23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$53000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to pull my credit. I have asked XXXX XXXX and Equifax to remove this credit pull but they are unresponsive. Equifax also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX
Product: Payday loan, title loan, or personal loan

The Phantom Debt Collector Scheme is what happened. The ordeal started in XXXX, and has caused severe consumer injury. In fact the mishap cost me my career. I am still in the process of gathering all the details. I do have the original  contracts, bank  statements, and L.E.S. statements show how finances were deducted. By the time I realized what was happening it was to late to fix from my geographical location. The criminals tried to frame me for the crimes committed against myself and the United States-XXXX. I was put into a XXXX status for 4 months in XXXX XXXX, and found out that I was XXXX. 
Pioneer Service " XXXX '' XX/XX/XXXX : - {XXXX} XX/XX/XXXX : - {$XXXX} XXXX - {XXXX}  XXXX - {$XXXX}  XXXX - {$XXXX} XXXX - {$XXXX} XXXX - {$XXXX}  XXXX - {$XXXX}  XXXX - {$XXXX} XXXX - {$XXXX} XXXX - {$XXXX} XX/XX/XXXX : - {$XXXX} XX/XX/XXXX - {$XXXX} XX/XX/XXXX to XXXX XX/XX/XXXX=- {$XXXX} loss of remainder of sign on bonus : - {$XXXX} Total loss : - {$XXXX}  ( Loss of XXXX Career priceless ) I was XXXX  on XX/XX/XXXX. I have tried to fix this ever since. Each time my technology gets hacked or broken and the process ends. In XXXX the Veterans Affairs awarded me XXXX for the XXXX associated with being XXXX  from my career prematurely. Also in XXXX 7 days later in another state the FTC  was shutting down the Phantom Debt Collectors that had harassed me since XXXX 's first  payday loan. Each debt seemingly went into several collections agencies that were connected to military debts. ( Pioneer Services  & XXXX ) XXXX XXXX loan discharged XX/XX/XXXX + {$XXXX} I have receipts for phantom debts that I have paid that were not actual debts. Total loss is still being calculated. It should not be this hard to get something cleared up, and/or this long to be addressed with the consumer that has been/is being targeted by aggressive criminals-debt collectors. 

XX/XX/XXXX The Phantom Calls began again triggering me to discover new evidence solving an 11 year old mystery for me. What really happened in XXXX, XXXX during XXXX was very damaging to our missions. I'm still working all the issues out. Per my calculations the Phantom Debt Scheme has stolen thousands of dollars from me then dismantled me financially, and threatened to imprison me if I ever told anyone. Here it is 11 years later, and I finally understand what happened. I was targeted by highly skilled professionals, victim, framed for crime, and someone went to extreme measures to cover it up. 


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

I have sent out several disputes to each of the credit bureaus : Transunion, XXXX, and XXXX and have yet to hear back from any of them. I have inaccurate items reporting on my credit and have been sending disputes since XXXX. I have yet to receive any results or correspondence from them saying they even acknowledged my disputes. Under the law the have to respond back to me!
Product: Debt collection

XXXX. I purchased goods from a vendor on XX/XX/XXXX for {$290.00}. The purchase was paid for through my PayPal account which is tied to my checking account. The funds were withdrawn on XX/XX/XXXX. 
XXXX. The order was cancelled by the vendor on XX/XX/XXXX. 
XXXX. By XX/XX/XXXX the refund had not shown up in my checking account and I contacted PayPal. PayPal advised that the refund had been issued to my bank. 
XXXX. On XX/XX/XXXX I contacted my bank ( as was suggested by PayPal in their chat response to me ; see the attached documentation ) to determine the status of the refund from PayPal. My bank stated that there was no record of PayPal having issued any transactions to my account, pending or otherwise, and at their advice, I opened a dispute. In conjunction with opening the dispute, my bank issued to my checking account a temporary credit while the dispute was investigated. 
XXXX. On XX/XX/XXXX a credit from PayPal appeared in my checking account. 
XXXX. On XX/XX/XXXX I became aware ( when reconciling my account statement ) that the PayPal credit had appeared in my account and proactively notified my bank of the fact by telephone. My bank closed the dispute. In conjunction with closing the dispute, my bank issued to my checking account a debit to reverse the temporary dispute credit that had been issued on XX/XX/XXXX. 
XXXX. On XX/XX/XXXX PayPal advised me by email that I owed PayPal {$290.00}. 
XXXX. After various communications with PayPal via their chat service and with my bank by phone, I was told ... 
a. by PayPal that I owed the amount because my bank had backcharged PayPal {$290.00} when I was issued the temporary credit, and since I was issued two credits I owed them one of the two. 
b. by PayPal that I could file an appeal at XXXX. I did so, noting that ( 1 ) the temporary credit had been reversed, ( 2 ) that PayPal had provided no proof that my bank had issued such a backcharge, and ( 3 ) they needed to take the issue up with my bank. 
c. by my bank that no backcharge was issued to PayPal, and as a matter of policy would not have been, since PayPal responded to the dispute within the 45-day dispute review period. 
9. Having sent PayPal two " appeal '' emails XXXX on XX/XX/XXXX and XX/XX/XXXX ) at the email address directed by PayPal, and ... 
a. having had no response to either email by today, XX/XX/XXXX, b. receiving more than 45 collection calls from PayPal, having directed in writing both through PayPal 's chat service and through email that communication needed to be in writing and to cease harassing calls, c. receiving numerous emails from PayPal trying to collect the {$290.00}, ... 
I am filing this complaint. 
Documentation of all of the above is attached.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act. the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX account # : XXXX, XXXX Account XXXX XXXX, XXXX account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C. 1681 section 602A. 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 an 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 items of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has responsibility caused to believe that the information is inaccurate.
Product: Mortgage

