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

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by GOVERNMENT EMPLOYEES XXXX XXXX Account XXXX without my authorization, or any permissible purpose as defined under the FCRA XXXX 
According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with GOVERNMENT EMPLOYEES XXXX XXXXXXXX Account XXXX, nor did I provide written consent for my credit report to be accessed.
Product: Student loan

A debt validation letter was sent to DEPT OF ED/ NAVIENT on XX/XX/2020 certified mail, because of upon investigation there were concerns of my student loan account being not valid, because of possible fraud and non full disclosure. So in the letter i requested debt validation in the form of 1. validation of debt- this is actual accounting 2, verification of there claims against me ; that is a signed invoice, 3, copy of the contract signed binding both parties ( XXXX XXXX XXXX XXXX and DEPT OF ED/ NAVIENT ), in a letter by ' certified mail so that there is an independent " witness to have it delivered. '' I have yet to receive a response from them in the reasonable amount of time that was given to them of 14 days.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

1. I requested a debt validation from this company and have never received documents confirming : A.Ownership of the debt B.Rights to collect C.Rights to sue to collect D.Proper Calculation of outstanding Debt 2. Also : A.Company continues to report unvalidated debt B. Outstanding balance is not correct C. Contract between the original furnisher and me was not provided.

After I did not receive any validation, I filed an AAA ( alternative dispute resolution ) demand to arbitrate. According to the Citi Bank Credit Card Agreement ( posted on the CFPB website ), XXXX  is bound by the Private Arbitration if XXXX claims the debt and refers to itself as the owner of the debt. 
I served both the original furnishing and the XXXX  ( through XXXX XXXX ) with arbitration demand. 
XXXX ignored this demand and committed fraud by filing a small court claim, while having an open AAA arbitration case. 
This is not only a violation of FCRA and FDCPA, but also a court fraud. 
In addition, I was never properly served, which is just a worse picture of predatory tactics as " parking the debt, '' which was not at the same time proven to be owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiry done by Credit Tech on XX/XX/21.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting wrong type of BK # XXXX on my credit report ... Back in 2009 I did file for chapter XXXX which was discharged and statute of limitations for this type of BK is 7 years.This BK aka public  record should not be on my credit report because 1 ) it is a chapter XXXX not a XXXX 2 ) it has been 10 years since filing date, both Experian and XXXX have different dates both of which are incorrect. 

3 ) I attempted to dispute this with Experian over the phone - agent was very rude and refused to take my information keep directing me to their website which would not let me access my own report. When asked for supervisor I was put on hold for 28 minutes after which my call got disconnected on purpose. I then wrote two letters with no response from Experian .... I called today they claim not to have any record of me sending the dispute but I do have a copy of the certified mail sent to them on XX/XX/XXXX and XX/XX/XXXX. 

XXXX  website is non responsive and does not allow for disputes to be filed, I disputed over the phone mailed and faxed in supporting documentation with them returning saying that creditor - the court has verified the accuracy. I contacted the court who stated they do NOT report or verify with bureaus. 
I contacted XXXX XXXX now, who stated they do NOT have public record reported on my credit file to any of the bureaus at all.. then who are they verifying this info with then.. this is a lie after lie and a violation of F.C.R.A I prepared my complaint to FTC as well as Attorney Generals office if this BK is not removed from my credit report immediately and accordingly
Product: Debt collection

Torres Credit Services has continued to collect on an {$85.00} utility bill that was discharged in bankruptcy. As a result the collection item has been placed on my credit for ALL three major credit bureaus ( XXXX ). 

Torres Credit Services has refused to remove this item from my credit thus negativaly impacting my credit. They have violated the FCRA/FDCA by reporting on this debt as valid since it was discharged in bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report from all three bureaus on XX/XX/2022. I noticed a new collection report from Central Portfolio ControXXXX in the amount of {$250.00} on my credit file. I am unaware that there is a debt from XXXX XXXX XXXX XXXX, as my insurance covers the costs of all medical treatment. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to Central Portfolio Control. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
Product: Vehicle loan or lease

Hyundai Finance received my request for a title transfer on my leased car on XXXX. I moved from XXXX to XXXX  and need to register my car in the new state. It is now XXXX and after speaking with an additional two representatives from Hyundai today, there is nothing they can do and I need to keep waiting. I'm on my second temporary registration in XXXX  and will be unable to drive the car I'm paying for when that registration expires next week. It is unacceptable that there is still no update on the status of this issue. They also have the incorrect address for my DMV and refuse to update it, so I'm doubtful that it'll ever be sent to my dmv.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I used the Venmo App to send money to my family in XXXX XXXX to help them during COVID. I sent {$100.00} and it was debited from my bank account but it was never deposited into my family 's debit checking account. Venmo claims that it was sent to an active Venmo account, but my family did not receive the funds to their checking account. Their checking account was verified by depositing XXXX and XXXX into their checking then it was withdrawn but the {$100.00} was never deposited. Both of us contacted Venmo and our banks and no one has resolved the issue. It has been about a month. How do I as the sender get my money back OR make sure that the recipient receives the {$100.00}. I have contacted lawyers and Senator. I was led to also reach out to you. 

