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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX Re : Delete on Credit Report Im wiritng to request to remove the fraudulent I noticed this problem XXXX, XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charges or apply for Credit. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

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

When I reached out to dispute, their was no response and it still appears on my credit report. I disputed it through XXXX  XX/XX/2022.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX, XXXX, we entered into an agreement with Mosaic ( and XXXX XXXX  ) to have an XXXX XXXX XXXX  ( XXXX  ) built in our back yard, with Mosaic providing financing for it. The contract did not progress. Mosaic released funds to XXXX. But after 16 months, no work was done, and XXXX did not respond to our phone calls and e-mails. We e-mailed Mosaic in XXXX, XXXX, and they told us to provide documents and a photo of the ( untouched ) construction site, and we did so ; Mosaic said they would start a fraud investigation of XXXX. Since then, we have made numerous requests for status from Mosaic by phone and e-mail, which went unaddressed, the last of which was on Monday, XX/XX/XXXX. We were assured in no uncertain terms that we would be called ( at any of 3 phone numbers we provided, and 2 e-mail addresses ), within 72 hours, which would have been Thursday, XX/XX/XXXX. We have received no further communication from Mosaic.
Product: Checking or savings account

As of XX/XX/year> my account has been restricted and the company refuses to help me or tell me anything at all about what to do to fix my account. If they aren't hanging up on me then they are talking me in circles. The only thing they tell me is that they're waiting for account activity to come back before they can review the restriction but it's been almost a year and they still haven't reviewed my account. I have called so many times but to no avail. No actions have been taken by the company which is why the account is still restricted.
Product: Debt collection

This complaint is in regards to the Enforcement Action taken by the CFPB against XXXX and Portfolio Recovery Associates, and is being made on behalf of my mother for whom I have power of attorney. 

Background : Portfolio Recovery purchased Debt that was beyond the statute of limitations under Louisiana law. In connection with their attempts to collect this debt, Portfolio Recovery made excessive phone calls, threatened to file a lawsuit and ultimately filed XXXX judgments against my mother. Copies of these judgments can be provided if needed. 

Paragraph XXXX under XXXX XXXX of the Consent Order XXXX XXXX XXXX. XXXX ) signed on XX/XX/XXXX, reads as follows : '' For the judgments obtained during the Relevant Time Period from Time- Barred Debt Collection Lawsuits that have yet to be paid, expected to total approximately {$3400000.00}, Respondent must within 90 days of the Effective Date : a. Withdraw, dismiss, or terminate all pending Time-Barred Debt Collection Lawsuits ; b. Release or move to vacate all judgments obtained during the Relevant Period in Time-Barred Debt Collection Lawsuits ; c. Cease post-judgment enforcement activities and cease accepting settlement payments related to any Time-Barred Debt Collection Lawsuit ; d. Request that the consumer reporting agencies amend, delete, or suppress information regarding any Time-Barred Debt Collection Lawsuits, and associated judgments, as applicable. " According to the Consent Order the following terms should be noted : - '' Debt Collection Lawsuit '' means any lawsuit filed by Respondent, or on behalf of Respondent by a Law Firm, against any Consumer for the purpose of collecting any Debt. 
- '' Relevant Time Period '' means the period from XX/XX/XXXX to the Effective Date. 
- '' Respondent '' means Portfolio Recovery Associates , LLC and its successors and assigns. 
- '' Time-Barred '' when used to describe a Debt means any Debt that is beyond an applicable statute of limitations for a Debt Collection Lawsuit. " In reviewing the Consent Order, I believe the judgments filed against my mother are part of the Enforcement Action and therefore should be released. She has not received any communications from Portfolio Recovery regarding their actions in response to this Consent Order, which should have been made within 90 days from the effective date ( XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX are reporting wrong information in my credit report that are negatively affecting me and preventing me from getting approve for credit. 

My student loans were consolidated on XX/XX/2020, paid in full and closed of out of XX/XX/2020. And thats work the student loans accounts I had with XXXX/ department of education . 

I received a notification from transunion stating that my credit report had been updated. When I looked they reported the student loan accounts twice with the status of open and paid as agreed I had submitted several times online and via regular mail copies of the paid statement balance And receipts that XXXX department of education provided me stating that the accounts are closed and paid in full ; so that they can update the student loan accounts as Paid in full and close but they refuse. I had been told 3 times that they never received the documents even thought I had mailed thru certified mail and the tracking indicates that it was received. 
Right now my credit report is showing that owe {$150000.00} in student debt and that is not correct
Product: Vehicle loan or lease

Regard : Account Number XXXX, and Account Number XXXX ( Consolidated ) Hi Dear Sir/Madam, 1. The lease of the XXXX Kia XXXX is INVALID.

