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

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide valid verification and original signatures. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX DEPARTMENT OF EDUCATION FOR {$1500.00}, XXXX XXXX XXXX Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX : {$880.00}, XXXX XXXX XXXX : {$3000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  A ) XXXX Balance : {$610.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my   XXXX   And  XXXX  credit report in  XXXX   XXXX  and noticed   XXXX   XXXX   and  XXXX   XXXX  showing as credit cards belonging to me and that had charged off. I submitted investigations 3 times with   XXXX   stating this is not my account and with  XXXX  3 times stating the same, not my account. I have faxed and mailed copies of my id and ss card each time. Each time it comes back verified. I called  XXXX  credit card company and was told 4 times with the latest being today that they could not find an account with my name on it or the account number. I spoke with  XXXX  she states not sure how to stop it from reporting as they have no knowledge of it. She said they didnt have a fraud department she could only take my number and have someone call me back. I spoke to  XXXX  at   XXXX   today she states she cant remove it because   XXXX   is confirming it. She states no proof received only " confirmed ''. I want his removed from my credit as it DOES NOT BELONG TO ME. She states nothing she can do.       XXXX   XXXX  - I have called several times and I cant reach anyone as my ssn or the account number on the credit report " doesnt match their files '' so the automated system hangs up due to no match found. I have disputed 3 times with   XXXX   as well that this is not my account. This last dispute on  XXXX   XXXX , it states " updated from my dispute '' but nothing changed! I 've faxed letters asking to provide proof it belongs to me or delete and nothing happens. Just " verified ''. They (  XXXX  or  XXXX  ) will not provide proof and I have did all I can do.     I also advised   XXXX   the following Inquiries are fraudulent /not authorized by me :  XXXX -  XXXX / XXXX / XXXX   XXXX  -  XXXX / XXXX / XXXX    XXXX   XXXX  -  XXXX / XXXX / XXXX   XXXX   XXXX    XXXX    XXXX / XXXX / XXXX  &  XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX  I advised   XXXX   the following iquirie s are fraudulent/not auth orized by me :   XXXX   XXXX   XXXX   XXXX   XXXX  via  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  &  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX  I need this to be corrected and removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Hipaa wrights has been violated, when a collection agency has access to my private medical files, This private information needs to be remove. 
Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX
Product: Mortgage

We ( me and wife ) received escrow disclosure statement from our mortgage company Call Specialized Loan Servicing, we send them a letter that according to their own statement we overpaid, but they are saying there is shortage which they can't explain or never even responded to our letter, we need to clarify as to only things paid by them is our Property Taxes and Home Insurance which by their statement on page 3 is monthly {$760.00} x 12 = {$9100.00}. On page 2 of the statement from XXXX of XXXX to XXXX of XXXX we have paid {$10000.00}, which is over payment of {$1200.00}. 

We have attached the Escrow Account Disclosure Statement of XX/XX/XXXX Letter of XXXX XXXX which they said never received. ( conversation of XX/XX/XXXX with XXXX XXXX and XXXX XXXX ).
Product: Credit reporting

I 've never lived in XXXX Indiana.. This is my x wife.. I 'd like to have removed from my accounts
Product: Payday loan, title loan, personal loan, or advance loan

I am in a vicious cycle with the instant cash option with Albert. Right now- it is just {$75.00} but I live dollar to dollar. Anyways, in order to get my {$75.00} this time around ( which is less than the {$100.00} I just had withdrawn from the last round ), they forced me to sign up for some weird process that I clicked accept for. It did not seem to be a big deal till I just got an email telling me that I am now enrolled into an automatic savings account. This account will now apparently automatically take money from my checking account each day and help me save - I do not even have any money in my own personal savings account because I am a XXXX XXXX XXXX  XXXX who can barely make ends meet. 



Please help me get out of this process. I have reached out to them and received no response. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised cc from different companies where used too obtain XXXX  in my name
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$340.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX Owed : {$140.00} Charged off Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I have a spousal consolidation FFEL through Navient with my husband as the co-signer. We opened account in XXXX, still married, and have been paying every bill until we were granted administrative forbearance in XX/XX/XXXX while we wait for Federal Student Aid to implement a way for us to separate our loans. Our forbearance has been extended 2 times, 60-days, and will come to an end soon. In our case, we have both worked at US public higher education institutions since XXXX, and we qualify for PSLF under the limited waiver that ended XX/XX/XXXX. We have submitted what we had to by the waiver deadline, and other have confirmation from Federal Student Aid that they have received what we needed to submit to them. 

