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

On XX/XX/2023, equifax received a certified letter requesting written documentation of a hard inquiry on my credit report that I did not authorize ( USPS Tracking Number XXXX ). I also requested that if documentation could not be provided to me to please remove the inquiry from my report and send me an updated copy of my credit report.the inquiry was for Informative Research-CPU On XX/XX/XXXX equifax sent me a copy of my credit report including the results of their investigation. The results stated that inquires are factual record of file access and will remain on the equifax credit file for two years from the reported date of the inquiry. The inquiry is still on my credit report without providing me proof tht I authorized this inquiry.
Product: Debt collection

Set a debt validation letter with specific information requests about this debt. This company responded with letter that says I owe the debt and nothing more.
Product: Credit reporting or other personal consumer reports

Bankruptcy is on record that was dismissed because of non payment of court fees, which means it cease to exist, I have been ignored and I dont think they sent did any investigation whatsoever, XXXX XXXX 5 days exactly to send a generated message explaining that this was accurate, the ai generated message came on a Sunday evening at XXXX, they then placed previously deleted ( XXXX XXXX XXXX credit information back on credit report, so Im curious am I bankrupt or in debt because as of today Im both? 
Thanks for your assistance with this, Warm regards XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Delaware creditor have some fraudulent was of dealing with consumers when it comes to debt collection they always use third parties who then sure consumers but when I settled with their third party The Fraudulent Barclays Bank will not honor the agreement of their representative the third party. In my case The Fraudulent Barclays Bank referred me to their third party after I finish settling with their representative Barclays is still reducing to honor my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX 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 card

I received a credit card charge statement for XX/XX/year> from Comenity Capital Bank. I called the customer service number and told them I never registered for this credit card and asked that they reverse the charge from XXXX for the amount of {$100.00}. They said I need to call the vendor to dispute it. I said, I have no phone number as I don't know who they are since I never signed up for this credit card. I asked to speak to a supervisor as the employee did not know what to do. I told the supervisor to cancel the credit card, and I would not be paying for the fraudulent charge. I thought this had been handled and the situation was closed. Shortly after that conversation, I received a notification that they were indeed canceling my credit card but that I still owed them the outstanding balance with finance charges, and they reported me to the various credit unions. 

On XX/XX/year>, I contacted the XXXX XXXX Attorney General 's office to file a complaint as I believe Comenity Capital Bank is running a scam and I can't be the only victim. They are trying to bilk not only me but many Americans across the country hoping people will just pay them and not fight it to protect their credit score. 

On XX/XX/year>, I received communication the XXXX  Attorney General 's office recommending I file the complaint with the Consumer Financial Protection Bureau. 

On XX/XX/year>, I sent XXXX certified letters to Comenity Capital Bank to dispute the charge again with a copy of the response from the XXXX Attorney General and a copy of the statement they sent to me. They were sent to the Comenity dispute department as well as the address for paying a bill. 

On XXXX XXXX, I received communication back from Comenity Capital Bank asking me to resolve the dispute with the Vendor who they now disclosed was XXXX XXXX XXXX and providing a phone number. I called the phone number, and it is a disconnected number, thus showing their fraudulent practices. They again said they are updating their " findings '' with XXXX, XXXX, XXXX and XXXX XXXX XXXX and threatening to charge additional late fees and finance charges if not paid. 

This clearly shows they know what they are doing is wrong and will do whatever they can to make money on vulnerable citizens who will not fight back, thus ruining their credit score.
Product: Checking or savings account

I reported fraud on my checking account with Navy Federal and they came back and said I am responsible for the fraud and that they apparently saw no fraud. I did not make those charges and I did not authorize those charges. They also couldnt even provide me with information of what they deemed it my fault. Im now negative {$1900.00} in my checking account and they will try to put it to collections.
Product: Credit reporting or other personal consumer reports

Re : Agreement to Dismiss Court Judgment Court Name and Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Judgment Creditor : XXXX XXXX XXXX Judgment Debtor : XXXX XXXX Case Number : : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have two addresses that appear on my credit report that I have never resided at that are not associated with me, and that do not belong to me. The addresses are ( 1. ) XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, and ( 2. ) XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. 

