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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1.  COMENITYCAPITAL/XXXX XXXX XXXX XXXX, OH XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Product: Debt collection

Contacted AARGON AGENCY to validate debt, this debt is XXXX violation as I did not consent to my medical information or history being shared with 3rd party.
Product: Debt collection

I requested a debt validation showing me the original contract for the debt! You have not provided me with anything on this alleged debt! I have right to request this validation of debt!

I asked for 1 ) agreements that you have the authority to collect on this debt 2 ) agreements that bears signature of alleged debtor with promises to pay original creditors 3 ) complete payment history of this account to prove the amount you wish to collect is correct
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX  XXXX, WI XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Notice to Cease Communications Certified Mail TO : DISCOVER XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2018 RE : Acct. # s XXXX XXXX XXXX XXXX To Whom It May Concern, This letter is in response to the many phone calls I have been receiving from you concerning the above mentioned accounts. 
1. I am requesting DISCOVER to cease further communication with me by PHONE concerning this account. 
2. I am requesting DISCOVER to close this account Please DO NOT communicate further with me via phone with respect to these accounst. 
You are harassing me calling numerous times and leaving messages as I have a seriously ill individual who I care for and these numerous calls stress her. 
Pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act,, [ 15 USC 1692c ] Section 805 ( c ) : Ceasing Communication, you must stop all communication with me after receiving a letter that I no longer wish to communicate with you. Therefore, do not call me at home, at work, on my cell phone or any other phone. 
I am keeping a record of each call. I am requesting that you communicate with me only in writing. I simply wish you to cease all communication via phone calls. I do not admit or deny liability on the debt. I just want you to stop calling me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My issue is with Venmo. I have a personal Venmo and one for my small business. Neither account was used excessively. The business account, on average, handled {$200.00} a month in sales. The only payments I made from it was a monthly payment to an advertising company who handled our social media accounts. I stopped making payments to them several months ago. My personal account was mainly transactions between myself and my daughter who is in college. I would send her money each month for her rent and groceries. 

Both accounts have been permanently frozen. I asked why and they would not give me an answer. I am not running an illegal business, and I report all sales thru Venmo on my taxes. 

How can I resolve this if no one is willing to help me at Venmo? 

Sincerely, XXXX XXXX XXXX  XXXX, MO XXXX XXXX
Product: Debt collection

This debt isn't mine, this is fraud, someone ordered some stuff and had it shipped using my name ( XXXX XXXX ) I have notified and completed a fraud package and still dealing with this now with a different company. The address the company had on file I never lived at. This is NOT mine / DOESN'T BELONG TO ME.
Product: Credit card or prepaid card

i was reviewing my credit report and notice an inquiry for a XXXX store card on XX/XX/2022. a few days went by and i disputed the inquiry and it wasnt removed. i then disputed the inquiry 3 other times and it still remains. i contacted XXXX who then closed that account but never removed the inquiry from my equifax report. i explained to them that the person who opened the account lives in CA and that it was not me. im a victim of identity theft
Product: Debt collection

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature from Franklin Collection Services Account Number. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. I am also requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXXXXXX XXXX  Balance : {$810.00} ; XXXX XXXX XXXX XXXX XXXX : {$1600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Balance : {$630.00} ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXI Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I sent XXXX dollars on XX/XX/XXXX XXXX to my family in XXXX XXXX and after 3 days, they told that they cant reach my family account, them I ask for my money back, and today is XX/XX/XXXX and I try to contact them and I dont get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX signature Credit card account was open XXXX XXXX for the approve credit line for XXXX dollar. XXXX credit card is not report none on credit report XXXX, Trans Union and XXXX credit reports. I have sent faxes to all 3 credit bureau to dispute this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX Accounts : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct 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 602 A Section 2. It Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

I recently (XX/XX/XXXX ) received an application from Navient to discharge my student loans for the time I attended the XXXX XXXX XXXX XXXX from XXXX. I have already been approved for Borrower 's Defense for Discharge for any federal loans I had related to attending this school, however the vast majority of my loans were Private Signature Loans taken out and owned by Navient ( which I was coerced to take out at the time I attended XXXX ). My private loan balance with Navient is currently still over {$80000.00} for this education that has since been widely demonstrated to be a scam school and thousands of students have had their loans discharged because of misconduct on the part of the XXXX XXXX. 

