23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a debt collection company and I understand that I owe the debt but I refuse to be harassed and contacted everyday including Saturday 's and Sundays. I receive two to three calls a day from different phone numbers but from the same company, Portfolio Recovery. I'm receiving XXXX for XXXX and XXXX and this company have me in tears some days because I know it's them and I've even received calls before XXXX from local numbers pretending to be someone else. I have even read reviews from other consumers and they have all said the same thing, they are being harassed as well and they are a nuisance. Blocking them doesn't work because they just call from another number. Between the months of XX/XX/XXXX and XX/XX/XXXX Portfolio Recovery has called me from 10 different numbers ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX  ) XXXX, ( XXXX  ) XXXX, ( XXXX ) XXXX, ( XXXX  ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX  ) XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, Account number XXXX, XXXX XXXX XXXX Account number 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
Product: Checking or savings account

I had a Wells Fargo account, teller forced me into opening a savings account, saying it would close after 30 days if I didnt sign the papers. Several months later, I had overdraft fees since my check was deposited into my savings account- the account that should have been CLOSED! I bought in the papers that I never signed telling them how much money this cost me and how I was lied to. 

They did NOTHING and made me pay the overdraft fees since they werent budging even though they knew they had taken money from me in those overdraft charges. 

I want the money that they owe me and deceived me into opening an account without my consent.
Product: Consumer Loan

There are XXXX issues, I will describe them separatley. 
The XXXX issue, CarMax XXXX XXXX has called multiple times in the last year, they would leave a message and when I didnt return the call right away they wouild continue to call my cell phone multiple times in the same day. Perhaps they were using and auto dialer, I 'm not certain but in any case I think it 's illegal to leave a message and then call back the same day. 

The XXXX issue,, my account is past due I 'm aware of that. I spoke with CarMax XXXX XXXX XXXX times on XXXX, I explained my situation and scheduled a payment. At that time I was assured that if I paid a payment before the account went past 84 days they would work with me and not send the account for repo and be willing to work with me to bring the account up to date. 
I scheduled the payment with my debit card for XXXX, they assured me this was ok. The payment was deducted from my account on XXXX as promised. 
I received a letter from CarMax XXXX XXXX dated XXXX and delivered on XXXX that my account has been referred to the repo department.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2018 XXXX, Transunion, and XXXX RE :  Accounts # XXXX To Whom It May Concern : I am requesting that you investigate and immediately remove the negative account from XXXXXXXX XXXX XXXXXXXX, XXXX Account # XXXX be removed from my credit reports. This account is violating the FCRA section 609 by  reporting wrong or inaccurate information onto my credit reports
Product: Credit card

I didn't apply for the application and I received paperwork for more information to get a card and I didn't want it. The card was capital one I believe but now it affected my credit score and I didn't even want the card
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Unauthorized Inquiries To Whom It May Concern, I am writing to formally request the immediate removal of unauthorized inquiries from my credit report, as listed under my Equifax file. These inquiries are damaging my credit score and do not reflect my financial behavior. 

Upon reviewing my credit report, I found several inquiries that I did not authorize. These inquiries are inaccurate and should be removed promptly, as they are violating the Fair Credit Reporting Act 605b and 15 usc 1681. I expect your cooperation in rectifying this matter without delay. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please provide written confirmation that these inquiries have been removed from my credit file. I expect this to be resolved within the statutory timeframe. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I have provided substantial evidence supporting my dispute. I was denied 3 times. 
This does not make sense whatsoever. How can cashapp, XXXX, XXXX be aware that there is a scam center, under the identity of " XXXX XXXX XXXX linked to the seattle office if you a simple engine search. Meaning that if someone seeking legit customer service, looks up the XXXX office, they will be linked to a scam center. In what world does a bank deny a dispute, where the consumer has provided a plethora of evidence. I actually even asked to give more evidence to support my case, but cashapp would not allow me to send in that info. Refused to even look at it. They told me the dispute team would reach out to me if they needed any more info. I was not contacted at all by them, then my dispute again was denied with 2 days.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received an email from XXXX XXXX XXXX XXXX assignee XXXX XXXX. The email advised me to call or write them by XX/XX/year> to dispute all or part of the debt. I sent a validation letter through the mail on XX/XX/year>. On XX/XX/year> I received a notification from all three credit Bureaus that a collection account from XXXX XXXX XXXX XXXX was placed on my credit report. They have not replied with any correspondence and validation proving I owe this debt. 
This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of inaccurate/invalidated credit information. I've attached below a copy of the correspondence I sent to the collector.
Product: Debt collection

I am a victim of identity theft I notice a fraudulent account on my credit report in amount of {$110.00} I have filed a police report with the local sheriff office I will be seeking legal action to resolve this
Product: Debt collection