I also currently have a total of 9 Hard Inquiries that appear on my credit report that I did not authorize. They are : ( 1. ) XXXX XXXX XXXX  ( 2. ) XXXX XXXX XXXX XXXX XXXX XXXX 3. ) XXXX XXXX XXXX XXXX 4. ) XXXX  XXXX XXXX 5. ) XXXX XXXX XXXX XXXX XXXX XXXX 6. ) XXXX XXXX 's ( 7. ) XXXX XXXX XXXX  ( 8. ) XXXX XXXX XXXX 9. ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account is reporting incorrect on credit file. Experian was sent documentation from XXXX> The account went 30 days past due 7 years ago, then 60 then 90 ... Experian has failed to correct my file although I sent them a letter from XXXX. They have failed to properly address my complaint and also have blocked me from disputing online. I can not dispute anything online although I pay for their service. XXXX and XXXX corrected the account Experian merely ignores my request. The account 's history is 7 years old and the history should have dropped off with the Chapter XXXX. In any case the other bureaus corrected it when I submitted the letter.
Product: Debt collection

I am being contacted by a debt collection agency Receivable Management Services LLC regarding a {$500.00} charge related to a car rental from XXXX XXXX. 
This charge was previously disputed through my bank in the United States, and the case was resolved in my favor. XXXX failed to provide any documentation to support the charge during the dispute process, and the funds were returned to me. 
Afterward, I contacted XXXX XXXX and their U.S. headquarters in Florida. I was told that the matter would be looked into, but I never received any follow-up or justification for the charge. 
Despite the dispute resolution in my favor, Receivable Management Services LLC is attempting to collect this amount + fee. I believe this collection attempt is inappropriate, unvalidated, and harmful. I have not received any documentation verifying the debt, and XXXX has not responded to my attempts to clarify the situation.
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. 

has violated my rights. Or 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, credit repair services, or other personal consumer reports

I have notice an account on my consumer profile upon return from XXXX XXXXXXXX, someone opened a fraudulent account in my name and was paying it somehow but i noticed it when i started getting notifications from my consumer profile report. i have stated to this company and now i am notifying the credit bureaus that this is a fraudulent account obtain in my name. i asked this company to send the original contract with my wet signature, the company could not provide this information therefore proving that this contract is fraud and does not exsist. i am the only natural person that can validate or give consent of an obligation that you the debtor says belongs to me 15 USC 1692 ( E ) this is a violation of federal law. I dispute the validity of this fraudulent account which the company has failed to show or provide me with the original contract. This has caused me hardship because i have not been able to obtain credit because of this companies failure to remove debt in 30 days i have filed an affidavit in federal court for damages pursuant to federal law! 5 USC 1692 ( K ) this company is liable to such person the sum of XXXX  according to the F.and can be filed in the U.S. District Court This company must be removed from my consumer profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Sincerely XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 15 days ago and have yet to receive an adequate resolution.

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

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Eight student loan accounts were reported 90 days delinquent in XX/XX/2015. 

The delinquencies were reported in error as evidenced by the following : 1. Department of Education student loan accounts remain in good standing while in active deferment status. Deferment continues through a XXXX grace period after the semester ends. 

2. The grace period for these accounts began in XX/XX/2015 and remained in place through XX/XX/2015. 
As reflected on the credit reports, the accounts were in good standing from XX/XX/2015 through XX/XX/2015. 
XXXX records show the accounts in good standing at the time of adverse reporting. No late fees or penalties were billed.
Product: Mortgage

My complaint is as follows : The XXXX XXXX XXXX XXXX XXXX XXXX and Myself have been trying for months to get a reinstatement statement for the Forbearance amount. 

