23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Fraudulent Unauthorized Credit Inquiry credit information. I 've contacted these creditors over 60 days ago requesting verifiable documents and they all have fell to provide such proof, but I was told by the companies below to dispute directly with Equifax and again and again equifax has refuse to remove these Fraudulent Unauthorized Credit Inquiry, it has been over 60 days in my fight with Equifax, it 's so frustrating to receive over and over again XXXX ; We have reviewed the inquiry information for The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact :
Product: Mortgage

In XXXX, I received an escrow analysis from my mortgage company, nationstar, which showed that my escrow had a shortage of nearly {$2000.00}, which means an additional {$250.00} will be added to my payments this year. It appears they have now attached hazard insurance to my mortgage, without my knowledge, something I 've never carried in the past. I have a separate homeowner 's policy with XXXX. They tell me I have to have this, without evidence or reason. I 've asked them to remove it, but they will not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted an application for a credit card with XXXX, which was unfortunately declined due to their adherence to the XX/XX/24 rule. According to this rule, I am purported to have opened five credit card accounts within the past five months. This, however, is not an accurate representation of my activities. 

XXXX communicated to me that my XXXX Credit Report indicated the presence of a credit card account with Self.inc. While it is accurate that I maintain a Self.inc Credit Builder account, I have never been consulted about or consented to the opening of a Self.inc credit card associated with this account. 

Interestingly, the Self.inc website highlights the availability of a credit card that does not necessitate a hard credit inquiry, stating : " No hard pull on your credit Your card is secured with the money youve saved with your Credit Builder Account Designed for building credit with responsible use '' It is my understanding that this credit card may already exist within their system and has been subsequently reported to the credit bureaus. I would like to stress that I have no interest in maintaining this card and wish to have it cancelled and its records expunged from the credit bureaus. 

Perusal of their FAQ provides the following information : " Cancel your Self XXXX Credit Card account by calling us at XXXX. Please note that once your card is closed, we will not be able to reopen that card account, though you may be able to open a new one in the future. '' In an attempt to rectify this situation, I have reached out to them five times via their provided contact number and sent multiple emails to XXXX. Regrettably, each time I have called, I have been informed that there is no available representative to assist me, and my emails have not garnered a response.
Product: Credit reporting 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 any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. XXXX XXXX XXXX Balance {$8400.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Request to Remove Inquiries from my Credit Report Dear [ Transunion And All Other Credit Bureuas ], I hope this letter finds you well. I am writing to request the removal of certain inquiries from my credit report, which I believe are negatively impacting my credit score. 

As a responsible consumer, I regularly monitor my credit report to ensure its accuracy and to maintain a positive credit history. During a recent review, I noticed several inquiries listed on my credit report, which I believe were made without my express permission or knowledge. 

Upon careful examination, I have identified the following unauthorized inquiries : LIKE 26 Or 36 Inquiries I have not authorized any of the mentioned inquiries, and I am concerned that they may have been made fraudulently or in error. As such, I kindly request your assistance in removing these inquiries from my credit report immediately.

I understand that removing inquiries may require verification, and I am willing to provide any additional information or documentation necessary to expedite this process. Please consider this letter as a formal dispute and take the appropriate steps to investigate and rectify the situation promptly. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I trust that you will adhere to the necessary guidelines in this regard. 

Kindly inform me of the steps taken to resolve this matter and provide written confirmation of the inquiry removal once completed. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of the accuracy of my credit report. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Debt collection

Midland credit management has this account marked as a charge off on my 2 of my credit reports and when I disputed it they updated my credit reports as is being an open account and increases the balance on it. I have no knowledge if this account. XXXX has deleted this off of my report but this company continues to report it to XXXX and XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting of my credit information. A charge-off indicates that the debt has been written off by the original creditor, and any balance should not continue to increase unless new activity has occurred, which it has not. Additionally, the simultaneous reporting of this account as both a charge-off and as being in active collections may constitute a reporting error.
Product: Credit reporting or other personal consumer reports

I have been a customer of XXXX XXXX XXXX  since XXXX, I love that they have given me a second chance to reestablish my credit so that I can obtain employment, housing and a new vehicle someday. However, I was terminated from multiple employers between XXXX to XX/XX/XXXX which left me without income to pay my bills or anything else ; I have NO ONE TO RELY ON due to being disowned by family and what I thought were friends. In addition, I was evicted from my place of residence because I got too behind on my rent leaving me homeless since XXXX XXXX XXXX, I have NOT BEEN ABLE to get employment or anything BECAUSE of the late payments placed on my credit reports and I HAVE WRITTEN TO THECEO ALONG WITH UPPER MANAGEMENT TO RESOLVETHIS ISSUE. THEY CLAIM TO UNDERSTAND MY SITUATION, HOWEVER THEY HAVE DONE NOTHING ANDRENEGAGED ON THEIR PROMISES TO HELP ME OUT!!! IHAVE WORKED SINCE THE AGE OF XXXX DESPITE MYCIRCUMSTANCES AND NOW I AM UNABLE TO WORK DUETO THE XXXX THIS SITUATION WITH XXXX XXXX XXXXALONG WITH MY OTHER CREDITORS HAVE CAUSED ME. IAM CURRENTLY HOMELESS AS MENTIONED WITHNOTHING TO SHOW FOR IT, I AM ON SEVERALMEDICATIONS THAT I TAKE TO REMEDY MY XXXX  ISSUES BUT I AM STILL UNABLE TO WORK, IHAVE APPLIED FOR ALL ASSISTANCE TO EVERYCAPACITY HAVING BEEN TURNED DOWN BY EVERYONEAS MY SITUATION IS MORE ADVANCED THAN THEY CAN HANDLE AND I AM ASKING FOR THEM TO REMOVE ALLOF THE LATE PAYMENTS ON MY ACCOUNTS ALONGWITH REIMBURSEMENT OF {$480.00} IN LATE FEES TOBOTH OF MY ACCOUNTS AND PAYMENT OF {$140000.00} IN LOST WAGES DUE TO NOT BEEN ABLE TO WORK ORANYTHING. IF THIS DOES NOT GET RESOLVED WITHIN XXXX, I WILL FILE A LAWSUIT AGAINST THIS COMPANYALONG WITH AN ADDITIONAL PAYMENT OF {$30000.00} IMMEDIATELY.
Product: Mortgage

XXXX XXXX XXXX XXXX All Purpose Certificate Of Acknowledgment Page is XXXX by the Notary Public XXXX XXXX XXXX XXXX XXXX XXXX sign her name as the witness notary public with her signature stamp Forge my name as ( me ) XXXX XXXX I did not and was not personally appeared to her on XXXX XXXX, XXXX and this page is all sign by the same person and signer name is not my signature nor signer as self this is Forgery and have also filed a complaint with the State Of California XXXX XXXX XXXX notary public section I did not sign the notary journal record book to this document I have had a document company look as this document and all of it is sign and printed by the same person and my name is forged and there are some other issues to some other documents as well as dates and signatures I ask for documents for months and never received then until now. I have at least 8 letters to this issue as XXXX XXXX Mail but no response to the issue until now. 

had several copies mail to me as well with duplicate copies have one package they mail they claim is the same package not open as of yet that I spoke to some one who stated its the same papers and I have not open it in any way. 

I 'm filing a fraud and Identity Theft charge at the police department cant be at two places at the same time as the Notary has claim I 'm a XXXX at the hospital at the time of this loan and still a XXXX
Product: Debt collection

Received letter. Never received anything from this company prior. I have lived in XXXX XXXX since 1994. I am not sure what this company is doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates is reporting a debt that I owe {$5000.00} to them. I asked them to sent me a signed contract between them and myself and they havent sent me a copy of a contract as of yet. I been disputing this issue for the past XXXX years with no proof or results from Portfolio Recovery.
Product: Credit reporting, credit repair services, 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 the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX. 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 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

This complaint is about 2 issues : 1. The DUPLICATION of this debt on my Credit Report by 2 companies, the original company XXXX ( XXXX also called XXXX XXXX ) and the company they sold/transferred it to Portfolio Recovery Associates. BOTH OF THESE COMPANIES ARE LISTING THIS SAME DEBT ON MY CREDIT REPORT! They even share almost the same account number : The XXXX account number for this debt is : XXXX While Portfolio Recovery Associates list this debt as XXXX See any similarities? 
XXXX List this as a closed debt while Portfolio list it as an active account. 
2. This account was closed by XXXX after they mistakenly thought I had not made a payment in XXXX of 2009. When they called to tell me I had missed the payment I gave them the confirmation number of the payment I had made on time and a few hours later told them I had checked with my bank and indeed the payment had gone through the bank. Nevertheless they wanted me to make another payment that included a large penalty, which I refused to make. XXXX subsequently closed the account even though up till this time I had a perfect record of payments. I had never had a problem paying the original amount but the total since this time has always reflected the original amount plus penalties. Even though I have complained about this duplication before both of these companies have published this DUPLICATION ON MY CREDIT REPORT FOR 6 1/2 YEARS!
Product: Debt collection

