXXX XXXX XXXX XXXX ( inquiry on XX/XX/XXXX ), XXXXXXXX XXXX XXXX  ( inquiry on XX/XX/XXXX ), XXXX XXXX ( inquiry on XX/XX/XXXX ), XXXX XXXX ( inquiry XXXX XX/XX/XXXX ), XXXX XXXX ( inquiry on XX/XX/XXXX ), and XXXXXXXX XXXX XXXX ( inquiry on XX/XX/XXXX ). 

Finally, I dispute several accounts listed on my credit report. The payment status, balance, comments, payment history, and account numbers associated with XXXX XXXX XXXXXXXX, XXXX. ( account number XXXX ), XXXX ( account number XXXX ), XXXX ( account number XXXX ), and XXXX XXXX XXXXXXXX ( account number XXXX ) may be incorrect and must be verified, fixed, or deleted from my report. 

I appreciate your attention to these matters and request that you contact me as soon as possible to confirm the removal of these inaccuracies. 

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

Fraudulent inquiry on my XXXX  credit report. Someone used my personal information trying to get something.
Product: Debt collection

When I disputed this record with the credit bureaus, they stated the information was verified. However, because credit recording agencies often use software that doesnt provide complete investigations, I am disputing the information directly with you. This is my right under section 623 of the Fair Credit Reporting Act ( FCRA ).

Im also asking that you send your method of investigation, along with all records, as well as documentation that proves the account belongs to me. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; Valid copies of the debt agreement stating the amount of the debt and interest charges ; Proof that the Statute of Limitations has not expired ; Complete payment history on this account along with an accounting of all additional charges being assessed.
Product: Checking or savings account

Td Bank is not updating my bank status to the apps I have connected to my account. In particular, XXXX. I constantly have to reconnect the bank, and they almost never send reports to the app
Product: Debt collection

Paragon Revenue Group, The repeated Fake Debt Collection calls have been coming in for about 1-2 months. We are tired of the harassing phone calls for medical debt that is being handled by our Attorneys. This company and its people are performing fake and fraudulent debt collection practices here in the North Carolina area. Something must be done about it. My Attorneys and I have constantly told them about their fake and unfair debt collection practices for years now. It is constant calling, constant leaving messages, and harassment to the next level of our family on a daily, weekly and monthly basis. Please look into this matter asap. Thank you
Product: Debt collection

I 've been homeless after I move from apartment call XXXX XXXX so I can not receive mail Hunter Warfield claim email me papers about a settlement offer you have n't proved it also my ex-husband is on this least we had together but I only see it on my credit report we both signed a legal and binding contract I am now divorced from my ex-husband and now I have to deal with that debt I 'm wondering how come they never went after him I 'm not working due to a XXXX but he is when I left the apartment I did n't pay {$1700.00} and then Hunter Warfield climbing out of {$4100.00} this is a nightmare for me I have asked them to send me a paper to my current address. What I was told over the phone is after I paid the full balance I will get a letter a discharge meaning I no longer own it not sure why they would tell a lie like that because they do record us when we call
Product: Mortgage

