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

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. The items are listed below : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX. 
XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX Balance : {$0.00}. 
XXXX XXXX XXXX : {$0.00}. 
XXXX XXXX XXXX XXXX : {$580.00}. 
XXXX XXXX XXXX : {$34000.00}. 
XXXX XXXX XXXX : {$1400.00}. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXX  XXXX Balance : {$2900.00}. 
( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00}. 
XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO 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 XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX 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 XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries on my report that needs to be removed. In accordance with the Fair Credit Reporting Act these unverified and unauthorized inquiries must be removed ; XXXX XXXX, XXXX XXXX XXXX and XXXX  were not authorized at all by myself being the consumer.
Product: Debt collection

My son is XXXX, in the XXXX. I still receive mail addressed to him once in awhile and have his permission to open mail and deal with any issue that might arise. I received a letter from a collection agency requesting a balance owed for automobile insurance. They also sent another clients debt and personal information in the same mailing. I tried to negotiate a settlement with them and they refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX  XXXXBalance : {$3700.00} XXXX  XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX  XXXX Balance : XXXX  XXXX XXXX XXXX Balance : {$520.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance {$20000.00} XXXX XXXX XXXXXXXX Balance {$16000.00} XXXX XXXX XXXX XXXX  Balance {$14000.00} XXXX XXXX Balance {$1700.00}
Product: Debt collection

My identity have been used for unemployment benefits I see also an credit card was been used that I had no knowledge of this its with XXXX  XXXX I saw it on my Credit report I would like to dispute this immediately thank you
Product: Debt collection

Going through my credit report I noticed a collection for the amount of {$490.00}. I attempted to look into my files, being that this collection is displaying as a charge for a checking account. Evidently, I did not have any information or records tying me to this account or any relationship with XXXX XXXX, the original creditor. I reached out to Amsher Collection Services on XX/XX/2023 by postal mail requesting the debt to be validated. Upon validation, if even possible, my next step was to consult with the agency to see what resolution we can come to and if there is an option for pay to delete. It is now XX/XX/XXXX and I still have no response from the collection agency, and the collection has still been reported on my credit as of XX/XX/2023. Being that I still have no response, I feel that my consumer rights have been violated. Attached is the letter that was sent to the collection agency requesting validation.
Product: Checking or savings account

I called and went to bank with information that in had on account and told them on phone and to the us bank in this.location XXXX XXXX XXXX. That I want all my money back which was approved, they snatched my affadvid and never sent cashier check for all money that was on account and that was all unauthorized transactions on debit cards and bad bank tellers they where employees of bank that tried to fraud me for it. They was suppose to send cashier check for all money back that was deposited.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX Bankruptcy XXXX XXXX : {$0.00} XXXX XXXX  Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit card

Credit line availability increase request - On XXXX/XXXX/XXXX, I requested Bank of America evaluate my current credit availability on my credit card for a potential increase in limit. I submitted a simple form online which asked for basic info like annual income. During the process, I was not asked for Bank of America 's authorization to make a hard inquiry on my credit. However, the credit line increase request resulted in a hard inquiry which had a negative impact on my credit score. 
- On XXXX/XXXX/XXXX, I called Bank of America to request that they provide me with the documentation which supported my authorization of them to pull my credit report. The representative told me that they didnt need my authorization to make a hard inquiry on my credit report.
Product: Checking or savings account

I live in XXXX XXXX. On XX/XX/XXXX. I had about {$5300.00} in my The Bank of the West checking account. But I found {$2900.00} missing from my account on XX/XX/XXXX. So I went to my bank ask them, they said there was a check being cash. And they print that copy of the check for me, I recognize it was an old check for my XXXX XXXX 8 months ago, and he cashed it in XX/XX/XXXX already. Now he changed the date and amount of my check and cashed it again with his phone app. And surprisingly, my bank cashed it second time to him. I lost {$2900.00} due to fraud. I had contacted my bank immediately, they filed a fraud report, and they told me I should report it to police, which I did. ( Police report numberXXXX. ) Now I need my money back .The bank said it will take a long time. Please help.
Product: Debt collection