Mortgage XXXX US Bank ORIGINAL mortgage taken out by XXXX XXXX XXXX and XXXX XXXX XXXX In XXXX of 2015 I filed a insurance claim against my insurance company XXXX XXXX XXXX company Insurance policy XXXX US Bank ticket XXXX A check was sent made out to myself, XXXX XXXX XXXX ( 2nd mortgage holder ) and US Bank. I signed it, XXXX XXXX XXXX signed off on it and it was sent to US Bank who cashed and still has the money. The check was for {$24000.00} The asked for the check, the insurance adjuster 's worksheet, a signed contract and a contractor waiver of lien. I sent all of that. Then they wanted a XXXX filled out. I sent that. 

Then they said they had no paperwork so I sent it again. Everything goes into the general pool of file loss representatives and no one will take responsibility. 

I finally did get a check for {$20000.00} on XXXX XXXX but it was made out to me and my deceased husband. They have an original of the death certificate and he is not on the insurance, only I am. So I had to return the check and then once again they claimed there was no paperwork. They will not transfer me to a manager, even a voicemail, and no manager has EVER called me. 

All the work has been done by my contractor and I really would like to be reimbursed for all of it. 

At this point I do not know what else to do short of hiring an attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Product: Student loan

I enrolled in XXXX in XX/XX/year> in the full-stack web development course. I agreed to pay almost {$35000.00} after interest through their tuition deferment program, the terms being that I would not have to pay until I landed a job and that I would not have to pay while I was still enrolled as a student. I am currently 50 % through the course. During enrolment, I was promised a dedicated team which included a XXXX XXXX XXXX XXXX XXXX and several other live XXXXXXXX XXXX. Throughout my time as a XXXX, XXXX has gone through XXXX rounds of layoffs with XXXX communication. I lost the entire team, they changed XXXX channels without telling anyone, and the ability to get help was a reply to " go to XXXXXXXX ''. I tried many times to reach out to XXXX that what I had originally signed up for and was legally bound to pay for was no longer a service they were providing. They've removed and redone parts of the original course and I have no idea as to what they removed and if I am still getting my money 's worth. They have completely redone their website and are now charging $ XXXX less for the same program I am currently enrolled in with broken links and lack of availability from staff to help. They said they don't hire graduates, when in fact, many of their learning assistants are recent graduates and many times are not able to help me causing me to have to wait extra time until I can finally get help. Most of the time I am told to just go to XXXX, and it does not make sense to charge me {$35000.00} to talk to a research XXXX  tool. I am very worried that they will not be able to hold up to their promise ( and main advertising line which can be seen all over their website ) of placing me in a job. I signed up for this because they advertised and promised a better life and financial security through tech job placements. They say they have affiliations, but their affiliates have frozen hiring. I know this because I am in touch with students who were hired and because my husband, for example, graduated 7 months ago, and has over XXXX applications submitted and no job offers. XXXX is falsely advertising what it can not sustain. They have been put in court before and I am extremely concerned to the point that it is affecting my daily life due to an increase in XXXX  and stress. They are showing no signs of wanting to help me.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered an unauthorized inquiry from a company I have never interacted with. I have not applied for any new credit or given consent for this inquiry, making this situation extremely concerning. As someone who takes financial privacy seriously, I find this unexpected activity alarming.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I have found some information on my credit that is not accurate. I have been looking for a new job yet when my credit report is ran it seems like someone else information is coming up on my credit report. My name XXXX XXXX XXXX I work for XXXX XXXX XXXX. 
My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX.The following address are not mine please delete/remove them : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2007 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX I would like to request a security BLOCK on my credit file in your office asap. I would like a full report as well.
Product: Payday loan, title loan, personal loan, or advance loan

Continuous multiple calls a day to references and now calling people not on the reference list. Filing bankruptcy, XXXX  XXXX. Would like for them to stop calling non references and references alike. They are getting harassing.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year> and followed up on XX/XX/year>. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 

XXXX  - XX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. Immediate Action Required I demand
immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiry. 2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without de
lay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. 



*You can also Dispute old names, remove your middle name, old address and remove your phone number completely. Ask for the dispute department Call all 3 bureaus
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX E-mail : XXXX RE : XXXX XXXX In reference to the above reference and in reply to your noticed received on XX/XX/2021 and to my telephone conversation with your office, this debt is fraud and does not belong to me, it was never opened by me, I've been a customer with XXXX for over XXXX years and my account is in good standing. I was a victim of credit fraud in the past since my car got stolen few years back and the thieves got access to my personal information from my car. 
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
Product: Credit card or prepaid card

Unable to activate the EIP stimulus visa debit card. The card is issued thru MONEY NETWORK CARDHOLDER SERVICES.