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

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you XXXX have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I SPOKE TO XXXX XXXX WHO PROMISED ME A XXXX AMENDMENT TO MY MORTGAGE AND SHE SAID THAT ALL I NEEDED WAS XXXX XXXX IN THE ACCOUNT. I PLACED THE XXXX IN THE ACCOUNT AND THEY HAVE NOT CHANGED MY RATE TO XXXX.
Product: Mortgage

They are not processing XXXX & I correctly the principle balance is increasing!!! Huntington not produce a copy of the loan agreement!!! XXXX XXXX is a friend of mine.
Product: Credit reporting or other personal consumer reports

am filing this complaint because Experian has failed to properly investigate and verify accounts that I have disputed as inaccurate on my credit report. Despite providing detailed information and evidence to support my disputes, Experian * continues to report inaccurate information without demonstrating that the information has been thoroughly reviewed or verified as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Experian 's failure to comply with the FCRA is causing me significant harm, as these inaccuracies are negatively impacting I my credit profile and financial well-being. Specifically : 1. Experian has failed to notify me of the methods used to i HEr w verify the disputed accounts. E 2. Experian has not provided any proof from the furnishers I m of the disputed information to confirm its accuracy.

3. My disputes have been dismissed without proper reinvestigation, as required by law.
Product: Debt collection

A sprint account in my name was submitted to IC Systems for collection. IC System contacted me and I initially made a payment agreement XXXX to avoid credit bureau reporting. Upon further investigation, IC System continuously tacked on charges each month with zero explanation. My principal balance would increase by $ XXXX {$40.00} each month after I made a {$100.00} payment. I disputed this balance with IC System due to their misleading representation of the actual debt amount, ( Fair Debt Collection Practices Act, Section 807, False and Misleading Representations ) and also the misleading information representatives at IC System would provide me with. Rep 's for IC would tell me to contact XXXX, while XXXX would tell me to contact IC System, and when I requested a detailed final bill of all my charges, IC System requested XXXX send me records of my phone calls for all XXXX lines on my account instead of charges breakdown like I asked. XXXX nor IC System returned my request for validation of the debt, and instead, referred it to a third party collection agency. Every action taken by IC System was in violation of the Fair Debt Collection Practices Act, Section 807, False and Misleading Representations.
Product: Credit reporting or other personal consumer reports

Experian closed this complaint as duplicate well it's not a duplicate and has its own merit, FORWARDED TO DOJ
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. 
This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you.
Product: Payday loan, title loan, or personal loan

Heights Finance Corp, represented by the XXXX XXXX XXXX continues to attempt to or does garnish my wages from " seasonal employers '' they are running credit/job checks without my consent or atleast allowing me to revoke any prior consents, I'm a HOF Head of Family who barely makes it as we are in an economic harship and below the Federal Poverty Level , for a loan I took out many years ago {$3800.00} became {$5500.00} now over {$10000.00} with interest at 28 % post judgement as I unfortunately didn't know what I was signing and a default made interest change from 9 % per annum to 28 % this is highway robbery! My point is as I qualify for a HOF Head of Family exemption in my state of Missouri by law they can't take more than 10 % of my disposal earnings however with the high interest rate I will never in my lifetime being below the Federal Poverty Level be able to pay off this debt therefore pushing me into bankruptcy soon. Shame on Heights Finance and their crooked traits even if loan was never defaulted on and legal never occured and I paid on time I would have never paid this much in interest almost triple the original loan in interest alone! This summer I intend to voice my opinion by a peaceful protest on public property in front of there XXXX Mo location at the sidewalk with a banner and signs lined up stating " Shame on Heights Finance Corp '' do your loan elsewhere!!! A multi-million dollar corporation coming after low income families is unjust and unfair! There attorney was so in effective counsel they could have been paid off by the sale of my house a year ago however the XXXX XXXX XXXX failed to file a certified copy to the circuit court so bad attorney on there part.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not the first time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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

This company CREDENCE RESOURCE MANAGEMENT which I hold NO CONTRACT has attempted to collect a debt I DO NOT OWE! They have put this collection against my SSN in the amount of {$1500.00} I have asked for verification of this debts on THREE different occasions and they have failed every time to show proof of this said debt! This debt WAS DELETED from my report but REINSERTED on my credit report WITHOUT THE 5 DAY NOTICE! 
I AM REQUESTING THAT THIS ACCOUNT BE DELETED AND REMOVED INDEFINITELY FROM XXXX, XXXX, AND XXXX  IMMEDIATELY! 
IN ADDITION I WANT THIS BUSINESS TO HAVE NO CONTACT IN ANY FORM WITH ME REGARDING THESE ACCOUNTS. LASTLY I WANT MY PERSONAL INFORMATION REMOVED AND DELETED FROM THIS COMPANIES DATABASE, IMMEDIATELY
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to dispute the following incorrect information that appears on my credit report. The account listed under CBS INC contain inaccuracies and violations of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and other relevant laws. I am not acknowledging ownership of these debts, and my dispute is based on the legal violations and inaccuracies detailed below. Disputed Account : *CBS INC ( in the amount of {$670.00} ) 1. Violation of 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) : * There is no permissible purpose for these accounts to be on my credit report. According to 15 U.S.C. 1681b, consumer reports can only be furnished under specific conditions, none of which apply to the accounts in question.

1. Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : * Furnishers of information must ensure the accuracy of the information provided to consumer reporting agencies. The accounts in question contain inaccurate information that I have not authorized or recognized.

1. Violation of 15 U.S.C. 1681 ( a ) ( 4 ) : * The FCRA provides me with the right to privacy and accuracy in the information reported. The accounts in question were reported without my knowledge or consent, violating my right to privacy.

1. Violation of 15 U.S.C. 1681g ( Disclosures to Consumers ) : * I was not notified in writing within five days of the accounts being reported, as required by 15 U.S.C. 1692g.

1. Violation of 15 U.S.C. 1692f ( 1 ) ( Unfair Practices ) : * These accounts involve unfair and abusive practices, including the addition of unauthorized amounts, violating the provisions of 15 U.S.C. 1692f ( 1 ).

1. Violation of the Privacy Act of 1974 ( 5 U.S.C. 552a ) : * These accounts were reported without proper authorization under the Privacy Act, which governs the collection, maintenance, use, and dissemination of personal information by federal agencies. 

1. Violation of the Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692g ( Validation of Debts ) : * Debt collectors must provide a validation notice within five days of the initial communication, detailing the amount of the debt, the name of the creditor, and the right to dispute the debt. Failure to provide this notice is a violation.
Product: Checking or savings account

Dear Sir/Madam, I am writing to express my deep concern and dissatisfaction regarding the handling of my account related to the deposit of a {$35000.00} insurance check, deposited on XX/XX/year>. TD banks decision to hold these funds until XX/XX/year> has caused significant financial hardship and a breach of contract on there part. 

The funds were intended for payment to a contractor for services rendered. However, TD Banks negligence in recalling the payment from the contractor on the basis of fraudulent claimsclaims which have been proven to be falsehas caused a considerable delay and interruption in my project. The funds were wrongfully withheld for an excessive amount of time ( 256 days ) despite the claims of fraudulent activities. Throughout this excessively lengthy process the money was still in TD Bank account. Giving no indication of reasonable cause to recall the money from the contractor to begin with. This decision caused irreparable financial and contractual damages, preventing me from completing critical tasks and honoring agreements with third parties.

I request that TD Bank provides a detailed explanation for this mishandling of my funds, If not I will have to explore seeking legal compensation for the financial consequences incurred as a result of this failure, including but not limited to penalties I have been subjected to for breach of contract with my contractor.

Your urgent attention to this matter is required, or I will be forced to explore alternative courses of action, including escalating the matter to relevant financial regulatory authorities. 

I trust that TD Bank values its customers and will take the necessary steps to resolve this issue in a timely and professional manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian did not dispute what XXXX provided, all documents are below explaining everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Responding to XXXX XXXX XXXX saying that they didn't need my signature. Well I just got off the phone with the Federal Trade Commission and Attorney General 's Office about this matter. That XXXX XXXX XXXX ( XXXX ) who just sent me attachment of itemize bill statement. They stated that doesn't was not the truth that is why they said this month. FTC, State and Federal Law Enforcement Partners Announce Nationwide Crackdown on Phantom and Abusive Debt Collection Companies. Told me to keep them inform. They said according to the following : 1 ) Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to verify, through the phyiscal verification of the original signed consumer contract- any accounts you post on a credit report. Otherwise, anyone paying to the CRA could fax, mail or email in a fraudulent account. ( So, they said your reply was not truth you are in non-compliance ). 
This was stated to me by a FTC lawyer that if you continue in non-compliance to remind you of as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. Nov. 14, 1995 ). 
2 ) According to pursant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that claim is disputed and validation is requested. You must provide the following : 1 ) What the money you say I owe is for ; 2 ) Explain and show me how you calculated what you say I owe ; 3 ) Provide me with copies of any papers that show I agreed to pay what you say I owe ; competent evidence bearing mysignature 4 ) Provide a verification or copy of any judgment if applicable ; 5 ) Identify the original creditor ; 6 ) Prove the Statute of Limitations has not expired on this account 7 ) Show me that you are licensed to collect in my state 8 ) Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, Experian or XXXX ) this action might constitute fraud under both  Federal and State Laws. 
ALL NOTE THAT ACCORDING : As per FTC letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verifcation to pay the alleged amount. 
I am also attaching a letter that I am sending by cerified mail to you guys. I am maintain a careful record of all my communications for the purpose of seeking damage.
Product: Debt collection

The debt collector has repeatedly called and sent messages. i have responded in writing on five separate occasions. the collector alleges that i have a debt in excess of a {$1000.00} for subrogation of an insurance claim from an auto incident that occurred in XX/XX/XXXX in XXXX XXXX. There was an incident but the police determined that there was no liability and that they could not assign fault and clearly stated that each insurance company should pay the damage ( mine was a rented car and XXXX XXXX covered the damage to my car ). neither the police nor any court made a determination of liability but Afni insisted that XXXX ( the other persons insurance company ) determined I was liable. They do not respond to my written explanations and after researching them, I have learned that they have often destroyed people 's credit ratings based on circumstances such as these. On the phone, they repeatedly state I am liable but I am unclear on how legally a company is able to unilaterally ascertain liability and hire a credit agency to harass a person.
Product: Debt collection

