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

I have NOT been in contact with this company except to file a complaint via CFPB. I asked the company to provide a ( Debt Validation Letter ) signed contract by me proving that they have a legal right to collect on this debt. More importantly to provide the original contract signed by me, authorizing the original company to sell the debt to a third-party collection company. My legal rights are being violated by this Collection Agency because there is no contract signed by me proving a business agreement and they have not provided me with the Original signed contract with my authorization. Reporting a debt without a legal agreement is in direct violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX has violated my rights. 

XXXX5 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: Debt collection

My employer is with holding wages from from my pay for XXXX and XXXX XXXX. I was not properly notified XXXX, the state where I work and live. The alleged judgement was filed in XXXX and not XXXX where I work and live. Also, the alledged debt from the year 2000 would be time barred, past the statue of limitations for XXXX anyway, and not enforceable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit today and saw someone tried to use my personal information to obtain fraudulent credit. There are 4 fraudulent inquires with XXXX ON XX/XX/XXXX, XXXX XXXX XXXX ON XX/XX/XXXX, XXXX XXXX ON XX/XX/XXXX, XXXX ON XX/XX/XXXX.
Product: Debt collection

Hello. I currently have a collections debt showing up on my credit report from Ideal Collection Service for the amount of {$2800.00}. From my knowledge this was a lease break fee from when I lived with my ex fiance in XX/XX/XXXX XXXX XXXX in XXXX XXXX XXXX XXXX FL. OnXX/XX/XXXXthis collections amount was made. I never received any notification that anything was owed or I was in any type of wrong. I feel as if I should be given some sort of hardship break. As I try to make sense of my collection amount I wanted to see out of good faith if you were able to remove this off of my credit report. At the time I was going through a very hard break up with my ex wife and was forced to move as I could not afford the rent. I am currently getting back on my feet and plan to catch up with everything. 

Thank you for your time
Product: Mortgage

Trouble communicating with Compulink/HUD. We have submitted all documents a year ago and just waiting for their short sale approval so we can sell the property, but we haven't received any good assistance from them. We even was passed on from one agent to another, just recently our new agent was transferred again, so we're back to square one. They are not answering calls, even though we have their extension numbers, no email replies, etc.
Product: Credit reporting or other personal consumer reports

Why am I still getting emails from the bureaus saying Im helping credit repair companies? This is wrongI send out the letters. Act now or I will sue. Heres the list of negative accounts and inquiries I wantto remove. 

XXXX : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX TransUnion : XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I noticed there is a Bankruptcy Dismissed on my Equifax credit report. On XX/XX/18, I sent Equifax a certified letter which was received by Eqifax and signed for on XX/XX/18, asking Equifax to validate this reporting. On XX/XX/2018, Equifax replied that this reporting Bankruptcy was " obtained from local, state and federal courts though a third party vendor XXXX ''. I have a copy of my XXXX report being frozen, and also a letter from the United States Bankruptcy Court stating that the United States Bankruptcy Court does not transmit or initiate conveyance of data to the credit reporting agencies. This letter further states, " The Court does not report bankruptcies to the credit bureaus and does not get involved in disputes regarding credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not validate the information with the Original Creditor, they must remove said information from the consumers credit file. By stating Equifax verified this information with a third party vendor is a direct violation of FCRA 623 ( a ) ( 5 ) and/or FCRA 609 ( a ) ( 1 ) ( a ).
Product: Credit card or prepaid card

On XX/XX/XXXX I was hospitalized with XXXX  and I had my last payment of an XXXX month no interest promo on XX/XX/XXXX to community bank. I missed that payment cause I was in the hospital and unable to get on to pay my bill. Now Ive called and tried to pay my final bill which should be around XXXX $ and they are trying to charge me around XXXX $ for deferred interest Ive never missed a payment or had any late payments and theyre unwilling to help me
Product: Credit card or prepaid card

Received text message regarding suspicious online activity ( 2 charges ) in the amount of {$350.00} on XX/XX/22 on my Oportun Visa credit card ( card ending in XXXX ). 

Reported charges to fraud dept twice ( on XX/XX/22 & XX/XX/22 ). Was told that card would immediately be canceled, issued a new card, and fraudulent charges would be removed from my account by the time the new card arrived within 7-10 business days. The new card was received on XX/XX/22 ( new card ending in XXXX ). 

I was also told that if new card arrived and fraudulent charges were not removed yet, to call customer service back. 