I was denied by Navient for discharge of my student loans, with the only explanation being a vague letter stating that they reviewed my application but that I did not meet criteria ( they did not specify why ). I sent 100+ pages of evidence with my application for discharge - including clear evidence/screenshots of misconduct by employees from the XXXX XXXX- for instance, not following up/answering emails about my requests for job interviews, my hundreds of applications and denials of jobs for years following my graduation ( due to misrepresentation/false promises of job leads from the XXXX XXXX ), and the very low salary of jobs I finally did obtain years after graduation ( much lower than promised starting salaries ). I had to XXXX XXXX to make ends meet, and am still in great financial distress with almost a 70 % debt-to-income ratio because these student loans are hanging over my head. I did not receive any information as to why my application was denied by Navient and believe that these loans should be forgiven due to the harm that I have been caused ( and am still being caused ) by going to a scam school. I was coerced to take out private loans vs. other resources and know that this is partly due to the fact that XXXX XXXX schools had kickbacks from Sallie Mae/Navient ( this has been found to be true in various lawsuits ). I will be writing my state attorney general about this issue as well. 

I have attached part of the application I sent to Navient for your review as well - including the email I received for approval for Borrower 's Defense. I did not attach supplemental materials including lawsuits and other evidence supporting my claim that I included with my application to Navient.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent letters to all three credit reporting agencies with documentation. Including copies of my divorce decree, and Florida driver 's license with copies of my social security card. This information was a follow-up from previous information requested from all four parties ( XXXX credit bureaus, and XXXX XXXX XXXX. To date they continue to report inaccurate information on my credit reports. Today, I learned they are transferring the loan and I can have them complete a refinance of the loan to have my ex-wife qualify for a loan with me because they do not do this however XXXX does I can wait until XX/XX/XXXX when the transfer happens and have them attempt to reapply. My divorce was in XXXX, and looking at the XXXX XXXX XXXX XXXX website the deed of record was transferred on XX/XX/XXXX. The continue to request they remove all incorrect information however they continue to report inaccurate information to the credit bureaus while harming my credit rating. Today I heard from XXXX XXXX XXXX of XXXX who indicated they had all the documents sent to them on XX/XX/XXXX. I also have a tax overage according to the IRS as they are reporting incorrect information.
Product: Mortgage

In XXXX XX/XX/XXXX Insurance was paid in closing, instead of taxes. XXXX, XXXX  XXXX. 
Annual home owners policy amount on this location was {$2100.00}, with the pre-meditate point. 
That this will go up. So, Insurance increased to {$2600.00}. SO, XXXX RAISE MY PREMIUM TO $ XXXXANNUALLY I PAID IT. 
THEN XXXX XXXX I ARRANGE TO PAY MONTHY PREMIUM, COME XX/XX/XXXX XX/XX/XXXX NOTHING. 
SO I CONTACTED XXXX AGAIN, TO ASK WHAT IS HAPPENING WITH MY HOME OWNERS that's I SET IT UP TO BE PAID BY ME. 
YES YOUR MORTGAGE company PAID IT ALREADY. THERE ARE NOT AUTHORIZED! 
IAM THE ONLY ONE TO BE PAYING MY HOME OWNERS INSURANCE. 
YES, WE SEE THAT AND IT IS ON FILE. 
THEN WHY DID YOU EXCEPT A LOWER AMOUNT {$2600.00} THEN QUOTED ME {$3100.00}. As that's what I paid prior year XXXX. Because there on the deed! 
So, that's how XXXX a part XXXX XXXX, generates additional money by interfering while using other, XXXX and Carrington mortgage servicer. 
To cause additional fees and documents and the memorandum of 60 days, how ever they already stateing a debt they just transferred on the XXXX of XXXX. Carrington mortgage services sends me the corresponding paperwork on the XXXX of XX/XX/XXXX. 
Now there asking for me to provide information information to Carrington mortgage research dept. As I did ASAP! 
THEY ARE MILIPLATING THE SYSTEM TO MUDDY UP THE PAPERWORK. 
FOR CONGRESSIONAL INVESTIGATION, AS WELL AS CLASS ACTION SUIT. 
SINCERELY,
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX # XXXX - IDENTITY THEFT XXXX # XXXX - IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/2023 XXXX XXXX5 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 informationisinaccurate.

