23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX of this year, I accessed my credit files through one or more of the credit bureaus and discovered a collection under the business trade-line for XXXX XXXX XXXX. This collection was placed by Resurgent Capital Services on " behalf '' of Pinnacle. " Resurgent is the owner of " pinnacle, '' which is easily provable through business records. Following my discovery, I disputed the alleged account with the credit bureau, I filed a complaint with the appropriate Better Business Bureau. I also sent a letter ( priority mail ; delivery confirmation ) directly to Resurgent disputing this alleged account. To date, I have not personally received any form of communication from Resurgent. An " XXXX XXXX '' ( who states it represents the compliance department ) did respond to the complaint with the BBB. That communication was forwarded to me. XXXX has made several false claims ; Beginning with the stated fact that this account had been " properly '' verified. I have never received any form of communication regarding this alleged debt ( written or verbal. ), from Pinnacle or Resurgent. There is the claim, that this company is in compliance with the FCRA and the FDCPA, however, I can prove that there are several violations of both. XXXX, also states that Resurgent " utilizes '' numerous third-party collection agencies, this account has been placed with more than one of these third-party agencies. XXXX has alluded to an internal investigation concerning this alleged debt. Followed by a statement that contradicts an investigation having been conducted. XXXX also falsely accused me of making statements that I did not make. And that is also easily proven. This XXXX has stated that it is MY responsibility to provide this company with proof that I do not owe this debt. This company has made the claim, alleged and/or accused me of owing this alleged debt. It is the responsibility of the company to legally prove that this is a legitimate debt. That I am legally responsible for this alleged debt. XXXX made more than one statement that can be construed as defamatory. Statements, that I consider expressed and implied threats. XXXX, on behalf of Resurgent has infringed on my legal rights. As well as attempting to use intimidation/bully tactics to force me into complying/agreeing with the narrative of Resurgent. I have attempted to get the appropriate information regarding the alleged debt directly from Resurgent. As I have stated, to date, Resurgent ( or XXXX, acting on behalf of Resurgent ) has refused to supply this information. Resurgent/Pinnacle need to be thoroughly investigated by both the Federal Trade Commission and the State of Georgia Attorney General 's office. Though, this XXXX, is only acting on behalf of Resurgent, this person needs to be held accountable for its words and actions.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax regarding several fraudulent inquiries that have appeared on my credit report. As an XXXX  and XXXX individual, I have encountered three unauthorized credit inquiries on my report, which I did not initiate or authorize. Despite my efforts to resolve this issue directly with Equifax, these inquiries remain on my credit report, negatively impacting my credit score and financial well-being. 

Description of the Issue : Upon reviewing my Equifax credit report, I discovered the following three unauthorized inquiries that were made without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX These inquiries have adversely affected my credit score, making it difficult for me to access credit at reasonable terms. As someone who depends on good credit for financial stability, this situation has caused me significant distress. 

Actions Taken : In response to these fraudulent inquiries, I promptly filed a report with the Federal Trade Commission ( FTC ), Report Number : XXXX. Additionally, I contacted Equifax to dispute the inquiries and requested their removal. However, despite these efforts, Equifax has not resolved the issue. The fraudulent inquiries remain on my credit report, and Equifax has not provided a satisfactory explanation or resolution.

Consumer Rights Violated : I believe that Equifax has violated my rights under the Fair Credit Reporting Act ( FCRA ), including : 1. Right to Accurate Credit Reporting : The FCRA guarantees my right to an accurate credit report. The presence of unauthorized and fraudulent inquiries constitutes a violation of this right.

2. Right to Dispute Information : The FCRA allows me to dispute inaccurate or unauthorized information on my credit report. XXXX failure to address and rectify these disputes violates this right. 
3. Failure to Investigate : Equifax is obligated under the FCRA to conduct a reasonable investigation when a consumer disputes information on their credit report. I believe Equifax has not fulfilled this obligation, as the fraudulent inquiries remain unaddressed.

Important Note : While I am seeking the removal of these unauthorized inquiries, I do not want a fraud alert placed on my credit report. A fraud alert is not necessary in my case and could complicate my access to credit. I am specifically requesting that the removal of these inquiries be handled without placing a fraud alert on my credit report. 

Impact : These fraudulent inquiries have resulted in a lower credit score, which could potentially lead to higher interest rates, denial of credit, and other financial challenges. As an XXXX  and XXXX individual living on a fixed income, this has caused me undue stress and poses a significant risk to my financial well-being.
Product: Mortgage

Attempted to get an underwater loan on a second home re-financed, including lower interest rate and principal reduction. After 2 yrs. XXXX XXXX has outsourced to Seterus, and we were offered a lower interest rate only. New payment became more than previously, due to fees and interest accrued. ( my spouses business failed & our income declined ) With principal reduction we could afford the mortgage, but they stated this could not happen due to XXXX loan rules. Is this true? We constantly re-filed paperwork that had been " lost '' throughout the years, with no offer ever being made until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2023, I submitted dispute letters to XXXX, Experian, and XXXX regarding inaccurate information on my credit report. Despite my submission, XXXX, Experian, and XXXX has not adhered to the requirements of the FCRA in their handling of my dispute. I'm reaching out to you today because I'm really upset with XXXX, Experian, and XXXX - the three main credit reporting agencies. The Fair Credit Reporting Act- in a section labeled 1681i ( a ) ( 7 ) - clearly states that when a consumer like me asks about their reinvestigation process, these agencies must explain it within 15 days. But I'm still waiting for an answer from them since I made my request on the dates above. 