I appreciate your time in looking into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX does payday and installment loans under " XXXX XXXX XXXX ''. Every time you borrow money from them they go into your credit report even if you pay on time or have never had any problems with them they will put a new inquiry on your credit report. For example I just recently borrowed money from them and my loan will become due in three weeks they put an inquiry on my credit report the same day. In fact they will not let you get a loan or refinance a small loan without going into your credit report. They do it every single time you get any money with them big or small. 

They are unethical and ruthless with their practices. Do not use they 're services you will regret it when you see how many times they will put an inquiry on your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$8800.00}, {$8800.00}, {$1400.00}, {$420.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX CO with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account.
Product: Vehicle loan or lease

I spoke with Lexus financial regarding my car payment which is XXXX I told the rep after being in the hospital I only have XXXX to pay would that be ok as I was XXXX short she said thats fine I asked her would it still be considered a late payment she said no just get the XXXX in as soon as you can this was on a XX/XX/2023 I called back Monday XXXX  and the account rep told me the account is reported 30 days late on my credit because of the XXXX thats was delinquent but in speaking with the representative they offered me a deferment on the account and said I should have been offered one previously and they proceeded to tell me it would be XXXX to process it which does not go to the payment its just a fee for processing the deferment however the phone hung up in the process of making the payment I called back to see if it was processed or needed to be done again I went through 2 more representatives which one of them put me on hold and hung up I spoke with one lady saying it would be {$170.00} and not XXXX I was really confused because I already got a confirmation of a payment via email for the {$200.00} I told her that then she proceeds to say your in the wrong department I really dont know let me transfer you? Which was really confusing she also told me I could get a deferment again However my complaint is had I known I could get another deferment I would have used the XXXX and some change on that not pay Half the car note and still get a 30 day late and still pay XXXX for a deferment which could have eventually just went towards the lease payment due to me being on medical leave my checks just came in late was I being ripped off I feel as if Lexus financial kind of scammed me with this one And the representative told me it wasnt going to be late credit reporting because I paid more than half on it and was just due for XXXX which when I called back that was untrue and the last lady I spoke with was very rude and she didnt even want to explain things clearly without breathing hard and being rude I spoke with Lexus financial for 3 hours on Monday with everyone giving me a different story how is this possible
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove THIS ITEMS that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any ITEMS or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SC XXXX XXXX XXXX XXXX XXXX , SC XXXX XXXX XXXX  XXXX XXXX XXXX , SC XXXX XXXX  XXXX XXXX Balannce : {$410.00} XXXX  XXXX Balance {$230.00} XXXX  XXXX Balance {$580.00} XXXX XXXX Balannce {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

More than one issue. The information on my credit was merged with someone elses because our social security numbers differ by XXXX digit. I got his bad credit on my credit and it affected myself and family greatly. Had to call and report items for over a year and it was finally removed all of the items but my credit is bad still due to this even after a year or XXXX. 

The other issue is I have disputed a lot of other items on my credit as well and they are not removed. Along with negative items that were not removed and stayed on for longer than allowed. Which affected me in getting another vehicle.
Product: Credit reporting or other personal consumer reports

Equifax refuses my right to free and fair consumer report. Equifax refuses to remove inaccurate addresses which is a violation of 15 USC 1681 despite being sent proof of the correct information along with proof. On XX/XX/year> an address attached to an inaccurate account ( Denefits ) was not reporting but on XX/XX/year> it is all of a sudden appearing on my report without my authorization or any validation from me. The address attached to that inaccurate report from XXXX is not a residential address. I have NEVER lived there and that address is not mine ( please see attached ). This is a violation of FCRA 15 USC 1681. Equifax also has a third party collections account that does not belong to me from XXXX XXXX XXXX. Third party collections violate the following : FCRA 611 ( 15 U.S.C. 1681i ). This section of the FCRA requires that credit bureaus conduct a reasonable investigation into disputed information. As the collection account is inaccurate and unverifiable, I request that it be removed from my credit report immediately. If the furnisher can not provide verification within 30 days, it must be deleted FCRA 605 ( 15 U.S.C. 1681c ) ** : According to this section, negative information such as collection accounts must be removed from a credit report. If this collection account is older than the allowed reporting time frame, it should be removed. FDCPA 807 ( 15 U.S.C. 1692e ) ** : The **Fair Debt Collection Practices Act** prohibits the reporting of false or misleading information by debt collectors. If the account is not verified by the original creditor or if there are inaccuracies, I demand its immediate deletion under this provision. Unverifiable Debt : If the credit reporting agency and the collection agency can not provide valid documentation and proof of this debt as required by **FCRA 623 ( 15 U.S.C. 1681s-2 ) **, it must be removed from my credit report. Creditors and collectors are legally obligated to report accurate information, and failure to verify the account should result in its deletion.
Product: Debt collection