A XXXX XXXX debt has been placed on my credit report that is not mine. XXXX XXXX has verbally confirmed it is not mine, but refuses to provide me with a letter stating so. The account was sold to CBE Goup XXXX. XXXX XXXX XXXX, IA XXXX, when asked to confirm ownership of account with XXXX the refuse to do so. XXXX is also refusing to contact CBE Group. XXXX states that a SSN was not provided to CBE, therefore I do n't understand why it was posted to my bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I graduated from XXXX Arizona University in XX/XX/XXXX. In XXXX of XXXX I experienced a death in the family and went back to XXXX XXXX in XX/XX/XXXX to support the family. For the year of XXXX I lived in XXXX and did not have a cell phone or access to the internet, due to my remote location. Apparently, my student loans had a grace period of 180 days. The 180 days should have been up in XX/XX/XXXX. XXXX, my student loan servicer, never got in contact with me directly to state I had a grace period or that it was up in XX/XX/XXXX. However, they placed derogatory remarks on my credit report without ever notifying me to let me know it was time to begin paying back my student loans or that the loans were moving to past due. Although, when I reentered the United States I began paying back my student loans in XXXX. I have contacted nelnet about this issue and they refuse to take the derogatory remarks off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the inquiries that I do not recognize, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

TRANSUNION HAS VIOLATED MY CONSUMER RIGHTS BY NOT HONORING THE FCRA THIS ( FOR PROFIT COMPANY ) HAS REMOVED AN ACCOUNT AND MADE THAT SAME ACCOUNT MAGICALLY REAPPEAR AGAINST THE FAIR CREDIT REPORTING ACT. I ALSO SPOKE WITH TWO SUPERVISORS IN THE SPECIALIZED FRAUD TEAM WHO WERE NOT EXCITED TO DO THEIR JOB IN XXXX, PA XXXX, AND ALSO XXXX XXXX. THEY BOTH SAID THAT THEY WERE SORRY WHICH THEY COULD CARELESS! AND KEPT INFORMING ME THAT THE CREDITOR IS THE REASON! IF YOU KNOW LIKE I KNOW THEN YOU WOULD KNOW THAT THE CREDIT BUREAUS HAVE TO SHOW 100 % VERIFIABLE PROOF ANYTIME THEY VERIFY AND SAY THAT A FRAUDULENT ACCOUNT IS YOURS. IF THEY DON'T PROVIDE IT THEY HAVE TO REMOVE IT! SO PLEASE XXXX XXXX EXECUTIVE VP FOR XXXX ALONG WITH XXXX XXXX PRESIDENT OF US INFO AT TRANSUNION.PLEASE GET BACK TO ME AND TELL ME WHY YOU ALL ARE VIOLATING MY RIGHTS AS WELL AS OTHER CONSUMER RIGHTS!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying for the XXXX company but in the XXXX I get that I had a car accident which is not easy is a fine for walking without the physical license and I also pay it I have a copy of the receipt that they pay it I can provide them but I get as an accident not as a fine and that's why I am not approved in XXXX
Product: Debt collection

I keep receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of garnishment of wages, job loss, being sent to jail and prison, threats of violence and death from Total Card, Inc. Debt Collection Representatives for a debt and fraudulent XXXX XXXX XXXX credit card account I never applied for and thats not my account. I never applied for or received a XXXX XXXX XXXX credit card. The account is fraudulent and not my account. Its extremely disturbing, disgusting and frightening to be receiving telephone calls of profane language, threats of violence and death from Total Card, Inc. Debt Collection Representatives. I am in total fear of my life. Total Card , Inc., is in major and serious violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State laws.
Product: Debt collection

Credit Collection Services has a collection reported on my credit reports for the amount of { {$760.00} }. I never did any business with XXXX. I don't know who this company is. I've never signed a contract with this company for anything. Ive never given permission verbally or in writing to anyone to pass my information to this 3rd party that Ive never heard of. 
Credit Collection Services never contacted me prior to placing negative information on my credit report which is a violation of federal law. When I called them to dispute they acted in an unprofessional manner and told me to dispute with credit agencies. I asked for written proof that this debt belongs to me and instead hung on me. Attempting to illegally collect a debt that is not owed specifically is illegal. My evidence clearly shows they are violating the law and never gave me the right to dispute nor did they have any accurate proof of their claim. This is a violation of FDCPA as well as a violation of FACTACT. l placed a dispute and it was denied. Please review this information. This has dramatically affected my credit. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service
Product: Mortgage

I have been requesting Platinum Home Mortgage remove the PMI from my account since XX/XX/XXXX and I am always sent to a loan person to refi. According to everything I have read the PMI is only required to the loan to value has met XXXX %. I have been under that threshold since XX/XX/XXXX. However Platinum Home Mortgage continues to charge me PMI and when I request it be removed they claim I have not met the requirements. The facts are I purchased the home in XX/XX/XXXX at a value of XXXX ( loan amount of XXXX ) making the XXXX % value XXXX ( or XXXX if based off the loan ). I have been well under that mark since XX/XX/XXXX however the Platinum Home Mortgage continues to charge PMI even after I request it be removed. The appraised value is currently over XXXX and has been over XXXX since XX/XX/XXXX when I have began requesting the removal of the PMI. Please help me in having this corrected.
Product: Student loan