On XX/XX/22 called customer service numerous times and was put through an endless loop of foreign speaking representatives all claiming that they were incapable of resolving my issue and they needed to transfer me to another dept.and so forth and so on. This occurred for a total of 56 minutes of being told the same scripted dialogue over and over again without resolution. 

Mind you, I had a XXXX {$0.00} balance prior to this fraudulent activity on XX/XX/22. 
The last time I personally used the card was on XX/XX/22 in which I charged {$190.00} AND paid the balance off IN FULL on XX/XX/22.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple unauthorized inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete.

I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX : {$1800.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX XXXX XXXX : {$2800.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX : {$1000.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

CCI XXXX XXXX XXXX : {$160.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or 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 & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I was in-forced to leave my house with five days notice on a paid month the end of the year of XX/XX/XXXX XXXX The reason was told because I had too many complains on " why they do not have a Camera system to monitor the parking space at the complex. '' I have two police report incident and insurance reports of my employment van " hit and run '' and another report of breaking my van windows. The office manager was not helpful to the police either me when I reported the claim incident. Perhaps, She made my situation worse by kicking me out with 5 days notice, I have paid XXXX and all my rents on time, plus I gave them the key and left the place within the five days. Then I asked for my deposit they said to call them back within two weeks, called few times for almost four months intel i give up on my deposit, they toke it. The manager toke advantage my XXXX is not good back then and i dont know my rights as a rental, especially during COVID. Now, I found on my credit report they billed me for a lot money. I believe its a false debit collection they need to remove because they terminate my lease for unfair reason. I left the place with paid month, clean place, and gave the keys. Please dispute and remove.
Product: Credit card or prepaid card

Hello my name is XXXX XXXX on XX/XX/XXXX I made a transation with a seller whos my friend for XXXX dollar payment and XXXX dollar payment on XX/XX/XXXX for a commission through XXXX which is directly connected to XXXX, when I received the product I was not satisfied so I asked for a refund from the seller and got it back the same day, unfortunately my account was also limited the same day on XXXX because I got too much back at once but this does not affect the refund policy from XXXX, I paid directly from my debit card the refund said it would return to the inital form of payment which was though my debit card from my card company. It had said it would take 5 business days to come back and on XX/XX/XXXX it said it arrived at XXXX and XXXX respectively for both but never appeared in my account, each of the payments say they got refunded and even today XXXX called me personally to tell me it was been refunded and they are investigating it even further and have been very helpful and understanding with all the relative information because it just has not shown up in my account and they are very considerate about this situation when I filed my complaint to them and called, I was not worried at first because it said it can take up to 30 days for the card company to put it in which would have been on XX/XX/XXXX, XXXX at first told me that quote when viewing the case initially After reviewing your account, we found that transaction amount {$1000.00} USD is an authorization and not a refund to your credit card. An authorization is a temporary hold of money and not a completed charge. Please contact your credit card issuer to request they release authorization XXXX as we can not complete it which I understood so I Called my card company the money network which is headed by XXXX bank and asked on multiple occasions if they are holding that money from a authorization and if they can release it, but they have told me no we can not do much for you since the transaction details for certain XXXX transactions do not show up the the companys app they can not release it, both payments made are not showing up on my cards transaction app so they are not looking into it further and not helping me with that huge amount stuck in limbo because they cant authorize the refund I was already given by XXXX probably 3 plus weeks ago at this point. Or its something else that isnt allowing them to send the XXXX back but it very much seems that my card company money network and XXXX bank are to blame in not returning my funds as of this moment
Product: Credit reporting, credit repair services, or other personal consumer reports

On Tuesday, XX/XX/2022, XXXX XXXX, ran my credit without permission. When I spoke with XXXX XXXX XXXX, I only authorized my credit to be ran through XXXX XXXX. I had already been pre-approved with XXXX XXXX XXXX XXXX for XXXX at 3.79 % APR. XXXX XXXX suggested inside financing due to high demand, low supply. I denied the request on Monday, XX/XX/2022. XXXX XXXX called me on Tuesday, XX/XX/2022 at XXXX, asking me again. XXXX XXXX took it upon himself to run my credit through multiple creditors without my permission. I had already been pre-approved for a loan with an excellent interest rate. I will not pay a higher interest rate when I have been approved for a lower one. There was no incentive involved with him running my credit through multiple creditors. The only thing XXXX did is lowered my credit score. As a sales XXXX, XXXX should know the importance of fraudulently pulling my credit without my permission. I feel disrespected, dishonored and belittled. 