In XX/XX/XXXX Federal Student Aid announced that the procedures regarding separating spousal loans will not be put into place until end of XXXX, and loan holders are encouraged to contact their servicer to obtain forbearances. Navient apparently created a company-wide policy for not allowing administrative forbearances for FFEL joint consolidation holder because Navient is waiting for a direct communication from Federal Student Aid. On the phone and through chat communications ( on XX/XX/XXXX ), Navient would not tell me what form of communication they are waiting to receive from Federal Student Aid, and when I asked whether they need communication regarding my account or a general communication they told me general communication. I have attached the chat transcript. 

I filed a complaint with the Federal Student Aid Ombudsman 's Office on XX/XX/XXXX, and they have already closed my case without communicating with me an outcome ( Feedback Case # XXXX ). I called FSA ombuds and they told me that my name is now on a special list, and that the information on https : //studentaid.gov/announcements-events/joint-consolidation-loans is the direct communication to loan servicers. 

It seems conversations between Navient and FSA are going into a never ending cycle, and as a consumer we are caught in the middle with the least power to move things in a manner to be treated fairly.
Product: Money transfer, virtual currency, or money service

After the fact, my findings reveal that I have been scammed in a " Pig Butchering Scam ''. 
Someone reached out to me from a strange number ( XXXX XXXX ) on XXXX XXXX asking if I'm coming for a party. I responded politely that it's wrong number, and then this person who calls herself XXXX ( now I know everything is fake ) struck up a conversation and quickly wanted to move the conversation to XXXX XXXX She gave XXXX as her XXXX number and connected me on XXXX. 
About a week into the conversations she started telling me how she makes money from XXXX XXXX and if I'll be interested. I said I don't do XXXX XXXX because I don't understand the algorithm. She ( maybe He, we can't even be sure ) promised to guide me step by step on how to invest. She asked that I download XXXX app and then XXXX XXXX for trading. 
Over the period of four months, I've invested {$20000.00}, but when the time came for me to withdraw the money with the profits, my XXXX account was XXXX. But the XXXX app is still working. 
So I made a complaint to my bank that I was scammed and that the bank should investigate the transaction and help me recover my funds. I told my bank that all XXXX transactions in my checking account are fraud. But my bank has been unable to do anything to help
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear PORTFOLIO, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state identity theft and credit reporting laws, specifically Section 570.223 of the Missouri Revised Statutes.

It has unequivocally come to my attention that PORTFOLIO has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consumers consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouris identity theft statutes, particularly Section 570.223, criminalize the unauthorized use of personal identifying information, including the illegal access, use, or dissemination of personal data for fraudulent purposes. This includes unauthorized credit reporting that impacts a consumers financial standing.

I assert with unwavering certainty that I have not provided consent for PORTFOLIO to report any information to my credit report. This undeniable lack of explicit permission constitutes a clear violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and Missouri state laws.

I demand, with the utmost certainty, that PORTFOLIO immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law under Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Missouris identity theft statutes.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that PORTFOLIO will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith.
Product: Credit card or prepaid card

XXXX, a company I rent office space from, charged me {$370.00} on XX/XX/2019 and {$260.00} on XX/XX/2019 for use of the copy/printer. I believed the copy/printer was included in the rent as they did not state that it wasn't and no where in their House Rules, Terms and Conditions or in my contract does it state the copier/printer was an added fee and no where does it state what those added fees are. Due to XXXX charging me for the use of their printer and not disclosing to me the fees for the use of the printer I attempted to dispute these charges with PNC bank which my business credit card is under. XXXX automatically charges me each month and when I saw the additional charge in XXXX I mistakenly assumed it was for my other office space that I was renting from them. When I received my XXXX invoice I realized the additional charges were for the printer use and not for my other office space. I contacted PNC in XXXX about these printer charges to see what could be done as XXXX was not helpful in resolving this issue with me. PNC told me they would investigate. No one from PNC called back and I never received anything in the mail. A couple months went by and I realized nothing had been resolved about these charges. I called PNC and was told the case was closed out and everything was resolved. XXXX had double charged me for rent in XXXX as an accident and PNC thought this was the charge I was referring to and said it was refunded and closed the case out. Additionally, I never received any mail regarding this decision. I refiled dispute cases against both these printer charges in the first week of XXXX. I provided PNC with the invoices with the printer fees and a copy of XXXX 's house rules, terms and conditions and my contract showing that in none of these documents is the printer mentioned as being an additional cost and no document stated what the printer costs were. PNC closed my dispute cases against these charges at the beginning of XXXX stating that they did not see anything wrong with these charges even though the documentation I provided to them clearly did not list the printer as being an added cost nor do any of the documents show what the printer costs are. PNC also told me it was too late for me to dispute these charges but I did attempt to dispute them in XX/XX/2019. PNC did not handle the situation correctly and closed it out. I feel that PNC has handled this dispute improperly from the beginning and I am just getting the run around from them and they made it clear they are not going to help me. This is now going on 6 months where this issue is still not resolved.
Product: Mortgage

