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

To whom it may concern, I, XXXX XXXX, never gave ( Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following account : XXXX. Company Name : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX EQUIFAX MORTGAGE XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

I XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

I XXXX XXXX XXXX  XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

I didn't authorize this inquiries on my report. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the settlement amount, {$1800.00} ( total including {$13.00} processing fee ), to the collection account for XXXX XXXX XXXX on XX/XX/22. Experian is still showing the account balance is {$2400.00} even though it should be {$1800.00}. I disputed the error through their site which they rejected within a day of receiving. They did not conduct a thorough enough evaluation to see not only did the amount change but that it is paid and I have provided receipts as proof that it has been paid.
Product: Student loan

I am trying to pay off my loans. The math is not adding up between what I have paid where it was applies and what the remainder is. I have asked for a pay off letter and although I was given I do not agree. I have called several times since XX/XX/XXXX and still not getting someone to answer my questions. I continually get sent in circles and told that I should receive the document at the end of business. I am still waiting on several items that I was told on the XXXX that my document was in the system, I still have not been able to rectify the issue. 

made contact with them several times regarding the pay off amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my consumer rights. 

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

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act 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, it is my right to privacy.

Per the Security Exchange Act of 1934, the certificate of indebtedness once deposit any credit balance on the account over {$1.00} should be credited to I the consumer. As the consumer in this credit transaction, I can not be late on a balance due to me the federally protected consumer. I have not received my check. 

Stating the consumer owes a debt that the financial institution agreed to discharge is a violation of oath by the trustee and their fiduciary duties.
Product: Credit reporting or other personal consumer reports

Multiple dates- requested debt verification for collection account through XXXX, XXXX, and XXXX. All came back within a day or so as verified even though nothing was received in mail or showing validation of debt. This has been continuous over the last few months. 

XXXX XXXX XXXX and XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX and XXXX
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I have discovered fraudulent hard inquiries on my credit report, they are XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | INFORMATIVE XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, please remove these hard inquiries as they are fraudulent.
Product: Debt collection

I opened XXXX XXXX XX/XX/27 at XXXX XXXX XXXX XXXX  center in XXXX XXXX, IL because they recommended it. I was completely rushed through the entire process because the tire shop was 10 minutes to closing and wanted me gone. I was not explained much, was told that I would have no interest before the 90 days. XXXX XXXX has been charging me XXXX a day! My balance started at XXXX now its XXXX even with payments being made on time. I can never get caught up because when I make a XXXX $ payment only about XXXX $ of that actually goes towards the balance. My interest rate is 194 %. Easy pay also likes to tack on returned checks and pretend that was the case so that they can tell you they are adding an extra XXXX $ for it being returned. Infact everytime I make a payment it just goes to interest and thats it. I have called several times and I always get a horrible answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX  Account # 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

Wells Fargo was attempted to collect a auto debt that originated from my social security card in a consumer credit transaction with XXXX XXXX XXXX. XX/XX/XXXX I sent Wells Fargo Auto a cease and desist, Affidavit of truth and a invoice for civil remedy. Since then Wells Fargo auto has continued to communicate with via an invalidated debt on my consumer report. My affidavit that I sent to them on XX/XX/XXXX went unrebutted for more than 30 days. 

On XX/XX/XXXX Wells Fargo Auto contracted XXXX XXXX XXXX to illegally reposes my XXXX XXXX XXXX even though they have not rebutted my affidavit and I do not owe them anything. I contacted XXXX XXXX XXXX and told them I have a cease and desist against Wells Fargo Auto and my vehicle was illegally repossessed, I demanded they return my stolen property and they said they acted on orders from Wells Fargo Auto and the only way they could release the vehicle to me is with consent of Wells Fargo Auto. 

Wells Fargo Auto executive department has since not returned my calls and they have not given me any information to retrieve my stolen property.
Product: Credit reporting or other personal consumer reports

I have attached an FTC report with a fraudulent auto account and fraudulent unauthorized inquiries. This is my 4th attempt to resolve these credit issues.
Product: Credit reporting or other personal consumer reports

i recently check my credit report and notice some items that wasn't mine so i sent a identity theft report to all 3 CRA 's ( XXXX, EQUIFAX, AND XXXX ) REQUESTING THEM TO BLOCKED AND DELETE THE ITEMS FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS REQUIRED BY LAW. THEY HAVE VIOLATED THE FCRA BY NOT BLOCKING NOR DELETING THEM WITHIN THE TIME FRAME. 