I have a phone number calling my employer falsing information about who they are, their names, and refuse to give any information. After researching the phone number I found out it is Lendmark Financial and they are calling more than 5 times a day on my cell phone, contacted my family, and my employer more than 5 times a day!!
Product: Credit reporting or other personal consumer reports

Open up a complaint against Experian they dropped my credit score XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is easier for Experian to label all my complaints as duplicate instead of accepting liability. I requested Experian send a VALID copy of a permissible permission that could be justified to access my credit report on XX/XX/2017 for XXXX XXXX XXXX XXXX ( XXXX  ). Experian dodges liability by refusing to send and labels complaints as duplicate. I feel like I am playing word games with XXXX  and have complained no less than 500 times. It is time for Experian to do business as the caretaker of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Be advised, this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such an investigation and reinvestigation has expired and shall not be extended by law. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  and Equifax have 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 an account without my written instructions. DELETE these Five ( 5 ) Hard Inquiries immediately. 

XXXX. XXXX XXXX XXXX XXXX ran a credit inquiry on me on XXXX. 
XXXX. XXXX XXXX XXXX ran a credit inquiry on me on XXXX and XXXX. 
XXXX. XXXX XXXX ran a credit inquiry on me on XXXX and XXXX. 

A review of my Equifax Investigation Report # XXXX that the revealed XXXX ( XXXX ) Hard Inquires were not DELETED from my consumer report. I did not give my written permission for anyone to access my consumer report. Pursuant to the FCRA, no one may access my credit report without my written permission for the purpose of extending credit. 

On XX/XX/2022, the CFPB issued an Advisory Opinion concerning permissible purpose required to use and share a consumers credit report.

The FCRA and the CFPB Advisory Opinion states that Equifax must use reasonable procedures to ensure maximum accuracy of permissible purpose. Equifax must furnish documentation of a credit application with proof of signature showing that I indeed applied for credit with this company. These unverified Hard Inquiries are in violation of the FCRA and the XXXX XX/XX/2022, Advisory Opinion concerning permissible purpose required to use and share a consumers credit report. Equifax must DELETE the alleged inquires immediately.
Product: Debt collection

Hello, On XX/XX/year> I wrote to IQ DATA asking for them to provide me with proof that this debt is in fact mine. I received no response. I was later notified on XX/XX/year> by my credit monitoring services that this company has added this collection to my report without providing me the debt validation information that I asked for. This is a violation of my rights and I would like for this account to be deleted/removed from my credit report.
Product: Credit card or prepaid card

I applied for an amex credit card at the beginning of 2022. The card opening bonus is XXXX rewarding points for meeting spending conditions within three months. My card was opened in early XXXX, but the courier company amex chose lost my card. So I contacted them to send the card again. didn't receive my card until the late XXXX. I contacted their customer service to ask for an extension on the time frame for completing the spending condition because I was already past that time frame when I received the card. But their customer service refused my request
Product: Credit card or prepaid card

I have the bank account with the XXXX XXXX bank. In 2017 I received the promotional offer for the XXXX XXXX American Express Credit Card, and I applied for it. On XX/XX/2017 my application was approved, and I got e-mail confirmation about this. 

When I got this card in the mail and activated it online, as a part of the activation process I got online the promotional offer for 10 % cash back for the payments for the service of the Internet providers. This promotion did not say clearly, if it is from American Express or from XXXX XXXX. I clicked " Yes '' button and agreed with this promotion. Unfortunately, my printer failed to print this promotion, so now I have no evidence of it. However, I immediately set up autopay for my XXXX Internet service to this credit card and since that time, significant total amount of the monthly service fee for the Internet was charged to this credit card. 
However, nobody ever gave me the promised cash back according to this promotion. When I contacted both American Express and XXXX XXXX, none of them was aware of such promotion and none of them was able to find anything about such promotion. Customer services of both banks bonce me between them and totally unqualified for their job customer relations representatives in both banks extremely plausibly pretended to be the total XXXX. I wasted many hours of my life, calling them and writing them messages regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is trying to collect a debt that i do not owe, and they are reporting this debt to the Consumer Reporting Agencies. XXXX XXXX XXXX has yet to provide proof that they are licensed to collect debt in the my state, Proof that they have legal right to collect this debt, meaning, they have the proper assignment of debt from the original creditor, a complete payment history, the requirement of which has been established by Spears vs Brennan, 745 N.E.2nd 862 ; 2001 Ind. App. Lexis 509, The agreement that bears the signature of the contract stating I'm the debtor agreeing to pay the creditor, Coppola vs Arrow Financial Services, 302cv577, 2002 WL 32173704 ( D. Conn., Oct 29 2002 ) - Information relating to the purchase of the debt, Provide me a breakdown of fees including how they calculated what they claim I owe. XXXX XXXX XXXX  has yet to send me any of the items mentioned. This debt is deficient of physical verifiable validation, plus this is a debt i do not owe. They are reporting this debt to all three credit bureaus which is hurting my reputation. If XXXX XXXX XXXX does not have this collection account removed from my all three of my credit reports i am prepared to go to court for violations of the Fair Debt Collection Practices Act, 15 U.S.C 1692 ( hereinafter " FDCPA '' ), which prohibits debt collectors from engaging in abusive, deceptive, and unfair practices., and file compliant with the Attorney General of my state, and file compliant with the XXXX.
Product: Debt collection