After waiting many weeks ( early XXXX ) after submitting everything required by the mortgage lender, rocket mortgage, and only after repeatedly pestering them during the long silent interim, finally rocket mortgage and and XXXX were ready to close on my mortgage, as was I on Friday XX/XX/XXXX. Despite plenty of reiteration and generous notification, they failed to properly arrange the split signing required as the consignor and myself are in different states. This resulted in more delay on a loan that was already part of a protracted process and put financial hardship in myself, not to mention the XXXX XXXX. The companies are slow to respond, if they do at all, and don't seem to care about closing my loan. I've given them everything they have requested. The neglect and incompetence is impressive.
Product: Debt collection

Debt collector has misrepresented information after numerous attempts to have this taken off of my credit report. this bill has been paid in full. this company continues to misrepresent this amount and has not contacted the hospital in order to rectify the status of the collection amount.
Product: Student loan

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2016.
Product: Debt collection

I disputed these aligations with this company for a few months now. I've went about the situation the correct and diligent way ( following the FCRA Federal regulations ) to no avail my request was STILL not honored by this company who goes by the name " ARS '' Account Resolution Services. I was sent bills claiming that I owed three medical bills. Seeing how I've always had insurance I know indeed this debt was not actually mines. So, I disputed this account with the three credit bureaus ( XXXX XXXX, XXXX, and XXXX. Which came back quote on quote verified ... So I then sent this company ARS a verification letter according to the FCRA ( Fair Credit Reporting Act ) they had to provide a signed contract by me ( which they NEVER did ... I even offered to settle this with this company if they could provide me ANY substantial proof that this debt is and was indeed mines! Moral of the story they NEVER provided me ANY type of proof showing me ANY contract showing that I've received services from the company in which they represent.
Product: Debt collection

Last year, I was continuously getting texts saying I owe a debt that is not in my name but is associated with my phone number. The original company that contacted me was XXXX XXXX XXXX XXXX XXXX. I confirmed with them that it was not my debt based on name and DOB. They took me off their list and stopped contacting me. 

Over the last month, I've received numerous texts from XXXX XXXX regarding this debt from XXXX. I would like to stop being harassed for this debt that I do not owe.
Product: Debt collection

XXXX XXXX XXXX XX/XX/XXXX email : XXXX Attention XXXX XXXX Weinstein & Riley PS XXXX XXXX XXXX, Suite XXXX, XXXX, WA XXXX Re : XXXX XXXX XXXX XXXX balance paid on XX/XX/XXXX still shown outstanding. 

Dear Ms. XXXX : I spoke to you on XX/XX/XXXX, over six months ago about the payment made through your firm for {$2900.00}, [ see enclosed return check in full and final settlement ]. I am the principal in this matter, and regardless of my legal representation, you owe me an absolute duty not to represent false information in court. 

It is your responsibility as a creditor to keep an accurate record of any balances due, including payments made, such as payment made on XX/XX/XXXX. You have 30 days from the receipt of the payment to update the Claims Register in the US Federal Bankruptcy Court in  XXXX for case XXXX. 

You are now over 180 days in default of this obligation. Please treat this as the final notice should you fail to update the Claims Register within the next 4 working days. 

Yours Sincerely, XXXX XXXX XXXX XXXX : Copies of phone call transcripts with you and your firm, return check & Claims Register. 

Cc ; XXXX XXXX attorney for XXXX XXXX, Federal Trade Commission Complaint