I HAVE ATTACHED THE COPIES BELOW FOR YOUR REFERENCE
Product: Credit reporting or other personal consumer reports

I sent a letter onXXXX XXXX XXXX to remove this items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have made several attempts via certified letters to Conn 's ranging from XX/XX/XXXX to XX/XX/XXXX to resolve the incorrect information that is being reported on my credit report. Currently, the account has been updated to charge-off status with a balance of {$220.00} being listed. This information is incorrect, as well, as the first date reported of the account being delinquent. I wish to have this account deleted from my credit report as it is showing inaccurate information and causing great difficulty for me in obtaining credit and proving good credit worthiness.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. This has cause me great anxiety, stress, and financial hardship.
Product: Credit reporting or other personal consumer reports

Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : 1. XXXX XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$940.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor XXXX XXXX did the inquiry on my credit without my knowledge.
Product: Debt collection

On XXXX at XXXXXXXX XXXX XXXX XXXX via phone I called spoke with a XXXX XXXX requested credit card agreement guide, XXXX transferred call to a XXXX XXXX XXXXXXXX XXXX. requested all copies of documentation related to my account including credit card agreement guide, request contact by mail only. 
On XXXX via phone I called and spoke with a XXXX XXXX XXXXXXXX XXXX Requested Credit Card Agreement Guide and explained to her this is my second request, I explained to her " I know what my rights are per FDCPA, I explained to contact me by mail only she asked about email and I stated by mail only, she agreed and stated they will mail. 
On XXXX I received a white large envelope a total of XXXX pages included the Bill Of Sale and XXXX credit account summary statements, no card agreement guide. 
On XXXX received a thick packet everything but the card agreement guide contract, I never received from this debt collector Portfolio Recovery Associates. I downloaded the credit card agreement guide from paypal the original creditor, I was asking to for it to educate myself about arbitration. I requested to demand AAA Arbitration and submitted the request to Portfolio Recovery and to their attorney office XXXX XXXX XXXX XXXX XXXX on XXXX at XXXXXXXX XXXX and on XXXX I spoke with XXXX XXXX to obtain contact and mailing information and I informed him I am demanding arbitration. They have violated the credit card agreement guide and served me a summons in XX/XX/XXXX. They have violated my rights and being deceptive not mailing me the agreement guide and serving a summons when they were made aware of my request made to XXXX requesting to demand arbitration. Is there any advice you can give me to help me with these deceitful practices, I recently came across an article published on XX/XX/XXXX about this company.
Product: Credit reporting or other personal consumer reports

Hello, I am requesting an investigation into these accounts, as there appears to be confusion about their accuracy on my credit report. These accounts were removed previously but have been added back without my awareness. I was not notified of their return and have not received any mail regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following account on my credit report due to a recent data breach in which my personal information was compromised. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following account be permanently removed from my report to protect me from potential fraud : Account to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 sent letters to company requesting validation of the debt on the  XXXX  accounts that they claim I owe. DirecManagement a letter stating that they did not have no responsibility in responding to my letter. When I contacted them by phone the representative threaten me about my credit report.
Product: Credit reporting or other personal consumer reports

In response to XXXX correspondence pertaining to inquiries, please see attachment. 

XXXX is in violation of 15 USC 1681b
Product: Money transfer, virtual currency, or money service

I had a 2nd venmo account attached to my daughter 's phone number which is XXXX. I signed her up for a teen account attached to my venmo account which is XXXX and it said i need to close one account. The account XXXX needs to be closed and $ $ transferred to me or simply transferred to the teen account. The teen account could not be opened because they said it was tied to another account. I can not even access the other account. It has over {$200.00} in account with no way of accesing the account. Help!!!
Product: Mortgage

Amerinational Community Services Inc., XXXX XXXX XXXX, XXXX CA XXXX is not only a fraudulent company but also the loan servicer for the City of XXXX XXXX, CA who is the second lien holder on my mortgage which was refinanced on XX/XX/XXXX. The City of XXXX XXXX had earlier on modified my loan balance from {$30000.00} to the new balance of {$35000.00} with payment due on XX/XX/XXXX way back in XXXX due to the job loss I had when I was unable to keep up with payment. The modified balance was {$35000.00} taking into account the missed payments and late charges at the time. 