In XX/XX/XXXX I was graciously given a Hamp modification while XXXX XXXX XXXX was serving my loan. My Hamp modification came with XXXX different abilities to earn reduction off my principal balance. The XXXX monthly incentive reduction equaling XXXX a year for 5 years and earned principal forgiveness of a deferred portion of my loan equaling XXXX amounts each year over 3 years in the end reducing the deferred portion at the end of the 3rd year. The first year while still with XXXX the 1st year earned principal forgiveness was completed as I received my year end statement and my monthly statement reflected as such. In XX/XX/XXXX my loan was transferred to Bank Of America and all seemed fine. When the 2nd year came BOA did not apply my 2nd year reduction. I started reaching out, no help. My 3rd year came no reduction, still no help. I I finally got someone due to going to their XXXX page and complaining and they opened a case in their escalation dept. Well still no help, so back to XXXX I go. Tonight I get a call from social media who states now I will get another escalation specialist. This man was kind but did n't even understand the terms of my Hamp Mod. I need someone to intervene here, I have never missed a payment or ever late under my modification which BOA sees and is aware, they just do n't know what they are doing. I need confirmation and in writing that all XXXX earned principal forgiveness portions have been completed and that my monthly incentive for the yearly XXXX had been reduced, and if it was not done, then BOA owes me a credit of the 2 % on the accrued interest portion over the past three years for the XXXX a year. Please make them answer and complete what my agreement states! Also make sure the balance on my credit report is reflecting currectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bull City Financial claims that I owe them {$170.00} for an account that they bought from XXXX XXXX. I have written to both Bull City, XXXX XXXX asking for more information and they have not been able to provide anything except an address that has never been mine, and my social security number. Of which I am alarmed on how they obtained my personal information. 
We then called Bull City to discuss the letter they sent me saying that they wanted so much personal and private information that I felt had nothing related to this as was an attempt to further scam me. In that conversation, they were extremely nasty, swearing and threatening me when I told them this is not my account and I do not owe the debt. I then wrote another letter attesting and certifying that the account was not mine and I do not owe them, thus I will not be paying for something I do not owe with a sworn Affidavit as I feel they are attempting to extort money from me. My family said to just pay it to make it go away, but I disagree, I have found that this company does not stop and continue to extort money from people. 
I have provided extensive documentation to both XXXX and XXXX to certify and attest that this is not my account and I do not owe. But they continue coming back saying that the creditor has verified the account is valid. Will of course they will and the credit bureaus will not listen to me as Bull City is paying them to post this bogus account on my credit reports and they ignore everything I provide.
Product: Debt collection

I went to check my credit and noticed my scores dropped by over 100 points. There was an unknown collection on my credit report that never notified me in writing before reporting on my credit ( this is illegal under FCRA laws ). 

I sent the company a debt validation letter and a dispute letter. They " verified '' the information with the credit bureaus, but wrote back to me saying they need me to call them to get more information. 

They never validated the debt and when I called the medical facility, they said that I never had any debt to them, so they don't know why the collection agency is claiming I owe them debt and verifying it on my credit report. 

The collection agency is breaking numerous laws and refuses to correct their errors.
Product: Checking or savings account

I've had alit of money stolen from me from beginning dates XXXX though XXXX I was incarcerated from XXXX to XXXX someone left a gap then stole some while I was not paying attention to my account I never received alit of my social security payments. I've been going through this a long time these transaction id # are not correct and I've been scammed.
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 XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : 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: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 180 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

XXXX did not block information on my credit report as promised im a victim of id theft information they reporting saying it accurate and i try many time to fix it with the compaines XXXX XXXX XXXX XXXX XXXX # XXXX # XXXX these account are do from id theft i sent mant document and police report ftc report they refuse to hornor my report they violating my rights 15 usc 1681i 605 b Section 623 ( a ) ( 6 ) Section 606 they not giving me fair reproting also linking my information to other credit llc.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of XXXX XXXX and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : - XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I initially had a {$100.00} starting balance and then got a credit increase to {$600.00}. On XX/XX/18 I had a balance of only {$15.00} and I paid the balance off and they closed my account after.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts being reported thru XXXX XXXXXXXX BANK thru all XXXX credit reporting agencies EQUIFAX XXXX and XXXX. these accounts were open fradulently onine with someone that stold my wallet and stold my personal identifying information that was inside such as my XXXX ID card and my social security card. These accounts have been reported to XXXX POlice Department for further investigation. I do not own these accounts and I would appreciate it if you remove all this debt from my credit reports. It is innaccurate and the information is not my ownership. This is not fair as my identity was never verified prior to the opening of these accounts. PLEASE REMOVE IT FROM CLOSED from all XXXX credit bureaus. This is the information to whom has my idenity information and is reporting this fradulent acconts on my credit report. PLEASE REMOVE THESE PROMPTLY. im willing to do whatever i need to submit to you proof that this does NOT belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized hard inquiries on my credit report, as indicated in the report recently provided by your agency. Upon careful review, I have identified these inquiries that were conducted without my explicit consent or knowledge. I am reaching out to seek your assistance in thoroughly investigating and expeditiously removing these particular inquiries from my credit report, as they adversely affect my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

AVANTCREDIT AND XXXX XXXXMUST SEND LETTER TO XXXX DEMANDING THE REMOVAL OF MY ACCOUNT FROM THEIR DATA BASE AND TO UN SUPRESS CREDIT FILES TODAY
Product: Credit reporting or other personal consumer reports