Due to the mortgage company not replying to my/our requests, my property is now in the foreclosure process. This could have been avoided if they answered our requests. It is their fault for my property going into foreclosure as they did not provide the requested reinstatement letter when it was requested. 

They are also charging fees for foreclosure to the point that my principle has increased. It has gone from {$320000.00} to {$350000.00} a difference of {$29000.00} Again, this is the fault of the mortgage company not providing the reinstatement statement when it was initially requested i.e prior to any thought of a foreclosure. 

It is to note that the XXXX XXXX XXXX XXXX XXXX XXXX has been dealing with this mortgage bank longer than myself ( XX/XX/2022 ). I was asked to help get a reinstatement statement for the forbearance amount. 

The following is my communication with the mortgage company. 

1.I contacted the Mortgage company via uploaded to portal ( XX/XX/XXXX ). 
2. Mailed ( XX/XX/XXXX ). 
3.Spoke to a mortgage representative for in the foreclosure department ( XX/XX/XXXX ). 
4. Faxed to XXXX ( XXXX ). 
5. Emailed to XXXX ( XX/XX/XXXX ). 

I also stated the urgency for the reinstatement statement. As I was told by the foreclosure representative that I can request it be expedited and sent to my XXXX email. 

See attached letter that was communicated to the mortgage company with no reply. If there was/is a class action law suit I would happily join it. 

According to yelp reviews I am not the only one with the current issue or issues in general with this mortgage bank. https : XXXX I thank you in advance for you assistance. 

regards
Product: Debt collection

Assignment clause Notarized letter of debt purchase Signed contract from original creditor Signed HIPAA form I disputed this account awhile ago but still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Signed HIPAA form This is a form of HIPAA violation.

If they are saying it is verified then where's my proof? What methods are you using to verify?
Product: Credit reporting or other personal consumer reports

XXXX for XXXX XXXX and XXXX for another bill under collections as well as false hard inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$6100.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$8300.00} 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.. 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. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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. This account ( XXXX ) is 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.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding the inaccurate items that appear on my credit report. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of this matter. 

**See letters for the disputed items
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has posted an allege debt of {$230.00} on my private personal consumer report held and shared by Equifax and XXXX XXXX without properly, legally and lawfully notifying me in the proper manner in which would have afforded me the opportunity to exercise my rights and dispute the allege debt if need be. Equifax and XXXX XXXX has violated several consumer laws by posting, sharing and/or adding remarks to my personal private consumer report pertaining to any transactions and experiences that may or may not have taken place pertaining to this matter, account and/or allege debt/claim. Under the Fair Debt Collection Practices Act Validation of Debts A debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt five days after the initial communication, all of the following information must be sent to the consumer in written form : The amount of the debt The name of the creditor to whom the debt is owed Notice that the consumer has thirty days to dispute the debt before it is assumed to be valid. Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment If the original creditor is different from the current creditor, notice that if the consumer makes a written request for the name and address of the original creditor within the thirty-day period, the debt collector will provide that information If, within the thirty-day period, the consumer disputes in writing any portion of the debt or requests the name and address of the original creditor, the collector must stop all collection efforts until he or she mails the consumer a copy of a judgment or verification of the debt, or the name and address of the original creditor, as applicable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a Dispute in regards to the incorrect items on my credit report it is well over 30 days and I have not received any investigation results
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I conducted a credit check on myself and was made aware that I had a XXXX  XXXX card account in my name so I had no idea about it was active since XX/XX/XXXX I immediately filed an identity theft report with the FTC and sent this report to all corresponding agencies who report credit it was not removed from my Equifax or XXXX XXXX reports my XXXX report removed it right away. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER58 RIGHT TO PRIVACY PURSUANT TO USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 .
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Chase continues to send me preapproved offers for credit cards in spite of the fact that I have called multiple times to be expressly put on their do not mail list. Ive had my identity stolen in the past and do not appreciate this being a potential avenue for that.