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

I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, these accounts and inquiries were added without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be immediately blocked and removed. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Student loan

Premier Student Loan Center was a third party company that called me about student loan forgivness. I jumped on the idea as I had heard about it and was struggling to make payments. The company told me I had to pay a fee to enroll and then I would have to pay just XXXX dollars a month for 20 years which would cover my loan, totalling at around XXXX total. as opposed to XXXX and change. Apparently, they were going to lie about my income to have my loan not be paid at all. Meaning they would report I make so little that my payments would actually be zero ; that is until my income is shown to be more, in which case I would start to pay my loan back again, while still paying them the total of XXXX over 20 years. 
Originally I was told that the XXXX was to pay off my loan. This is incorrect because the company gets 100 % of that money. While my loan would 've only been deferred until I show that I make more money, in which case intrest would still be growing on the loan, etc, etc. 
It was false advertisement and In the long run I would 've paid the XXXX and change plus the XXXX to premier student loan center. Which is no way to help a student forgive their loan.. Pretty messed up if you ask me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX To Whom it May Concern : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

As of XX/XX/2018. I received a collection account on my credit report from a collections agency called Diversified Consultants Inc. the  original creditor is XXXX and the balance is for {$4800.00}. It stated that this account is from XX/XX/2018. Ive never done business with XXXX or had any cellular service with them. Ive disputed this with XXXX and XXXX when this account was with another agency and it was deleted from my credit report. Ive even asked for validity of debt when it was with he former agency and received nothing. I simply want these agencies who are reporting this fraudulent account to my credit to stop collection attempts once and for all. Its causing issues with my near perfect credit history and just a big headache overall
Product: Debt collection

Complete credit solution account XXXX opened XXXX. I never received proper notice of my right to dispute.
Product: Checking or savings account

My XXXX son checking account experienced fraud via atm w/d in XXXX Fl we live in XXXX ; we called BOA the first fraud claim was mishandled and not file correctly so 5 days later I had to call back and re-file the claim also request for the {$15.00} rush card fee to be reimburse that had not been reversed as promised. I also asked for provisional credit since my XXXX  son was not in XXXX and had his card in his possession the entire time. I call today XX/XX/24 to follow up on the status of my sons claim and inquire about the ATM footage also offer to file a police report if needed and was told they could not provide me with information only to my son which is ridiculous since he is at school and again a XXXXyear-old XXXX and my name is on the account as joint account holder and the adult! Also, the representative slipped and stated they would take the provisional credit back XX/XX/XXXX because they said my son gave his card to someone, which is untrue since again only my son and me have access to his account and my son has the original debt still in his possession! I would like to mention that I recently left a XXXX career in the XXXX industry. Th representative did absolutely nothing to assist me resolving this matter and I find it disturbing as one of the largest banks in the United States. Let 's get back to taking care of people and doing things right in banking because without people placing their hard-earned money and applying for loans these intuitions would not be in existence especially in today 's world of up-and-coming XXXX companies. I WILL bring my complaints to media, our local government and state gov along with the state of XXXX banking commissioner office. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! I changed my name legally in 2016, and I provided the credit bureaus ( XXXX, TransUnion and XXXX ) with my court ordered name change via certified mail. I have been trying to apply for apartments with people asking why isn't not pulling up. I have even been declined a prepaid Visa credit card due to this and it's ruining my life. I went to the Social Security office in NYC and they told me that I should report the credit bureaus. I am credit invisible. Please help!
Product: Mortgage

I received a letter from Wells Fargo that my insurance had elapsed in XXXX. I contacted them that day and they said it was sent in error and to disregard. This same thing happened for 3 months I called and they said to disregard the letter each time. The 4th time when I contacted them again they acknowledged the previous calls but now realized it was the flood Insurance not homeowners. I said I would contact my insurance agent right away and have it put back in force which I did they then sent me a bill from the insurance company they own asking me to pay {$1600.00} for the 3 months which had already passed. I never heard of getting insurance for a period of time that had already passed. They told me each time I called that everything was fine but in a money grab they wanted me to pay the cost of a years worth of flood Insurance for 3 months lapse caused by them saying the letters were sent in error. This bank has a terrible reputation for ripping off consumers.
Product: Credit reporting or other personal consumer reports

need your help regarding this incorrect account listed on my credit report. Ive brought this to your attention because its harming my reputation, and I need your support. Your poor management of my credit report has brought me significant trouble, and your inaccurate reporting has damaged my reputation. You need to correct these mistakes so I can live peacefully with my family.
Product: Credit card

I didnt open said card. My name was on it and it was used without my knowledge. It had taken my credit down tremendously
Product: Credit reporting, credit repair services, or other personal consumer reports