I am writing to formally escalate my complaint against XXXX XXXX XXXX XXXX ( XXXX ) regarding fraudulent and inaccurate information on my credit report. XXXX has engaged in unfair, deceptive, and unlawful financial practices that have directly resulted in severe financial harm, including the loss of my trucking business operating license and the unauthorized withdrawal of funds from my account. 
Despite filing my initial complaint, XXXX has failed to acknowledge their violations and has unlawfully continued reporting negative information, despite their role in causing financial damages. I demand immediate deletion of the XXXX account from my credit reports
Product: Debt collection

Company by the name of XXXX XXXX XXXX started withdrawing money from my account in 2016, I contacted my bank and advise them it was unauthorized and the charges were reverse. However a few days later the same company made another unauthorized withdrawal using the same name but adding symbols, so the charges could go through because the name they first used was flagged by the bank. 

I reached out several time but was unsuccessful on all attempts. After several attempts of them trying to withdraw from my account they disappeared and I heard nothing more for over 7yrs. XXXX XXXX XXXX an collection agency by the name of Vance & Huffman , LLC reported a {$2800.00} to collection on my credit profile for that same company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX as other Lenders attached projecting inaccurate credit score. Also projecting already disputed and verified information, which lead to automatic adverse action letter. 

When challenged, they claim that they report only what Experian tells them. Obviously, there is a serious glitch in their systems, and/or bad apples subverting proper information.
Product: Mortgage

I asked for a loan assumption since my husband died XX/XX/2011 and the mortgage was in his name only and I wanted to start a loan modification process. 
I was denied as a widow.
Product: Debt collection

The company Pressler and Pressler has been harassing me for a few years about a previous debt i owed over 5 years ago. they send mail to my house about collecting on the amount and recently they have been pressuring the issue of setting a judgment against me. included in the mail are docket numbers and index numbers they claim are filed with our local court. i have looked up these said numbers and nothing is to be found, i search my name in the court and civil clerks office and my name is to be seen no where in their files. i feel as if Pressler and Pressler are creating fraudulent documents in order to scare me and scam me for my money. none of the documents i receive acquire a judges signature for the actions taken against me i have never received a phone call from them, i have never been given a court date to defend myself against their so called actions, every few months they send the same documents in the mail stating their actions against me. i can not find anything against me in any court documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX To Whom It May Concern : I am writing to correct my personal information on file with your company. Please update my name with the correct spelling : XXXX XXXX XXXX Please remove employers and phone numbers as they are not relevant to my credit history. Please update my address to : XXXX XXXX XXXX XXXX XXXX, NC XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. I have tried numerous times to get this remove and they will not comply.
Product: Debt collection

Thank you for providing the validation documents for the debt associated with PLAZA SERVICES Account Number XXXX. 

While I review the documents, I want to make it clear that I dispute the legitimacy of this debt with your company. According to the Fair Debt Collection Practices Act ( FDCPA ), creditors must notify debtors before selling their accounts to collection agencies. Since I did not receive such notification, the validity of this debt being transferred to you is uncertain. 

Furthermore, the fact that I was not informed about the sale of the debt raises concerns about the accuracy of the information on my credit report. Therefore, I demand that you remove the record associated with this account from all three major credit bureaus ( XXXX, XXXX, and XXXX ) in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please note that even if the debt itself is valid, you are obligated to remove inaccurate information from my credit report if you can not validate the transfer according to the FDCPA.
Product: Credit reporting or other personal consumer reports

While checking my personal credit report, which I acquired fromExperian, XXXX, XXXX. I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Product: Credit reporting, credit repair services, or other personal consumer reports

My new address hasn't shown up on report. I've sent proper documentation to XXXX and Equifax to have my address updated months ago and nothing has changed. it is stopping me from getting a car loan.
Product: Credit reporting or other personal consumer reports

I notified all three credit bureaus that a debt collector called XXXX XXXX was continuing collection activities and reporting a debt to the credit bureaus without providing validation of the debt despite receiving my debt validation letter via certified mail, and that by doing so the debt collector was in violation of federal law. XXXX immediately removed the collection from my credit report upon being notified. However TransUnion has ignored my request for the collection to be immediately deleted from my credit report.