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

Collection Agency Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Agency Name : XXXX, Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Agency Name : XXXX, Collection Agency Name : XXXX XXXX In accordance with 15 USC 1692g, I , XXXX XXXX, a consumer , am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, TransUnion, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section XXXX and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within XXXX  days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I stumbled across a few accounts that did not belong to me. I have never heard of such companies before. I also have never given anyone my personal information. Below are the accounts : XXXX XXXX balance {$530.00}, posted on XXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX XXXX XXXX balance {$140.00}, posted on XX/XX/XXXX Acct # : XXXXXXXX XXXX XXXX  balance {$0.00}, posted XX/XX/XXXX Acct XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are five closed accounts from Navient on my credit reports still that were closed in XXXX and XXXX. They are hurting my score and I have asked several times over the phone and in writing for them to be removed. The accounts have been resolved or paid for in other ways and there is no bearing for them to continue to remain on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

NO/LATE Response to Dispute (Experian)
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I have submitted a dispute through Experian through USPS Certified Mail on XXXX XXXX XXXX, the document was verified and received on XXXX XXXX XXXX, the estimated completion
date was XXXX XXXX XXXX The estimated mailing received date was XXXX XXXX XXXX The
credit bureau used more than the allotted amount of time given to respond. I have also attached
photos of the receipts for the certified mail, as well as a copy of the dispute letter sent to the
bureau. Attached you will also find a photo of my XXXX Identification card.
Under the "Fair Debt Collection Practices Act",
 807. False or misleading representations
A debt collector may not use any false, deceptive, or misleading representation or means in
connection with the collection of any debt. Without limiting the general application of the
foregoing, the following conduct is a violation of this section:
(2) The false representation of --
(A) the character, amount, or legal status of any debt; or
(B) any services rendered or compensation which may be lawfully received by any debt collector
for the collection of a debt.
(11) The failure to disclose in the initial written communication with the consumer and, in
addition, if the initial communication with the consumer is oral, in that initial oral communication,
that the debt collector is attempting to collect a debt and that any information obtained will be
used for that purpose, and the failure to disclose in subsequent communications that the
communication is from a debt collector, except that this paragraph shall not apply to a formal
pleading made in connection with a legal action.
 809. Validation of debts
(a) Notice of debt; contents
Within five days after the initial communication with a consumer in connection with the collection
of any debt, a debt collector shall, unless the following information is contained in the initial
communication or the consumer has paid the debt, send the consumer a written notice
containing --
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a derogatory account that is reporting on my credit that was never removed. It is past the statue of limitations in New York which is 6 years. My last payment on the account was XX/XX/2014. This account is illegally reporting on my XXXX and Equifax reports. XXXX has already obliged to the LAW. Please remove this account from my report immediately. This is federal offense and is also a defamation of character! 
I have submitted my ID and a utility bill as proof of identity.
Product: Checking or savings account

On XX/XX/XXXX I spoke with an agent who advised me that I had till Monday XX/XX/XXXX to bring the account current under the overdraft protection with this information she confirmed no transactions would be returned as none sufficient and I would not be charged any fees if the amount overdrawn was placed into account on XX/XX/XXXX. However on or around the XXXX I noticed that the balance reflected an item being returned so I called them and asked about this. I was eventually escalated and followed up with XXXX who assured me that they had listened to the call and the agent did give me misinformation and that the fee would be returned that was charged. I also asked her for the letter explaining this so I could send it to the company that the payment was returned too. However, after concluding our call and reviewing my account the next day I realized that she only returned 1 of the 2 fees, so in speaking back with her she said she wouldn't be returning two because there has to be some recourse on my end. I explained to her well it isn't my fault because I called and verified being so I could make sure the deposit would be made timely. She still refused and also refused to give me details on how to escalate above her.
Product: Mortgage

On XX/XX/2020 I got text from XXXX from top flite. I was interested in refinancing my home with cash out. I never provided with my SS # but my credit was ran without my consent. I have them to removed the request but they refused. I received a call from their compliance office who told my SS # number was sold to them XXXX XXXX who I never did business with XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A : States that I have right to privacy.

15 U.S.C 1681 Section 604 A Section A section 2 : States a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/XXXX a certified letters was sent to XXXX XXXX XXXX XXXX for accounts XXXX in the amount of {$570.00}. Attempts to acquire proper validation for this debt has not been met.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX and XXXX, 2019,, Cashcentral.com created an account using my personal information to disperse a loan of XXXX XXXX and XXXX $ to a fraudulent individual. Using my information, a fake email address and bank account a loan was made using my info. 
Per the collection agency the funds were transferred to a XXXX  XXXX XXXX account under my name. I do not or ever had had a XXXX  XXXX XXXX account other than credit cards. 

