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

Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : - Inquiry Date : XX/XX/year> - Company Name : XXXX XXXX XXXX I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to [ Name of Company ] or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being. 
2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 
3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. 
Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry. 
2. The source of the inquiry. 
3. Steps taken to rectify any errors or inaccuracies in my credit report. 
4. Verification of the removal of the disputed hard inquiry from my credit profile. 5. Updated copy of my credit report reflecting the amendments made. 
I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. 
Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. 
Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time frame. 
Sincerely, XXXX XXXX
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 how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report.

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Balance : {$330.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$7200.00} ; 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

Chase violated my credit card ( Chase Freedom ) agreement by mailing a credit card pertaining to my account to different address. The credit card agreement states that cards are to be mailed to the address of record. As a result, the card was mailed on XXXX and on XXXX approximately {$130000.00} in charges was attempted and {$6800.00} posted before Chase contacted me. Chase has yet to remove the charges and is not fully cooperating with me. I firmly believe that Chase is negligent.
Product: Debt collection

I have contacted XXXX about this account. I have been disputing this account since XX/XX/XXXX. I have sent a total of 7 letters to the credit bureau 's disputing this account. I have sent debt validation letters to XXXX and to XXXX XXXX XXXX XXXX XXXX XXXX. I have sent certified letters to XXXX on XX/XX/XXXX XXXX XXXX ) and they did not respond back to me in 30 days. So I sent another letter back out to them asking them for more verification about the debt on the account ( XXXX ). I was ask them for proper verification about the debt and they sent me a letter saying that they conducted an investigation, and was unable to substantiate the allegations in the dispute. I just received letters back from the credit bureaus on XX/XX/XXXX and I saw that updates was made. But, how was updates made and I been disputing this account since XX/XX/XXXX? They should'nt be making updates now bc I haven't asked them to update anything. I just don't understand how they can be updating this account. The credit bureaus should not be updating anything about this account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am requesting this inquiry be thoroughly investigated and removed once found to be fraudulent. I did not authorize this inquiry. I have never heard of these creditors.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX, 2017 To Whom It XXXX Concern : The following accounts are showing on mycreditreport that have not been legally validated and verified. The original creditor has not provided validation and the Court refuses to validate this debt as they can not find any record of it. Please verify and validate it or remove from mycreditreports immediately or I will begin litigation. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA : Accounts : XXXX XXXX {$210.00} XXXX {$630.00} XXXX {$330.00} XXXX {$510.00} XXXX {$4100.00} XXXX {$3700.00} XXXX {$1900.00} XXXX {$3400.00} XXXX {$2700.00} XXXX {$9300.00} XXXX {$3900.00} XXXX {$5000.00} XXXX {$7400.00} XXXX {$1400.00} XXXX {$2500.00} XXXX {$4300.00} XXXX XXXX {$1400.00} XXXX XXXX DEBT {$270.00} XXXX DEBT {$630.00} XXXX XXXX XXXX {$180.00} XXXX {$110.00} XXXX {$6900.00} Thank you for reviewing this and getting these items off my report immediately. 

Best Regards, XXXX XXXX XXXX : XXXX SSN : XXXX
Product: Debt collection

Im a senior citizen and was sent a text from XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX XXXX XXXXXXXX. I was told for {$49.00} I can do a photo shoot and I could model. On XX/XX/2022 I went in for photo shoot. Then they take me in the office and said they like my photos and want to use them I have to pay {$5000.00}. I told them I couldnt afford so they went down to {$2000.00}. I gave a {$450.00} down payment and felt pressure in signing not realizing what I was signing. They wouldnt let me cancel the next day and they said I owe {$1500.00} additional. I didnt get the photos nor do I want them. They now sent bill to a collection agency and it has gone on my credit report. Its Monterey Collection service XXXX, Calif. I feel this company is taking advantage of senior citizens and I dont know what to do. I am XXXX XXXX XXXX. Can you please advise. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT 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 Number : XXXX, Account Name : XXXX XXXX. Account Number : XXXX, Account Name : XXXX XXXX XXXX. Account Number : XXXX, Account Name : XXXX XXXX XXXX. Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account XXXX : XXXX, has 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 : 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: Debt collection

I want {$1000.00} please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. 
This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. 

Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector * Show me your license numbers and registered agent. 

I would like to inform you that in case your agency has reported invalidated account information to any of the 3 main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character
Product: Mortgage

My mortgage is with Kondaur Capital Corp. I have been tryin to get a payoff on my home since XXXX 2015. My daughter XXXX XXXX have contacted then as well. We have spoken to XXXX in which she refuses to call back or send my payoff on my home. We have spoken to her Manager XXXX XXXX several times and he never returns call nor has he sent my payoff on my home. I also left message for XXXX XXXX he has not returned my calls either. I have been asking for a payoff so I can pay my home off while I have the money. The second mortgage company XXXX XXXX. cant give me a settlement on my home lien because Kondaur refuses to send me a payoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be corrected and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/2021 I reviewed my credit reports with all three credit bureaus and noticed a collection from a company by the name of National Credit Systems , Inc . I wrote them a letter on XX/XX/2021 requesting for " Validation '' of the alleged collection. I never received a response. I then wrote another letter dated XX/XX/2021 and sent this letter via Certified Mail. ( see attached proof ) I still recevied no response. I wrote a third ( 3rd ) letter dated XX/XX/2021, mailed via certified ( see attached proof ). I received a simple letter from National Credit Systems Inc dated XX/XX/2021 with no documentation for validation, only a " Identity theft Victim 's Complaint and Affidavit. ' As I reviewed this letter and the attachments sent I notice that they did not have my correct name. 