2. Kia Motor Finance ( hereinafter " KMF '' ) knows the lease agreement of XX/XX/XXXX, is not valid. Please see my attached fax of XX/XX/XXXX, to KMF. 
3. However, KMF committed many crimes to enforce the invalid lease.

4. Furthermore, KMF reported fraudulent information to all the credit reporting agencies and severely damaged my

credit score. 5.
Therefore, KMF must withdraw all its fraudulent reporting to all the credit reporting agencies and others, if any.

6. Please see my attached documents that show KMF admitted the information in my faxes since before my XX/XX/XXXX, to KMF USA. 7. KMF never responded to my faxes or to my two cases against XXXX Kia of XXXX, Illinois. 
Furthermore, I have faxed my XX/XX/XXXX, settlement offer to KMF USA, and Kia Motors in XXXX XXXX XXXX as follows : A. On XX/XX/XXXX, KMF USA Repossession received my Partial Settlement Agreement and the Exhibit at XXXX ( XXXX ) XXXX. Please, see attachments. 
B. On XX/XX/XXXX, Kia Motors XXXX XXXX XXXX received my Partial Settlement Agreement and the Exhibit at XXXX. Please, see attachments. 
Note : XXXX and XXXX are also involved in damaging my scores because they did not give me the option to upload my documents, the attachments here, in my dispute against KMF furthermore, they do not give me a copy of the response of KMF, if any.
Product: Credit reporting or other personal consumer reports

Someone open a credit card in my name in 2017, I didnt find out about this till I got my free credit report and I disputed it and its still on my credit report as charged off, I never open this account nor do I know anything about this account or this company
Product: Debt collection

I have multiple accounts on my credit that were not opened by me, i have told the a few of them and also filed identity theft and have not heard but nor was it removed from my account. 
I have froze my credit account and within the law of FCRA it should be removed. I tried to do a sweep and my items were still not removed within XXXX days under section XXXX I will attach the accounts below Account XXXX XXXX XXXX XXXX XXXX  XXXX accounts XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CREDIT WAS PULLED WITHOUT MY PERMISSION AND ACCTS ARE LISTED THAT I HAVE NO RECOLLECTION OF. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MERCEDES BENZ FINANCIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MERCEDES BENZ FINANCIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Axos bank is denying my application for an account and citing XXXX as the reason. I have obtained my report from XXXX and there is not a single derogatory item in the report. XXXX is refusing to tell me why they will not approve me to open an account.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX both my XXXX XXXX XXXX XXXX XXXX XXXX XXXX where deleted off my report and it isn't accurate at all, I am still paying these two loans and it is negativity impacting my report as well as the persons name whom is also on the credit report ( XXXX XXXX ). I would like these to both be put back on as it states accurately from my credit report from my lawyers office.
Product: Credit reporting, credit repair services, or other personal consumer reports

Three Fraud Student Loan accounts and Inquiries appearing on my credit report appearing on my credit. 

XXXX. XXXX XXXX. XXXX XXXX. XXXX
Product: Credit reporting

Incorrect reporting on Experian credit report. XXXX and XXXX have all payments on time. Experian does not updated or send method of verification when asked. Also does not updated no late payments. There are no late payments but they report late payments and are interfering with my home buying process report untrue data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email XXXXXX/XX/XXXX, saying that a debit will me be made from my account in the amount of {$370.00}, please ensure that you have funds available to cover this debt. The loan was taken out on XX/XX/XXXX from someone else. I contacted Cash Center and they told me this was the 6th loan taken out, I explained to them, I do not have or ever had a XXXX XXXX  card, which they applied the loan to. So they told me that I would need to fill out the Identity Theft Victim 's complaint, which I did then I asked them about the other loans, the woman XXXX  told me since it's a fraudulent loan they could not give me the information about where the money or how the money was funded. I do have the dates of the other loans. I have filed a police report and have XXXX and contacted the IRS and IdentityTheft.gov. Now I am filing a complaint with you. What kind of business puts money on a card, which is not affiliated with a bank or has a bank account, checking or statement. I do not have a bank account, have not in the past 4-5 years. Not sure how they got my ss, I know with the XXXX breach. I have gotten more emails from Cash Central/Choice Financial that the debit did not go through, and have put added expense on the amount. I am very upset about this and having to jump through all these hoops for something someone else has done. The other dates areXX/XX/XXXX {$350.00}, XX/XX/XXXX {$350.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX{$350.00}
Product: Mortgage