There's another issue too. I've found some inaccuracies in my credit report, and I've already informed them about it. Despite this, they haven't removed the incorrect information. This goes against what's outlined in section 1681i ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. Also, they're supposed to ensure that the information they have on me is as accurate as it can be, but these mistakes keep popping up. This isn't right, and it's a violation of another part of the Act - section 1681e ( b ). I'm really at my wit 's end here and I'm hoping you can help me resolve this.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I XXXX have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Debt collection

I sold a XXXX XXXX to XXXX XXXX, his brother, and his stepmother, XXXX XXXX, using XXXX on XX/XX/2022 for {$650.00} in XXXX, OK. On XX/XX/2022, about a month after the transaction had been finalized, the buyer then notified their bank that the purchase was an unauthorized charge. XXXX also has blocked me on XXXX, which most normal buyers don't do unless they are up to no good. XXXX was unable/unwilling to help me and their sole purpose was recouping the amount owed, and sought to have me pay a total of {$660.00} to settle my account. I consider myself a victim of fraud/theft as I have logs from XXXX stating that XXXX, his brother, and himself were on board with the purchase, so I reported an IC3 form. I have not heard anything back regarding my filing of the IC3 form. I have also filed a complaint with XXXX PD. I have video footage of the meetup with the brother who came to pick it up, and pictures of the chat logs. I am on limited income and SSI due to having a XXXX and a chronic XXXX. I was trying to earn a little extra money to pay for my expensive medicine, I don't have the income to take a {$660.00} hit to my finances and pay for their fraudulent actions. I tried to attach the video but the file exceeds the 10mb limit, if it is required I am more than happy to show that as evidence as well. I have attached the relevant chat logs. 

Reference # XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX. put a Judgment # XXXX on me. I don't have any written or verbal contract with them, they never validate the Debt.XXXX XXXX   XXXX XXXX XXXX, XXXX.are the original creditor and they violating Fair Debt Collection Act. Debt already been forgiven/paid internally. Original Bank for the credit card Debt never filed 1099 A or 1099 C to IRS so Debt been write off by the original Bank. Debt is been too old and there's no activity on that account for over 10 years. XXXX XXXX XXXX XXXX XXXX, XXXX. act is completely illegal and has to stop and investigated by AG NJ office. XXXX XXXX XXXX XXXX XXXX, XXXX. is in serious violation of XXXX Rights and Common law and FDCPA violations.Alleged Debt is not owed any more because it passed age of limitation.
Product: Debt collection

I am writing to formally request the removal of several fraudulent accounts and inquiries from my credit report. These accounts and inquiries are not authorized by me and do not belong to me. The presence of these fraudulent items has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These fraudulent accounts have resulted in negative remarks that are adversely affecting my credit score and financial reputation. 

I kindly request the immediate removal and blocking of the following fraudulent accounts and inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION\
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my capital one credit card balance down to {$0.00} before my due date. I have my XX/XX/XXXX statement proving I paid everything to {$0.00}.

But capital incorrectly reported I still had {$1000.00} balance to the credit bureaus & now my credit score has dropped tremendously.

Thank you for your time.
Product: Vehicle loan or lease

I called XXXX XXXX today to inquire about rates, their rates had gone up after XX/XX/2024 for refinancing my XXXX XXXX car loan to reduce the interest rate paid. 

So I looked online at USAA to see their rates. I couldn't see rates unless I " applied for a car loan '' and submitted basic information. I received a notice that I must call within 3 days to receive loan information. I immediately called. The representative XXXX ID # XXXX told me that my XXXX credit file was locked and she couldn't see my credit scores to give me rates. I went online to unlock my XXXX credit file, unaware that she was conducting a " hard pull '' on my credit which will remail for 2 years and will degrade my credit score. She refused to remove the hard pull once I was given their rates which were much higher than XXXX XXXX rates and many others I could see online. My credit score is over XXXX. With an " excellent rating score '', the loan rates should have been preferentaial. Unfortunately they were too high. I asked for the XXXX lending XXXX XXXX team and was transfered to XXXX who refused to provide her last name, location or ID #. She basically told me too bad the hard inquiry will remain for 2 years. 

USAA has engaged in predatory lending tactics and pulling a hard inquiry without my knowledge that a hard inquiry would result. Which in turn will affect my good credit score with an unauthorized hard pull for the next 2 years. I want this hard pull REMOVED from my XXXX account. 

I contacted XXXX Credit Bureau to report this unauthorized hard pull and spoke to XXXX XXXX who refused to provide an employee ID, or the correct spelling of her name. XXXX Report # XXXX. I was supposed to receive a supervisor call back within XXXX minutes. After an hour and a half I called XXXX and the agent put me on hold. He never identified himself and once he came back on the line the call was disconnected. 