Hunter Warfield is reporting into XXXX XXXX inaccurate information that was removed from my XXXX report due to Identity Theft in XX/XX/XXXX and XX/XX/XXXX. I was denied housing on Friday, XX/XX/XXXX due to false credits reporting by the aforementioned into XXXX and I promptly contacted Hunter Warfield. They advised Accounts # XXXX XXXX XXXX XXXX {$490.00} # XXXX Commons of XXXX XXXX {$150.00} # XXXX XXXX XXXX Apartments {$180.00} were marked as Identity theft fraud but were still showing up in rental history databases. I asked for a prompt deletion and removal from all databases.
Product: Debt collection

This company sends me a notice demanding payment within 30 days but does give me any information other than the name name XXXX XXXX XXXX. Why is a Texas collection agency trying to collect from someone in Alaska? I have never heard of XXXX XXXX. I demand validation, not just verification. I demand to know who XXXX XXXX is, I demand to see any contract I have signed with this company within 7 days or you will agree to cease and desist. Yes, you do have to validate this debt as requested. Please be advised that upon request I will give this collection agency an attorneys information so that they can directly deal with the law firm.
Product: Debt collection

They have called me Monday, Tuesday, Wednesday, and Thursday so far this week. I do not pick up the phone as this does not pertain to me and is solely the business of the person it does pertain to. They also reached out to my mom, who is not a relative of the person that they are trying to reach. They explained to her that it was for me and that they had my contact info and hers down for my correlation with Northern Hills Collections, although they were not looking for me, it was for someone else.
Product: Money transfer, virtual currency, or money service

I bank with U.S. Bank, and my XXXX was closed after I got XXXX. The bank allowed me to open a new account, but ever since, I've had multiple issues logging in. I've called the bank around XXXX times and even visited a branch in person, but the issue remains unresolved. Every time I ask for help, they repeat the same message, claiming they've fixed the problem, but nothing changes. 

I'm about to start XXXX and urgently need access to my XXXX  to purchase XXXX XXXX, but the bank 's lack of support is making this impossible. Even after filing a report, they haven't properly reviewed my XXXX. I'm extremely frustrated with the situation and need this resolved as soon as possible.
Product: Credit reporting or other personal consumer reports

I have had the same loan with XXXX XXXX  for 20 years. I have always submitted the payment via bank bill pay, on time and with additional principal payment. The payment was submitted to the same address for 20 years. XX/XX/year> the bank received payment of {$1500.00} for XXXX mortgage payment. This included the regular monthly payment of {$1100.00} plus additional principal of {$390.00}. The bank instead of correctly applying these amounts, instead applied the full payment to the Escrow account. I did not receive any notice or call from the bank and by chance discovered the mortgage was past due. I immediately contacted the bank to find out what was going on. They discovered the error and correctly applied the payments. I was not given any explanation as to why this occurred. 

On XX/XX/year> the bank received {$1500.00} payment and applied this payment to escrow account. Again, I was not notified of the late payment due status due to the misapplication of the funds. I contacted the bank in XXXX to again let them know of the incorrect application of funds to the escrow account. This was corrected but I was still not informed as to how/why this was occurring.

Subsequently, I was traveling for a month or so. I received notification from credit monitoring agency that there was a change in my credit score. I immediately checked my report to discover that XXXX had reported my loan as 2 months past due and my credit score went from mid XXXX 's to mid XXXX 's. I immediately pulled up the account and discovered the both {$1500.00} payments received by the bank on XX/XX/XXXX and XX/XX/XXXX were misapplied to the escrow accounts. I did not receive ANY notice written or phone call from XXXX before the negative information was reported to the credit bureaus, a violation of the Fair credit Reporting act. I requested an explanation as to why I wasn't notified, why this error by the bank was repeatedly occurring and why they have not fixed the problem. I have been in the process of looking to purchase a new home and this has severely impacted my ability to purchase a new home due to the negative credit score information reported by XXXX. 

I have requested a letter of explanation but have not received any written correspondence and they have not corrected the false negative information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.

Under 15 USC 1681 ( a ) congress defines a consumer report as the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ..... 
Understand that by this law, Transunion is included because you provide this consumer report and you are a consumer reporting agency! Under 15 USC 1681 ( 2 ), it also mentions exclusions pertaining to consumer reporting. I am quoting directly from congress so understand that your reporting is a federal violation based on laws put in place by congress.

15 USC 1681 ( 2 ) i excludes the reporting of report containing information solely as to transactions or experiences between the consumer and the person making the report.

The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
All of the companies listed below are CORPORATIONS as defined by congress as a person Therefore the transactions between the consumer ( me ) and these corporations should not be on my consumer report under FEDERAL LAW! You are in direct breach of the federal laws put in place to protect the consumer.