Got a call today saying they have not heard from me or my attorney? As if Ive told them I have an attorney? I havent not called them back regarding this matter as I have another complaint against this same company for calling family members. I feel the way they are contacting me and family at this point has become harassment.
Product: Credit reporting

I applied for a mortgage loan with XXXX and XXXX XXXX. I have been rejected by both companies because they state Equifax has a credit freeze in my credit report. I called Equifax to find out why just to be given the run around. I have faxed my Drivers License and Social Security card to them twice. The 2nd time, I was sure to get a confirmation so they could n't tell me again they did n't receive it but that is exactly what happened today. They are refusing to give me any information as to why they have a freeze on my account and upon me stating I never asked for this freeze, they still will not release it. I have offered to email my drivers license and social security card to them since they lose every fax I send them but they will not allow me to do this. Today I asked to speak to a supervisor but the girl I spoke to denied transferring me to a supervisor even after I held on the phone for XXXX minutes. She said her supervisor would n't allow it
Product: Debt collection

( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit card account opened at ABSOLUTE RESOLUTIONS on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US 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 or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : Summary of Accounts being Challenged in list form : XXXXXX/XX/XXXX - Account Number:XX/XX/XXXX - Account Number:XX/XX/XXXXXXXX - Account NumberXX/XX/XXXXXXXX XXXX XXXX XXXX - Account NumberXXXX XXXX XXXX - Account NumberXX/XX/XXXX XXXX Account NumberXXXX
Product: Credit reporting or other personal consumer reports

AS of XX/XX/XXXX I have reviewed my credit report and see that there are still fraudulent accounts reporting from EXPERIAN, XXXX, AND XXXX XXXX reports upon looking the accounts that I see are XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX FOR THE AMOUNT OF ( {$5500.00} ), XXXX XXXXXXXX ( XXXX ) XX/XX/XXXX FOR THE AMOUNT OF ( XXXX ), XXXX XXXX ( XXXX ) XX/XX/XXXX FOR THE AMOUNT OF ( {$500.00} ) These accounts are all fraudulent and I have provided the supporting documentation down below. According to the FCRA CODE SECTION 605B if an account is the result of fraud the data furnisher has 4 business days to remove the fraudulent accounts as long as supporting documentation is sent in.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past several months I have submitted requests via certified mail requesting proof of validation or removal of several accounts noted on my credit report. The responses I keep receiving are updated credit reports that simply state, Verified As Accurate, without proof of validation for the following accountsXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX and XXXX XXXX  # XXXX.
Product: Credit reporting or other personal consumer reports

I recently noticed XXXX XXXX on my credit report. I have NEVER obtained ANY CREDIT from this company. I have reached out to this company and requested documentation with my signed wet signature but they have failed to send proof. The reason they could not provide proof is because I have never had credit with the company, they have listed themselves for a collection company but again I have not contract or credit with this company. When asked for validation they sent me documents saying my personal information is correct. This documentation does not prove any monetary obligation to this company. As I further research I also notice this company is collecting on behalf of XXXXXXXX XXXX  This account also has not been verified as accurate but instead documentation was sent to me stating my personal information is correct. This is not how accounts are verified or validated. THIS IS A VIOLATION OF MY FCRA RIGHTS. These XXXX accounts are basically attempting to collect on the same unverified debt.
Product: Mortgage

Yes I received a pre approve loss mitigation application they Sai all I have to do was signed it and overnight it after reading over it carefully we discovered clause that was n't explain to us like lower your payment after 5 years your payment goes back up we are liking five years before our house is paid off and they are talking about another 30 years and at first they were asking for pay stubs and bank statements and my wife award letter so how can they do this without documents I am 3 months behind on my mortgage I told them I Will be making a payment and half by XX/XX/XXXX and on XX/XX/XXXX and I will not signed it please give some advice I never face anything like this my mortgage sold to another mortgage very unhappy.