On XX/XX/2021, I got a XXXX XXXXt from XXXX XXXX in XXXX Georgia. On XX/XX/2021, I received a check to cover the costs from my insurance company. On XX/XX/2021 I received a letter from the lab with instructions to send the check to the to the lab for payment. The bill was payed by credit card over the phone on the XX/XX/2021 when the letter notifying arrived in my mail box. On XX/XX/2021, Midwest Fidelity Service started calling me almost everyday. They have not sent me anything informing me of this debt and they insist that I prove to them that I do not owe the debt. Midwest Fidelity Service is trying to collect a debt that does not exist.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Transunion are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and Transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and Transunion ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Transunion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card

On XXXX XXXX XXXX  I made a payment of {$290.00} and since then, I have not used my card. However, I have noticed additional charges appearing on my statement that I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XX/XX/2021. I mailed out letters to Equifax, XXXX  and XXXX  on XX/XX/2021 about inaccurate information reporting on my consumer report. I have not received any response and its been over 60 days and thats a Violation. Also, Equifax, XXXX, or XXXX  also have another Violation because they didnt enter the NOTICE OF DISPUTE for any of the accounts after I disputed and they are suppose to enter the notice within 30 days and its been 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX 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.

Section 807 ( 10 ) prohibits the " use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. '' 3. False statement or implications. A debt collector may not falsely state or imply that a consumer is required to assign his wages to his creditor when he is not, that the debt collector has counseled the creditor to sue when he has not, that adverse credit information has been entered on the consumer 's credit record when it has not, that the entire amount is due when it is not, or that he can not accept partial payments when in fact he is authorized to accept them. 

FCRA 623 ( a ) ( 1 ) ( A ) reporting of information with actual knowledge of errors XXXX XXXX admitted that they do not purchase their debts.
Product: Credit reporting, credit repair services, 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. 

Accounts : XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX have violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an 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: Money transfer, virtual currency, or money service

Zelle allowed me to be scammed by a dog breeder, not allowing me to recover money after not receiving my dog.
Product: Debt collection

Someone stolen my identity and opened up some type of credit in my name on XX/XX/2023 for XXXX $ now my credit score dropped XXXX point because of it company name is cass & associates. I disputed the collection XX/XX/2023.
Product: Prepaid card

3x disputed a fraudulent charge made on XX/XX/year> for {$610.00}. They denied the last time stating I made a fraudulent or false dispute and closed my account. The money was fraudulently taken from my account. I don't know who the person is and I didn't authorize the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Product: Money transfer, virtual currency, or money service

I have an account with Venmo. I usually use my XXXX bank account to fund Venmo transactions. While out of the country, I added a joint XXXX credit card shared with my parents to my Venmo account. My parents did not recognize the Venmo transactions and reported them fraudulent to XXXX. All the transactions were payments I made to individual persons who are friends. There were XXXX different transactions reported as fraudulent to XXXX. On XX/XX/XXXX, Venmo suspended my account. That same day, we notified XXXX and Venmo that the transactions were valid. On XX/XX/XXXX, XXXX returned the funds to Venmo for XXXX transactions. On XX/XX/XXXX, my Venmo account was unfrozen. XXXX returned funds for one additional transaction on XX/XX/XXXX, and the other two on XX/XX/XXXX. Venmo has only closed one chargeback transaction and reversed the charge to the receiver 's Venmo balance. They continue to state " the dispute status in Pending Processor Response, '' which means we are yet to receive a response from your credit card company with a resolution on this dispute ''. I have contacted XXXX several times. They have stated that they have returned all the funds to Venmo, and the transactions are no longer tagged as fraudulent. I forwarded a copy of a letter from XXXX to Venmo, which states that XXXX returned funds to Venmo for all the transactions and lists each transaction. In an email response Venmo stated " if and when the card issuer provides a reversal of the chargeback it will be reflected on your reporting and merchant account statement. '' As of XX/XX/XXXX, Venmo has not reversed the funds they received from XXXX for XXXX of the XXXX transactions. Most of the transactions were returned to Venmo on XX/XX/XXXX.