I check with the 3 credit bureaus and they have no record of Cashcentral.com even doing a credit inquiry. If they had they would have found that I have an alert on my identity for all of them due to prior identity theft issues. Further, cashcentral.com made no attempts to contact me or make me aware that and account was created nor any notices of payment due. 
Instead cashcentral.com turned it all over to a debt collection company ( XXXX ) who ultimately contacted me in XXXX demanding payment.
Product: Debt collection

Portfolio Recovery in XXXX calls me at least three times a day over a 7-day period. If I do not answer, they will call from a different number. I have asked to stop the repeated phone calls as I work and they are constantly calling. For the past week, I have received three phone calls a day from Portfolio Recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2021 thru to XX/XX/2021 Transunion has manipulated my credit report. Now, it appears that Transunion have inserted an unknown erroneous COLLECTION account by XXXX XXXX XXXX XXXX with an original creditor as " XXXX XXXX '' to my credit profile and refuses to remove this damaging information. As previously stated this account is not mine and does not belong to me. It seems as XXXX XXXX XXXX XXXX  have not reported on this account since XX/XX/2021, more than five ( 5 ) months ago XXXX XXXX third party credit report included. Transunion hurts and damage consumers daily. These treacherous, malicious acts must stop.
Product: Mortgage

I am a single, elderly, minority woman in bankruptcy! Wells Fargo illegally Filed a Motion to Lift the stay in my bankruptcy case! I am protected under bankruptcy court and I am making payments to them every month because they said they would work with me. Now they are trying to take my protection away and foreclose on my house! This needs to be stopped immediately! They never sent me a copy of this Motion and my attorney just received it today. The hearing is set for tomorrow! They need to be shut down for their illegal practices. 
I do not have a copy of the motion to attach as I never received it and just got a call from my attorney about it. 
XXXX XXXX is about to hit us and I do n't need anymore stress!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently identified incorrect information on my Equifax consumer credit report. There are several inquiries which I have indicated were not authorized by me and have been identified as fraudulent or the result of an attempt of identity theft. 

I have added initial fraud alerts to my consumer reports. 

I have notified Equifax of the fraudulent inquiries and every attempt to dispute them results in the same response that " Inquiries are a factual record of file access and will remain on the credit report for two years ''.

However, the information being reported is inaccurate as it was possibly the result of identity theft or fraud. As indicated previously, I was a victim of the Equifax Data Breech and believe my information was compromised. 

As it stands, Equifax is refusing to properly investigate my claims and resolve my dispute. I recently filed a dispute through the CFPB website ( CFPB # XXXX ) indicating the inquiries and their response was that the verbiage, format and associated documents in my complaint are similar to other complaints received by credit repair agencies. Because the complaint did not appear to be a direct communication from a consumer, they were not going to give my complaint any further consideration. 

This is unacceptable as a response to a legitimate complaint. I am very capable of researching the Fair Credit Reporting Act and citing the applicable regulations when launching a complaint - and I do not work for nor have I retained a credit repair agency. 

If Equifax refuses to properly conduct an investigation into my concerns, I will have no other option than to pursue litigation. 

At this time, I am making a final request to Equifax to investigate and remove the incorrect/fraudulent inquiries from my credit report within 30 days or I will seek legal action. 

The inquiries which were made without a permissible purpose and the result of identity theft are as follows and should be removed. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX After researching and confirming with the bank, the following inquiries are currently reflecting as hard inquiries and should be reflecting as soft inquiries. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to 15 usc 1681n ( civil Liability for willful Noncompliance ) I have disputed with this company time after time, they never validate any of their information, because if they did then my credit report wouldn't continue to harm me but reflect on the truth.

Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX
Product: Credit card

The credit card was opened in my name without my knowledge or permission by my now deceased husband. I found the credit card after his death and contacted the company.

Amount owed {$1500.00} Found his user name and printed statement from online ( found another 2 credit cards from this company in husbands name ) XXXX called company and reported fraud XXXX found email from company in husbands email. Called company - they said report to police and send death certificate XXXX Letter from Aspire, account closed & fraud claim report XXXX Letter sent to Depute Resolution Fraud with FTC Report XXXX Letter from Aspire, again, acct closed & Fraud report 14 days to respond. Note, I was in hospital & ER after total XXXX XXXX and could not reply XXXX Aspire letter, now calls this " unauthorized activity '' & I didn't reply in time, therefore I am responsible XXXX mailed, using their envelope, fraud claim form, my XX/XX/XXXX letter, FTC report, Police report XXXX Called and explained hospital & convelescent, FTC Report etc. Told to start over and fax. Immediately FAX Letters, notes, FTC & Police Report, Fraud form and asked this be removed from my credit report. 
XXXX Called to check status. Told, not in my favor. Verified account opened using XXXX  email and mobile phone. Advised no estate, no probate, no assets. 
XXXX XXXX XXXX letter dated XXXX stating 1 ) family benefited 2 ) Card sent to fraud claim address 3 ) Aspire will not intervene in civil issue nor be able to make assumptions activity was fraudulent 4 ) therefore I am responsible for balance
Product: Mortgage

Hello, I have a mortgage with US BANK. 