On XX/XX/XXXX I pulled my credit report to go over it and I saw a Collection entry on my report from Debt Recovery Solutions. The funny thing i that they are collecting for XXXX 's which was included on my Chapter XXXX Bankruptcy in XX/XX/XXXX. The bankruptcy was discharged on XX/XX/XXXX. This collection item was opened on XX/XX/XXXX this should have never been opened and they should have never reported this collection account at all. This item needs to be removed now. I have disputed this item with all XXXX credit bureaus and I even tried to get through to them but I was told that I would have to pay the money or face a judgement or they would garnish my money. Ridiculous this is. This goes against my rights under the Fair Credit Act. You can not do this you can not just go and illegally insert fraudulent accounts on my credit report. This is a crime this is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I am having issues with inaccurate addresses on my credit file. 
Under the Fair Report Credit Act, you are required to comply. My Employer is XXXX XXXX. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2001 XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX These numbers are not mine please delete. 
Telephone Numbers Reported : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX  ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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: Money transfer, virtual currency, or money service

On XX/XX/2019 o sent my sister XXXX XXXX {$120.00} through The app Zelle, which I have sent money to and from multiple times. I have been getting misleading information about where the money is since my sister still hasnt revived the money and I still have yet to have the money back on my account. My bank XXXX assured me the payment went through which I could see on my statements and money was deducted. Zelle has been giving me different answers since the first call I made to them. They are telling me my payment failed when I could see that it clearly went through. They are not helping me, I keep having to speak with different people to get my own money back. My bank XXXX told me I couldnt dispute since it was a Zelle transaction but I disputed it anyway to see if they would just pull my money back anyways.
Product: Debt collection

Between XX/XX/2022 and XX/XX/2022, a new account in collections was added to my credit report. The collection agency is CREDIT MANAGEMENT LP and the original creditor was XXXX XXXX XXXX. The open account has a balance of {$240.00} and was opened on XXXX. I do not live where XXXX XXXX  is available and the account was opened fraudulently through identity theft. I've tried to contact XXXX XXXX  without success and will be reaching out to CREDIT MANAGEMENT LP during business hours.
Product: Credit card

fraud on my card, capital one refused to explain how I was complicit in crime, debited my account. I received several contradictory responses from capital one. I sent a certified letter to XXXX XXXX XXXX he or his staff did not have the professional decency to respond. However, they subsquently credited my account but did not reimburse me FOR MY TIME, PAIN AND SUFFERING, WHICH INCLUDED AN ARGUMENT WITH MY WIFE, WHO HAS XXXX SCORE OF XXXX, AND CARD IS IN HER NAME, AND XXXX ADVISED HER, HTAT I WOULD NO PAY THE BALANCE TO CAPITAL ONE, IN VIEW OF THE XXXX XXXX XXXX OF TIME ON THIS, INCLUDING XXXX XXXX POSTAGE, AND PRINTING, TRIPS TO XXXX. MINOR IN VIEW OF PAIN AND SUFFERING, CAPITAL ONE HAS AUDACITY TO STONEWAL,, AND NOT REPLY NOR INVESTIGATE WHILE FRUDSTER IS USING MY CAP ONE INFORMATION TO CONTINUE HIS TRADE. 

I INFORMED CAPITAL ONE THAT I WOULD SEE LEGAL AVENUES TO BE MADE WHOLE. THEY MAY THINK THAT THEIR POWER WILL OVERCOME THE LEGAL CASE AGAINST THEM. I LITIGATED ISSUE WITH CAPITAL ONE XXXX YRS AGO. THEY BLACKLISTED ME, GOT CARD IN WIFES NAME. 
NOW, THEY WILL ATTEMPT TO DAMAGE MY WIFE ; XXXX XXXX XXXX, OF XXXX. FOR THAT, THEY WILL BE HELD ACCOUNTABLE. 
I WAS NOT GOING TO PAY THE FRAUD CHARGE ON MY CARD. IF PAID, REMAINING BALANCE, XXXX  CAPITOAL ONE WOULD SITLL CHARGE ME FEE AND INTEREST. AS SUCH, BEST TO SETTLE MATTER BEFORE A THIRD PARTY.
Product: Mortgage

We had our mortgage bought by Mr Cooper Mortgage. A few months later they informed us of an almost {$700.00} a month increase in the payments. I tried several times to contact them and have been unsuccessful in finding out why the huge increase. No explanation, unable to get an answer. Very difficult to deal with.