At the close of the refinance escrow on XXXXXX/XX/XXXX, I noticed from my closing statement an extra late charge of {$620.00} including the total pay off balance of {$36000.00}. I contacted Amerinational Community Services Inc., the moment I noticed the extra charge on XX/XX/XXXX to request for the refund in escrow of the {$620.00} and they refused. I had since XX/XX/XXXX been calling them since but to no avail. Could you please help me to recover my {$620.00} from these fraudsters called Amerinational Community Services Inc. Thanks.
Product: Credit reporting or other personal consumer reports

I never received a 30 day opt out notice per 12 CFR 1016.7. Nor was I given reasonable opportunity to opt out per 12 CFR 1022.24. Per 15 USC 1681a ( 2 ) ( A ) ( 1 ) reporting transaction history is ILLEGAL. 15 USC 1682b ( c ) ( 2 ) states written instructions of the consumer are needed. Provide me with the written instructions given that gave permission to use my information. 15 USC 1681c states no derogatory remarks besides convictions of crimes shall be reported. 12 CFR 1022.3 defines IDENTITY THEFT as a fraud committed or attempted using the identifying information of another person without authority. 15 USC 1681n explains civil liability for willful non compliance which per my first complaint, has not been followed. ( B ) details the monetary penalties at {$1000.00} per violation with and damages included as I have been denied credit. 15 USC 1681o is civil liability for non compliance. Next reports are going to the FTC, CID, FBI for non compliance, unauthorized use of non public personal information, and miss-use of said information. I also want a copy of my complete credit file not an E-oscar report.
Product: Credit reporting or other personal consumer reports

You are reporting inaccurate information for account XXXX. The collection agency XXXX XXXX XXXX has failed to verify this account. The original creditor stated that the account was furnished with an activity date of XX/XX/2023. The balance reporting is also incorrect. I have attached the final account statement from the original creditor showing the activity date and balance. Furthermore, this account has is in a payment plan with the original creditor. I do not owe this alleged debt to this collection agency that is furnishing incorrect information. The credit bureaus are also at fault for reporting false and misleading information. Please remove this inaccurate account from my credit report immediately.
Product: Credit card or prepaid card

XX/XX/XXXX Open dispute complaint against vendor for refund of merchandise. Tried to work out with vendor prior. 
XX/XX/XXXX Received correspondence that complaint was closed as I still had merchandise. No further instructions given XX/XX/XXXX Advised bank that merchandise return along with proof XX/XX/XXXX Bank advised that I had until XX/XX/XXXX to respond. XX/XX/XXXX, did not advise of this. Thus my account was rebilled and no refund issue. Bank advises that case is closed
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped over 100+ points basically over a couple of days. There was, is no activity to justify this but illegal tampering with my credit scores to and credit my report. I believe someone has illegal tampered with my credit scores.I would like an investigation done and my credit scores to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

609 ( A ) ( 1 ) Dispute Letter : I wish to dispute the following information found on my XXXX/Equifax/XXXX  credit reports . 

( Dispute 1 ) Account Information : XXXX  XXXX & XXXX XXXX XXXX Description of Dispute : These accounts are not mine and I did not seek to apply for new credit cards. I do not recognize the accounts that appear on my credit report.

( Dispute 2 ) Account Information : XXXX  Description of Dispute : Late payments have appeared on my credit report regarding my student loan balances for over 6 years without any acknowledgment of addressing the error. I've attempted to contact the loan service provider on numerous occasions and was told that the error would be corrected as it was a system glitch. Nothing has been done to move forward with a resolution, so I've attached a copy of my most recent credit report to dispute the discrepancy. 

I'm asking you to investigate these errors and remove any information that can not be verified. Please notify me in writing of your findings and any action you have taken within 30 days of your receipt of this letter. 

I am enclosing a copy of my credit report. Thank you for your help. 

Sincerely, XXXX XXXX