I have been trying to make payments for the upcoming loan that is due on XX/XX/XXXX as the loan forgiveness has been lifted. I went to make my first payment of {$210.00} on XX/XX/XXXX and EdFinancial stated that my payment was pending. A few days later I went to check the status ( around the XXXX of XXXX ) and was told it was reversed on the XXXX but I did not get an email stating it was. I tried again XX/XX/XXXX as it was less then a month until the payment was due and again it said I had a payment reversal. All my banking information is correct as it is the same information I used back before the loan forgiveness took effect in XXXX. Address has been updated as well. I have since tried again to make a new payment today ( XX/XX/XXXX ) after reinputting all my information. EdFinacial has since charged me interest as my information " was incorrect ''. I tried to live chat with then but their service is turned off and a phone call required a XXXX hour hold which I opted for a call back. As of now my charge is pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  # XXXX is reporting a charge off to my credit that is past the Statute of  Limitations in Nevada. I no longer legally owe this debt and it needs to be taken off of my credit report.
Product: Credit card or prepaid card

1. In XX/XX/XXXX ; Discover Card gave me an option to setup a " Hardship Payment Plan '' with low interest rate on my closed account. I signed up and setup to make payment with " Auto Pay '' on the XXXX of each month ( An email confirmation is attached ). Since the account was closed and setup for Auto Pay ; I did not see a reason to monitor activities as I was XXXX outside the United States. 
Last week ; I received email from credit monitoring that my Discover account was reported " Late '' and my credit score dropped by XXXX points. I checked my account online and noticed that Discover stopped using " Auto Pay '' for payments in XX/XX/XXXX but never notified me about that. I contacted Discover but they were not able to answer my question and instead transferred me to several different departments. 
MY MORTGAGE REFINANCE APPLICATION HAS BEEN DENIED SINCE MY CREDIT SCORE DROPPED FROM XXXX TO BELOW XXXX. 

2. Again, I contacted Discover several times and they continued to provide incorrect and misleading information to me. 
I asked Discover the date when I signed up for the " Hardship payment Plan ''. Discover provided incorrect date over and over again and insisted that I signed up in XXXX and I was not setup for Auto Pay ; which is not true. I actually signed up in late ( XXXX ) XXXX with " Auto Pay '' from my bank account. 

I contacted Discover several times and they continued to provide incorrect and misleading information to me and I was not setup for Auto Pay. 


A similar complaint was filed with CFPB in XXXX of XXXX when account was in COVID-19 relief but Discover still charged Late Fees ; eventually they revered the Late Fees after receiving a copy of the complaint from CFPB.
Product: Debt collection

This was a particular situation that I broke the lease due to rats being infested in the apartment and the AC continuously breaking and flooding my apartment. I ended up filing it under my bankrupcy when I went on to a XXXX 's XXXX   situation and I could not make the arrangement payment of XXXX per apartment for current month owed. I'm not sure why they sent the bankruptcy attorney and amount of XXXX. And on these records indicate XXXX. I have attempted to call the apartments numerous times as well as I spoke to the collection agency and they said it has been wrote off. However it's not showing that it shows open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the following items that are 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/block any items or information not later than 4 business days after I sent the letters last XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers : XXXXXXXX XXXX XXXX XXXX Employers : XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Vehicle loan or lease

I am submitting this complaint in response to recent correspondence through the CFPB regarding the retail sales contract associated with my account. After carefully reviewing the documents provided by Ally Financial, I have serious concerns about potential fraudulent activity and the authenticity of the contract in question. 

Upon closer examination, I do not recall signing a retail sales contract directly with Ally Financial. However, I did enter into a contract with XXXX XXXX. It appears that my signature from the contract with XXXX XXXX has been forged onto the retail sales contract presented by Ally Financial. I have attached a copy of the revocation letter sent to both Ally Financial and XXXX XXXX, which clearly states the rescission of security interest, proceeds, power of attorney, and any other agreements signed. 

Furthermore, the full amount was received by Ally Financial under what appears to be false pretenses, facilitated by the unauthorized use of my XXXX XXXX XXXXXXXX and forged signature. This entire transaction raises serious questions about the integrity of the process and Ally Financial 's compliance with legal and ethical standards. 

I must express my disappointment and frustration with the handling of this matter by Ally Financial. Despite my repeated attempts to resolve this issue, I have been met with disregard, disrespect, and a lack of cooperation from your team. It is evident that Ally Financial is failing to uphold its fiduciary duties and obligations to its customers. I strongly believe my rights under the Truth in Lending Act have been violated.