Please remove these Inquiries from my credit report.

These inquiriesarelisted :
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. According to XXXX, Experian, and XXXX the account type is reporting as open account. To my knowledge, I do not have an open account with your company, which make this account reporting information in valid, delete per violation. 

Next, XXXX reporting the account detail as deposit related, Experian states Unknown, and XXXX   reporting is blank., you are reporting different information between credit agencies, which makes this information invalid, delete per violation. 

Finally, according to the credit reporting, you are reporting different account status, high credit limit, and comments, which make this account invalid and in violation, delete per violation. 

This reporting doesnt make sense, because you can not report an open account as an collection charge off with a payment after charge off comment. 

Delete per violation, cause you can not report different information between credit agencies, which makes this account inaccurate and you have no legal right to collect because you do not have no original contract on file with my signature and please do not reply with a copy of an driver license, copies of bank statements or copies of papers from third party carrier, as this do not validate the right to collect and will not hold up in court. 

I do not have a written, or verbal contract agreement with your company. I did not sign a contact with your company to collect a debt.
Product: Debt collection

This complaint concerns two or more health systems under the same insurance plan ( XXXX XXXX XXXX XXXX ) with a {$2500.00} deductible. I was never seen at XXXX XXXX  Hospital-XXXX. However, I was seen and had an XXXX XXXX and  XXXX XXXX at XXXX XXXX 's Hospital-XXXX Campus and made a payment of {$50.00}. The bill should not have been the amount that it was, given the fact that I already met my deductible. It does not appear that the bill was sent to the insurance company but did list the insurance company name. If the facility believes they are due more, they should resubmit the itemized bill to XXXX XXXX XXXX XXXX. 

The second biller was XXXX XXXX Hospital. I was seen at the hospital three times and this is just one bill of likely three that should also be submitted to XXXX XXXX XXXX insurance. To begin I was sent home three times from this hospital and it was even documented by one nurse in the ER that she was not going to treat me on XX/XX/2019. I was told that my XXXX XXXX   because it smelled like XXXX  which I was on from a XXXX XXXX from possibly contaminated equipment ( XXXX at the XXXX. XXXX  XXXX XXXX XXXX ) for a XXXX  and/or XXXX XXXX. If the facility was going to bill me after these visits, they certainly could have billed after my XXXX  instead of turning me away ; creating a series of ER visits ; not only to XXXX XXXX Hospital but as you can see it was to two other hospitals and my primary care physician.
Product: Checking or savings account

Wellsfargo had a law suit filed against them and I would like to know if I should received anything in mail about it?
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I have tried to resolve my charged off/closed accounts by requesting a 1099-c for each account. The credit reporting agencies and creditors are in clear violation of sec 15 usc 1681eb of the FCRA. 

XXXX XXXX XXXX acct # XXXX XXXX  acct # XXXX, XXXX, XXXX XXXX  acct # XXXX XXXX  is in violation by reporting a balance on each account
Product: Credit reporting or other personal consumer reports

This account never been late XXXX XXXX number XXXX It has come to my attention that there are errors on my credit report. 
Case law in XXXXXXXX XXXX XXXX XXXX courts ruled that information may not seem to be parroted and that a reasonable investigation must take place upon receipt of a consumer complaint. According to the FCRA, when a credit reporting agency receive a dispute the CRA must prove it or fix it.

I am demanding the proof be provided that these accounts are in fact late or removed late payment. Simply verifying that names, addresses and/or Social Security numbers match is insufficient. That s what fraud is, using information belonging to someone else to obtain credit. DO NOT tell me I need to file a police report, as there is no requirement to do so under the Fair Credit Reporting Act. Is your obligation under the FDCPA to prove it or remove it. 
In XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, the courts said, during a dispute and subsequently investigation, with the original creditor, collector, or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract, or similar proof, not just a printout of the payments that were made.

I am also notifying you that pursuant to 15 USC 1681 ( a ) that you should be aware that information furnishers have lost number suits and are unreliable. 
I will wait the appropriate time as prescribed by law at which time I will proceed to protect my good name and avail myself of any and all legal rights, including but not limited to look at auction. 
Please make the requested corrections on the following account XXXX XXXX number XXXX Please note that I have opted out in writing of your forced arbitration terms and that I am willing to seek legal relief. 
Please provide me with an update report within the 30 days established by law