Both XXXX and USAA make it prohibitive to correct wrongful inquiries and correct mistakes on consumer 's credit files. Causing damaging inquiries to be reported on files with an inundating process to the consumer to try to correct. 

I will be contacting the XXXX, FTC, FCC, Attorney General and all other entities necessary to protect my good credit and eliminate wrongful reporting by creditors and credit reporting agencies that hold consumers XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 and XX/XX/2020 I filed a dispute with transunion. transunion fail to reply with 30 days. please can someone help me, these items are causing harm to my credit report. according to the FCRA section 609 they are in violation
Product: Checking or savings account

As of XX/XX/2020 XXXX administrator of Firstdata credit card processing services decided to unilaterally stop depositing funds that were due to my business as a result of goods sold at XXXX XXXX. First data ( XXXX ), said the reason they decided to withhold funds, is that one ACH did not process from my XXXX business back in XX/XX/2020. Firstdata ( XXXX ), made no attempt to notify me of a the problem in the ACH withdrawal in which they claim, they sent no bills, no emails or any communication regarding this error. As a result, the business XXXX XXXX has been wrongfully and unjustly withheld it's funds of nearly $ XXXX over the course of the last 5 months.
Product: Debt collection

I have been a victim of identity theft since XXXX. I have been paying off debt that isnt mines for years to have them removed from my credit file. Attached are copies of police reports since XXXX and FTC affidavit. 

I pulled my credit file, I have National Credit Adjusters, immediately I contacted National Credit Adjusters to report fraud. I was advise by representative, to write in about complaint. I wrote in 4 times to this company only to receive a bill. Every time I call back they say write in they send me a bill. Each time the bill is about 600 $ different then the one before. 

After not receiving any help after sending all of my IDs and verification information and FTC affidavit the company responds only with a bill. I call and get transferred overseas and a script read to me. I thought about paying the company but a friend of mines said you can not keep paying for debts that doesnt belong to you and the company may not be real.

National Credit Adjuster refuses to follow FCRA guidelines for identity theft or for 30 day response time. Ive provided all documentation to prove identity theft. This company also opened this account after never called me to ask identifying questions which is listed on my credit file before lending any credit in my name. Ive been in contacting this company since XXXX. Sending requested information with no validation. Of debt or how it was open. I keep getting sent overseas and the debt keeps fluctuating in amount. I am unsure what to do at this point. Requesting police involvement. 

Please help, unsure what to do at this point. 

Company stating I must make payments and Is severely damaging my credit profile. This company is not following the fair credit reporting act or following ID theft laws. Also I have a freeze on credit file which states company must call to verify I am the actual person taking out debt. No phone calls received. Please help. 

- followed procedure in reporting the fraud, company responds with bill and no response to debt or fraud documents. 
- spoke with legal which advised me to file report and now sue company.
Product: Debt collection

My information was sold and bought illegally because I was a victim of the 'Equifax ' date breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was a fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal items from my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 writing to dispute inaccuracies in my credit report and formally request corrections to ensure its accuracy. Upon review, I found multiple discrepancies regarding my address history. These address are not associated with me and must be removed. 

The incorrect information to be removed includes : XXXX XXXX XXXX XXXX XXXX CA XXXX & XXXX XXXX XXXX XXXX XXXX CA XXXX Please update my credit report with the following correct information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included copies of : My government-issued ID confirming my name and date of birth A recent utility bill verifying my current address My Social Security card to confirm my SSN This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request the following actions : Conduct an investigation to identify and remove inaccurate information. 
Update my credit report with the correct details provided. 
Send me written confirmation once the corrections are made, along with an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802.

Per the Privacy Act of 1974 as a federally protected consumer, I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. 

XXXX XXXX stated they would not share my non public information with non affiliates. The CFPB is ONLY credit reporting agency recognized by the government and Equifax is a privately owned company with no affiliation with the government therefore they ARE NOT the credit bureau so XXXX XXXX  should not have released my information to Equifax.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 card

I have a XXXX XXXX Credit Card from Comenity/Bread Financial . My previous balance in XXXX was in the vicinity of {$22.00}. I had made a purchase that was {$30.00} plus shipping, coming to roughly {$41.00}. I admit that I was late ( an oversight that month ) paying the bill and they charged me late fees. I returned the item because it didn't fit and expected to have a credit against my account of nearly {$30.00} ( I paid the return shipping ) and I told XXXX XXXXComenity that I would pay the balance of the account when i was given the credit. They told me they gave it to me but could only remove {$15.00} worth of late fees. I accepted that and the next month came with a new bill. My balance according to them was {$57.00} or so and a minimum of {$37.00} due by XXXX XXXX. I made payments in increments and unfortunately I was maybe {$2.00} short. They have now billed me {$37.00} again plus another late fee of {$15.00} for being {$2.00} short, and want {$37.00} by XXXX XXXX. {$57.00} for being {$2.00} short?? I acknowledge that the amount was short but their charges are highway robbery. Anything that you could offer would be most appreciated. Thank you for your time.