I exhausted my covid mortgage forbearance on XX/XX/2021. 

I started contacting the mortgage company in the middle of XXXX around the XXXX of 2021 to see what covid exit forbearance programs I qualified for. 

I was informed I qualified for XXXX types of exit programs they offered. I selected the " Partial claim with XXXX XXXX '' program as this option best suited my situation. I accepted the terms and conditions via telephone with customer service and was told they would send me the loan modification application packet with the agreed upon terms and conditions for me to accept, notarize and mail back. 

Since then I have followed up with them every 2 weeks to confirm status of my application. Every time I call back they seem to not have a clue as to what I am referring to. They continue to close my application WITH NO NOTICE OR REASON GIVEN TO ME VIA MAIL, PHONE OR EMAIL. 

Every time I call back they are not able to give me a reason or explanation. So they have me reapply and go through the same process each time. 

This has happened to me 4 times already as of XX/XX/2021. 

The mortgage company is US BANK. 
The number I call for mortgage customer service is ( XXXX XXXX XXXX ) The most recent phone call was on XX/XX/XXXX. I called ( XXXX XXXX XXXX XXXX ) which is suppose to be a direct mortgage relationship phone number. 

I have been very stressed and am sincerely doing everything right to ensure I do not lose my home my resuming payment. There careless actions suggest this negligence is being done purposely. 

Today XX/XX/XXXX I received a letter of default mentioning next step is foreclosure. = (
Product: Checking or savings account

Had XXXX XXXX  in my account and cashed a check to pay phone bill. Let them know I did not use this account anymore and wanted to close it on XX/XX/2019 at XXXX XXXX PNC Bank. Let them know I didnt need it because I am a student and still dont have a job with incoming income. They tried to get me to sit down and sign up a free student account but I did not need it because I have a school account. I called today both branch and corporate only to find out my account was not closed and had encountered two service charges putting me negative. I started this account thru a construction job that paid XXXX XXXX an hr XXXX a moth deposit. A woman hit me with her car after a year and took me out of work for a year. I had no income and wasnt being charged a service fee ever. I could never go back to swinging a hammer because of my back but am in school at the college of XXXX XXXX  as we speak full time. I am a XXXX yr old with XXXX XXXX yr old and a spouse who is XXXX with my XXXX child. We receive XXXX XXXX a month in food stamps and have no income coming in at least until I graduate. I plan on going XXXX in the XXXX XXXX for construction management. This is just a temporary bump in the road and I thought this would be the best way to get my case officially recorded. 

Thank you, XXXX XXXX XXXX
Product: Credit card

I 've been having an issue with a TD BANK USA/TARGET CREDIT card.
Product: Credit reporting or other personal consumer reports

Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 ( a ) I have forwarded multiple correspondence requesting the immediate blocking and deletion of fraudulent accounts. I am writing to formally request the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( a ) under the Fair Credit Reporting Act ( FCRA ). I was a victim of the Experian data breach, and my personally identifiable information was compromised, leading to unauthorized accounts being opened in my name. The fraudulent accounts in question are as follows : Account Name : XXXX  Account Number : XXXX As per 15 U.S.C. 1681c-2 ( a ), you are required to block and delete the disputed information within four business days of receipt of this request. Additionally, you must cease reporting these accounts to any third party. I expect a written confirmation from your office once the fraudulent accounts have been blocked and removed. I have attached the following documents to substantiate my claim : 1.A copy of my FTC Identity Theft Report ( www.identitytheft.gov ) .2.A copy of my government-issued ID for verification.3.A utility bill or other proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

My purse was stolen on XX/XX/2019, with my bank cards and ID. I phoned Experian during business hours, but that was useless. I was unable to contact Experian because their phone number went to a recording that told me to go to their website, and their website would not let me report the problem unless I bought a paid membership from Experian. I could not access any other way to contact Experian with my free account ( that free account was given to me because of some kind of widespread problem in the past -- that problem was not specifically mine ). I did successfully file a fraud report with XXXX. I also froze my credit report at both XXXX and XXXX. Experian has received and noted the fraud report on my free account, but they demand that I pay for an upgrade in order to freeze my credit report at Experian. I can't even ask Experian for a free copy of my credit report, to which I am entitled because they have received and noted my fraud report. I will have to write them a letter, but they still won't freeze my credit report unless I pay them. I will send them a letter by U.S. mail, but the delay could harm my credit while my credit report is not frozen. In addition, I will not be able to unfreeze my credit report without paying Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX XXXX Black Market Website Surveillance & Alias Watch, these names and addresses have been used, which could have been due a data breach. 

My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX, GA XXXX Any other addresses must be deleted. I have not lived at any other address listed on my credit reports. 

There should be NO OTHER alias names or mispelling of my names. 

There should be NO employment. 

I have provided 1-Valid social security card and 1 Current address.