I emailed XXXX XXXX on Tuesday, XX/XX/2022 at XXXX asking him to fix this error. It has yet to be fixed. No one from upper management at XXXX XXXX has contacted me to correct the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested my free Annual Credit report from Equifax via the Phone at XXXX where my request was accepted, specifying that the request would be processed to be received within 3 to 4 weeks. I submitted that request using my Home Phone Number from my Home both of which have been the same for the last 15 years. As of XX/XX/XXXX, I have received no response from Equifax. 

Once again, Equifax has not provided the Free Annual Credit Report which they are required to provide by law. This is a repeat of the same problem I encountered XX/XX/XXXX, ( Case Number XXXX-XXXX ) as well as the year before in XX/XX/XXXX, ( Case Number XXXX-XXXX ). For some reason, Equifax seems to be denying my access to my Free Annual Credit Report. 

I need that Credit Report so that I can review it for any potential problems. Please advise. 

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

In 2017, I was a victim of the XXXX data breach and my personal information was stolen. The thieves used my information to open credit cards, checking accounts, auto loans, personal loans, even get a job with my information which left me completely distraught and my credit score in complete disrepair. I contacted Experian several times to remove these fraudulent accounts that were reported on my credit bureau file and they neglected me to no avail. Experian stated in their last response to me, contact the creditor 's directly, which I had already did prior to reaching out the Experian and was awaiting a response from the creditor. This specific complaint is about a XXXX credit card account that shows a charged-off status with a recent {$1300.00} written-off balance that was fraudulently opened. Please see the attached letter from XXXX where they confirm that the account was opened fraudulently, I highlighted the most important sections for easier understanding.
Product: Bank account or service

Our couple has had a checking account with JP Morgan Chase and several credit cards for over 40 years. Our home address was a XXXX XXXX ( JP M Chase has held the mortgage for the last twelve years of its 30 year life ). We were ask for a physical address which we did not have until recently. Being abroad very, very often we called the branch to give the address early XXXX. The account manager being busy we gave it to another person. A few weeks later we got the same request. We called again and this time asked for an email address of the bank officer. We got it and had an exchange of email where we sent the physical address. We received another letter in XXXX which got to us in XXXX as we were abroad and called the call center again to give the address for the fourth tim. 
In XXXX the bank closed our account alleging that we had not sent the address. Which we did and can prove with the copy of the email. The said officer has supposedly left the bank ... 
Our XXXX accounts were closed ( savings and checking ). checks were sent. But all history has been eliminated from our internet connection to the bank. payments made through the accounts before we knew of its closure were rejected creating poor credit and expenses ( bounced payments and late payments ). We were in XXXX at the time and it took many hours of work to be able to get back to a situation where we could honour our due payments. ALL THIS BECAUSE THE BANK FAILED TO DO ITS JOB
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX.have all violated my 609 rights by reporting incorrect information to XXXX  regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 


My personal information on my credit report is inaccurate as well. I have requested to have my addresses, telephone number, and names corrected on my report this is a violation on my consumer protection rights.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX Account name : XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 bring to your attention inaccuracies on my credit report. There are multiple addresses listed that I have never lived at, and my current address, where I have resided for the past four years, is not included. This incorrect reporting is impacting my credit profile.

Additionally, there are too many variations of my name listed, with only one being spelled correctly. I previously attempted to file a dispute regarding this personal information, but my request was denied.

I would appreciate your assistance in resolving these issues, as they are affecting my credit standing.

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX XXXX XXXX XXXX I am writing to formally request the blocking and deletion of accounts that were fraudulently opened in my name as a result of a data breach. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ), which provides protection for victims of identity theft. 


The following accounts, appearing on my credit report, have been identified as unauthorized and fraudulent : XXXX. XXXX XXXX XXXX XXXXXXXX - Account ending in XXXX XXXXXXXX XXXX XXXX XXXX  - Account ending in XXXX XXXX. XXXX - Account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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> These accounts were not authorized by me and are a result of the data breach that compromised my personal information. I have attached the necessary supporting documentation, including a copy of my identity theft report and any relevant information related to the breach. 


Please process this request and confirm in writing once these accounts have been blocked and deleted from my credit report. 


Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX XXXX