Debt collector, AFNI, has not provided verified evidentiary proof of indebtness from the original creditor, XXXX XXXX XXXX within 30 days of my original dispute submitted on XX/XX/2016.
Product: Credit reporting or other personal consumer reports

I have been dealing with reporting inaccurate information, different socials, accounts not mine, accounts with balances that were included in a XXXX XXXX  bankruptcy, credit reporting sending me requests for my id and sending it with no response back, them saying they verified accounts with no proof and nothing legal no required federal proof or documentation. Now they have XXXX XXXXXXXX showing as NEW accounts that were closed years ago in a bankruptcy that was found opened fraudulent through the data breech!
Product: Debt collection

I spoke with a representative from the following company :  XXXX   XXXX   XXXX  ( collection Agency )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , VA  XXXX  (  XXXX  )  XXXX  In regards to partial acct #  XXXX  ( original creditor Capital  One ) In regards to a negative account on my credit. The representative told me he wo uld make a payoff settlement of {$1000.00} to settle the original debt of {$1200.00}, which was withdrawn from my checking account on  XXXX   XXXX    XXXX  . I just went into my credit report and they are reporting that I still owe the remaining balance of {$250.00}. I was told several times that my debt was settled and they would report it paid off to the credit bureaus. I even called a second time and spoke to a " floor manager '' and she said that the debt was resolved on the settlement amount and it would take 10 days for a letter to be drafted and reported to appropriate credit agencies. I have spent countless hours on the phone and cleaning up my credit report for the past 6 months. I am trying to get approved for auto loan within the month of  XXXX  and they have completely ruined my chances of that happening by not holding their end of the bargain and settlement amount. I will be reporting this to the BBB, Attorney General in Utah, and any other appropriate agencies necessary. Please help me as I need this reported to the credit agencies asap.     Thank you,  XXXX   XXXX  ends in  XXXX  Mailing address :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , UT  XXXX   XXXX  address :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , ut  XXXX
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 XXXX 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 a phone carrier opened at XXXX XXXX now in the hands of XXXX. XXXX  under the account number XXXX Credit account opened at Transform credit under the account number XXXX These accounts has resulted in several fraudulent credit accounts 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 XXXX  credit report maintained by you which shows the aforementioned fraudulent Items.I do not recognize the aforementioned collection account reported. The aforementioned collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned collection and credit account 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 the aforementioned consumer credit collection are the result of identity theft and fraud.
Product: Debt collection

Several years ago I got a notice from Paypal that I owed them {$260.00}. There was no specifics attached to bill, such as date of charge or what was purchased. This was odd because I had never had a paypal account. I did report this by phone to paypal but I never got an acknowlegment. But bills stopped. Recently got notice from XXXX XXXX that debt had been sold to them and now they are trying to collect. They sent me a form to fill out but I am reluctant to give them my social security number. I have no other issues with identity theft at this time. I want their harassing letters to stop.
Product: Credit card

CFPB Case # XXXX regarding CareCredit ending XXXX did not see Care Credit Corporate response until after I submitted my dispute. I would like to add the following response to my file please. I have faxed CareCredit with the dispute today and also sent response to Corporate Consumer Relations XXXX XXXX XXXX. Again I am very disappointed as she did not return my calls after XXXX and I believe Care Credit has NOT been fair in their responses to me or verifying the XXXX claims for treatment that I did not authorize or receive. 
Thanks you Sincerely, XXXX XXXX XXXX
Product: Student loan

I have spoken with someone from National Recovery Solution LLC. They sent me an e-mail and I clicked on the links to get this far. I am in the middle of a divorce. My soon to be ex-husband has used my name multiple ways. He has opened various private loans in my name stating that it was for education purposes. When he opened accounts he opened them in my name with his email information and his phone number so I would not receive phone calls about the debt. I am unaware of private loans for my education. I attended XXXX University. I completed FASFA loans through the college. I am also currently dealing with student loans that have been on deferment multiple times. This is my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My husband has always handled the finances ...... I was under the assumption we had been paying on my student loans as he would fuss about making the payments. I have went back to XXXXXXXX XXXX to question debt and gave the amount showing on my bills. They made mention that it would not have cost that much for me to attend their program while living off campus. I would appreciate someone please looking into this matter and letting me know who opened the account in my name and with what information. I could write a book on what I am currently dealing with.
Product: Credit reporting or other personal consumer reports

I am responding to experians dispute results delivered to me on XX/XX/XXXX. Report # XXXX ally financial account # XXXX. According to 15 U.S. Code 1681e - Compliance procedures. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have shown proof of document via bank statements to prove i was never late on XX/XX/year> and XX/XX/year>.