I will not be violated any longer and will seek legal action and monetary compensation for the adverse actions taken against me if these accounts are REMOVED IMMEDIATELY. 

XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX
Product: Mortgage

Rocket Mortgage pulled my credit without consent and now refuses to reverse the inquiry and will not share the many voice recordings justifying my claim. I was told by XXXX XXXX and XXXX XXXX that it would cost Rocket " XXXX  of dollars '' to reverse the inquiry. 
I have reached out to XXXX XXXX ( General Counsel as least 12-20 times with no response
Product: Credit reporting or other personal consumer reports

I'm writing to alert you about fraudulent personal information linked to my identity. Multiple accounts and transactions have been wrongly attributed to me without my knowledge or approval, causing me considerable XXXX. I've fallen victim to identity theft and have already reported this incident. This situation demands immediate attention, as it has negatively impacted my financial stability and personal standing. I request your assistance in swiftly removing all fraudulent data from my credit report and conducting a comprehensive investigation into this matter. I stand ready to provide any necessary evidence and, if required, initiate legal proceedings to protect my rights and seek appropriate compensation. Your immediate response to this critical issue is greatly appreciated.
Product: Debt or credit management

Starting in XXXX of XXXX, XXXX XXXX XXXX ( part of Strategic Financial Solutions ) began collecting substantial fees from me, not admitting to me as a consumer that any settlements with creditors will take months to secure. XXXX XXXX front-loaded fees leaving me, the consumer, with little money for any such potential settlements. As a result, I regularly paid into the de They made a debt plann with the smallest settlement ( apx {$1300.00} ) with one creditor, and they collect a significant amount of fees every month. The settlement was the original amount due prior to my contract with them. In XXXX XXXX, I exited the program having paid substantial fees, but with none of my debts settled or reduced. In the end, I had accrued more debt through their " services '' than I started with, my credit scores decrease substantially, and I ended up getting sued by creditors. 
According to their contract ; they were supposed to represent me if I got a court summons/trial.They broke the contract when they did not even assist to answer the summons; dodging my mny calls, emails, " contact us '' webpage, etc ....
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXXXX/XX/2023 XXXX XXXX XXXXXX/XX/2023 XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In the spring of last year I received a business call from Citizens Bank ( RSBC ) in the evening to discuss student loan refinancing options. After briefly discussing my options and potential loan amounts, the customer service representative said they would have a specialist in their student loan department contact me at a later date. After the call I decided I did not want to pursue refinancing with Citizens Bank. Upon review of my credit report this year ( free credit report requested from XXXX XX/XX/XXXX ) I saw that Citizens Bank pulled hard credit without my permission on XX/XX/XXXX.
Product: Mortgage

on XX/XX/2017 we paid our mortgage by mail and personal check to Wells Fargo for XX/XX/2017 house payment. on XX/XX/2017 we receive our mortgage statement from Wells Fargo and it was for XX/XX/2017 which we promptly paid and verified the check was cashed by Wells Fargo. While discussing the issue with my wife Wells Fargo cut her off. She called again the same day ( XX/XX/2017 ) and she got hold of XXXX ( no last name given ). He acknowledge that the house payment was received and the check cashed by Wells Fargo. His explanation was " oh well they just sent you a duplicate ''. YEAH RIGHT.
Product: Debt collection

On XXXX/XXXX/15 my husband received XXXX services through XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX billed us for the remaining balance after insurance paid their part. We had had prior experience with XXXX XXXX XXXX billing us for amounts that should have been settled through insurance. On XXXX/XXXX/15 I spoke to a person at XXXX XXXX XXXX who said the bill should be sent for adjustment and we should not pay while this was being done. We did not hear from them again. On XXXX/XXXX/15 we received a letter from Professional Credit Services saying the bill had gone to collection. We became concerned about our credit rating and paid the bill to PCS that day. When I called XXXX XXXX XXXX on XX/XX/XXXX they told me they had not sent the bill to PCS or any other debt collector but would look into it. I did not hear back from them. On XX/XX/XXXX we received a bill from a second collection agency, XXXX XXXX, for the same amount. XXXX XXXX XXXX now tell me they did send the bill to XXXX XXXX. It appears that they never did send the original bill for adjustment, nor did they attempt to re-bill us before sending it to collection. PCS tells me they did not buy the debt but had it sent to them by XXXX XXXX XXXX. They also say they paid the full amount to XXXX XXXX XXXX as soon as we paid the bill, on XXXX. XXXX XXXX XXXX claim they do n't have the money. Meanwhile, XXXX XXXX XXXX think they have a right to collect this money. We are very concerned about what having this debt looking like it is outstanding will do to our credit rating. We are also wondering where the money we paid to PCS has gone. I have spent a lot of time on the phone trying to address this, and would very much appreciate your assistance!