Dovenmuehin mortgage company in not posting my payments on time to get late fess from me. I call and as them why they did not cash the check they never got them. After I sent them with video proof. And now there are trying to raise my payment on a XXXX XXXX  XXXX XXXX a month and saying I am more behind then what I am. I have recorded all calls and this is stopping me from a refinance. And cosing me time stress and loss of money
Product: Credit reporting or other personal consumer reports

On XXXX, I received a credit alert about a hard inquiry from Barclay 's Bank. I immediately froze my credit through XXXX as they were the ones reporting the inquiry. 
On XXXX I called Barclay 's Bank and they said they do not see an application on their end and I should call XXXX. I immediately called XXXX and they saw an application submitted on XXXX. I have not applied for any credit. They gave me an old address that was used on the application and a phone number that I do not recognize. They told me to fill out the FTC.Gov forms to fix this and remove the fraudulent inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX 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.
Product: Debt collection

This was at a managed rental property where I was being harassed by a neighbor because of my XXXX. After several calls to the local police the property management told both of us that if one leaves they would not hold us to the remainder of the lease. Being the newer tenant I took that offer but did not ask for it in writing, trusting their verbal agreement. Several months after finding a better place they claimed through a collection agency that I owed them for the remaining months I did not live there and several weeks before even moving out posted an eviction notice at my door from the local Sheriff 's office despite never having a notice to appear at court. I discarded it because I was planning on moving out any way. I contacted the collections, dba " Hunter Warfield Inc. '' that referred me to management dba " XXXX XXXX XXXX " that just referred back to collections. I even noticed reviews on apartmentratings.com that this was a common practice by this property management.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all incorrect information on my credit report with Equifax that is hindering my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifaxed leaked my data due to their negligence, and I have to pay {$30.00} to freeze my credit to protect myself from their mistakes. I will have to pay again to unfreeze. Equifax needs to be liable for all individual 's whose data was leaked.
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. 

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Mortgage

XXXX XXXX XXXX sold my second mortgage to Green Tree/Ditech financial while I was applying for a mortgage modification. Thus I was unable to have my second mortgage reduced or eliminated under Federal guidelines. Ditech, knowing this was the case has refused to negotiate in good faith.
Product: Debt collection

PNC BANK HAS REFUSED TO PROVIDE ME WITH REQUESTED DOCUMENTS REPEATEDLY AND CONTINUE TO HARASS AND TEXT ME ABOUT AN ALLEGED DEBT I DO NOT OWE. THEY ARE ALSO REPORTING THE INFORMATION TO THE CREDIT REPORTING AGENCIES. 

THEY ARE IN VIOLATION OF THE TCPA ACT.
Product: Debt collection

XXXX XXXX XXXX representative essentially stole our " trade-in '' phones without the company every providing the agreed upon service discounts. We attempted to resolve with the company over several months. We finally terminated services and the account was turned over to collections. We disputed the account directly with XXXX XXXX XXXX and the collection agency. XXXX XXXX XXXX offered to remove the collection in exchange for a release of their liability. After agreeing to this resolution, XXXX XXXX XXXX never sent the release and simply transferred the debt to a different collection agency ( AFNI ). In every way, this organization has acted in bad faith from the service initiation more than two years ago until the present day. We have spoken with several XXXX XXXX XXXX representatives who acknowledged that they have heard of similar situations of people being " screwed '' ( actual XXXX XXXX XXXX employees ' words ) by home representatives ( that come to your home when you're having services installed, e.g. internet/VOIP, and upsell additional services ).
Product: Debt collection

Hello : I am writing this letter because there is a big mistake on my credit report. I am specifically asking for a legal debt validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA for the following account : DIVERSIFIED CONSULTANT {$1500.00} Collections ( XXXX ) The collection company has failed to legally verify and validate this debt despite my many attempts to contact them. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item and prevent them from re-inserting this item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to a speedy resolution of this matter. 

XXXX XXXXSSN : XXXXDOB : XXXX
Product: Debt collection

I am writing to formally dispute and demand the immediate deletion of fraudulent accounts associated with my name and personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Optum Bank has been charging me {$3.00} for account " service charges '' for my former company 's HSA savings account from XXXX of 2023 to current day without my knowledge. I would like to file a complaint to get them to be more transparent to their customers as to what will happen if their account is no longer serviced by an employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second instance where I am challenging these entries on my credit report, yet no concrete actions are being taken to rectify the situation. It seems as though a thorough investigation isn't being conducted ; instead, the items are simply being verified automatically.
Product: Credit reporting or other personal consumer reports

Hey, my name is " XXXX XXXX XXXX ", I have noticed that I have had hard inquires on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code 1681. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my XXXX Report. This law states that if you file a police report through the XXXX, it must be removed.