I then wrote to them again on XX/XX/2021 informing them that what they sent as " validation '' of a debt was insufficent as well as letting them know that the name addressed on the letter was not me ; mailed via Certified Mail. ( see attached proof ) On XX/XX/2021, National Credit Systems , Inc. mailed me the exact same letter as they did on XX/XX/2021 with the same documentation for me to complete. I have never received anything from them " proving '' what they have reported under my name and social security actually belongs to me. I can not identify this debt, who they are and why they feel that I owe them anything.
Product: Debt collection

XXXX XXXX  XXXX XXXX XXXX  / XXXX $ XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX / $ XXXX XX/XX/XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 

XXXX and XXXX / XXXX / {$420.00} / XX/XX/XXXX No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX / {$250.00} / XX/XX/XXXX No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


In accordance with the fair credit reporting act these companies ( accounts ) 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 instruction.
Product: Debt collection

FRANKLIN COLLECTION SERVICE INC has stole my identity and are reporting fraudulently on my credit report. There is no contract binding me to this alleged debt, as it was In result of identity theft. 18 USC 1028 states they are violating my consumer rights by unlawfully transferring my authentication feature ( social security number ) electronically. I have token it upon myself to even request the validity of this account yet they never provided me with proper proceeders and policies that ensures the integrity of the account 15 USC 1681c-2 states that ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the XXXX XXXX XXXX XXXX XXXX XXXX with account XXXX, XXXX XXXX XXXX with account XXXX, XXXX with account XXXX, XXXX XXXX account XXXX. 
Has violated my rights. 
XXXX XXXX XXXX section XXXX A states I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish accounts without my written instructions XXXX U.S.C XXXX : A creditor may not treat a pavment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws. 

These are a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX XXXXXXXX XXXX XXXX, I XXXX XXXX XXXX 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: Debt collection

I am a victim of identity theft. Someone has been getting credit in my name with very little information about me and have been able to get approvals due to my excellent credit rating. As a result, my information is also getting mixed up with someone else 's information. 

The companies are as follows : FortivaXXXX. Amount owed : {$0.00} US Dept of ED. {$1200.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX  {$92.00} XXXX XXXX  {$120.00} Inquiries : XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX
Product: Debt collection

They are trying to get me to pay a debt I do n't know.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$5300.00}
Product: Debt collection

Collection account XXXX with procollect. 
We closed the lease with XXXX XXXX XXXX  during XX/XX/XXXX, They sent a final bill will incorrect charges on XX/XX/XXXX, I have requested clarification of wrong charges on XX/XX/XXXX ( email attached ). instead of clarifying they have forwarded it to procollect. I sent the same clarification request to procollect on XX/XX/XXXX and never received a response. I got fedup and paid in full on XXXX. 
Despite of these they have reported this as adverse remark to credit beauru which is totally unfair without providing any explanation. It is still reflecting in my credit report. 
involved parties are, XXXX XXXX XXXX XXXX XXXX, email : XXXX, Ph : XXXX procollect : ph XXXX XXXX XXXX, XXXX ; XXXX XXXX
Product: Vehicle loan or lease

I purchased a 2014 Volkswagen XXXX XXXX for {$8000.00}. I've paid {$350.00} for the past 40 months. Volkswagen still says that I owe another {$10000.00}. The turbo went out on the vehicle in XXXX. I have a contract with XXXX. Volkswagen contacted XXXX. XXXX refused to honor their contract, ( which was 2 months old ), therefore Volkswagen refuses ( to repair turbo, which is still under manufacturer warranty for the XXXX  ) unless or until I or XXXX pays the {$1900.00} for the thermostat. I considered trading in the vehicle, but received no help just suggestions and excuses. I then decided on a voluntary repossession. I need your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported on my Trans Union report on ( XX/XX/2018 ) I do NOT know what these are and they don't belong to me. i don't have any accounts with this company. I need these marks taken off my Trans Union report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; XXXX XXXX XXXX, has violated my rights with an incorrect late payment reported from XX/XX/2021 -- XX/XX/2021 ( 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.
Product: Debt collection

I've been called off and on since XXXX with the same story, and reported it every time. 

I'm told I opened a payday loan in ( constantly changing date ) for ( constantly changing amount ) and told it will go to court. The first call I receive always states that they've tried to contact me several times-but it's always a new company, or claims it is. 


I never opened this account, the debt is not mine. I informed them of that fact and asked them to cease contacting me, or send me the information so I can add it to my police report if the report is still active. I received neither, simply more harassing calls claiming to be from two different companies for the same debt. Several times I've been given my own social security number over the phone which is both illegal and makes me very uncomfortable as my SSN has been in the wind since XXXX when it was stolen at my dorm.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX  XXXX XXXX Account Name : XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DEPT OF EDXXXX XXXX Balance : {$3100.00} DEPT OF ED/XXXX XXXX Balance : {$1600.00}
Product: Credit reporting or other personal consumer reports

Fraudulent and didnt give the okay to do XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX