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

It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the info I am not familiar with. 

Please find attached copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a Validation of debt letter.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX carvana received a transfer Cash Down Payment {$26000.00} Total Down Payment {$26000.00} Balance Due {$0.00} TOTAL BALANCE DUE {$0.00} for a XXXX XXXX XXXX XXXX XXXX # XXXX DocuSign Envelope ID : XXXX I provided bank statements to verify account, and also the transfer, Carvana has choosen to keep my currency they received and the vehicle they have no evidence of a refund initiated, as account is restricted to mostly transfers, and investments, I also had micro deposits I did not authorize remove from my account, I choose to keep my account information by private as possible providing statements, Carvana claims they need more information, I have provided all the necessary information I plan to provide for this transaction and is by Law verified, this theft/scam is in fill violation of my rights and because of amounts hardly ever receive a refund.
Product: Debt collection

XXXX XXXX XXXX, XXXX, original debt is Citibank. I went through hardships and lost my business, aka shop/job after 16 years. Kept paying on dept to Citibank and creditor kept charging outrageous interest, penalties, and fines. Eventually Citibank locked me out of the account and I could not pay my bill then sold debt to XXXX XXXX XXXX XXXX. without any notice to me. XXXX XXXX XXXX XXXX contacted me aggressively and constantly, morning, afternoon, and night including weekends. Eventually got too aggressive and threatening they were asked to stop calling me. I am assuming it is a credit card that I was paying on. XXXX doesn't talk to me and directs me to the attorneys which they also refused to talk to me without giving them my social security number, though there are other ways to pull up my information like address, phone number and verifying that normally is enough. For security reasons I can't give sensitive info like a social over the phone to just anyone. For these reasons mentioned about and not being able to verify the debt, I now question the validity and dispute any allege debt in its whole. I need all information to verify said debt ; payments made information, interest rate, transfers, charges and complete history of " Alleged '' Debt. This creditor and its attorneys have refused to talk to me and get too hostile to deal with. I require all documentation associated with said debt and harrassing action, yelling, and legal action stopped.
Product: Debt collection

This collections is not from original creditor. I do not owe FirstPoint Collection Resources , Inc. at XXXX XXXX XXXX, XXXX, NC XXXX any amount. They may allege I owe the {$1100.00} the sum of {$470.00}, {$330.00}, {$300.00}. I never heard of FirstPoint Collection Resources , Inc.. I never did a contract with them. I ask them how they got my private information without permissible purpose from the consumer. I ask them valid questions regarding this alleged debt. They have not responded with any valid information. They have willfully report, reported, and continue to report inaccurate and incomplete information and are in violation of 1692g ( b ) & 1692e ( b ). They have removed two of the alleged collections {$470.00} and {$300.00} yet one {$330.00} still remains. The removal of this information is proof that I don't owe them anything as these alleged debts. I have suffered emotional and financially because of this situation. I am hurting and XXXX I need help because they won't remove it. My credit suffers from this! This has been going on for months. I have suffered deeply from this and the covid-19 pandemic as well.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Ive sent documents to credit bureau and have police reports and photos and documentation of information incomplete and added multiple times to my credit report, it clearly shows that company 15 times on several occasions with different accounts. Please assist with this issue. 
XXXX XXXX XXXX XXXX XXXX Tx and letter sent for Disputes and updated and accurate information for my personal report.

Disputing Inquiries, Collection ( trade that are incorrect, Fraudulent, Incorrect or Paid family members crest, misspelling, inquiring. 
Update all documents and personal information, address, name, phone, work history. 
I am writing to dispute the following information in my file.
Product: Credit reporting or other personal consumer reports

Im victim of identity fraud. Wrote credit bureaus and called several time to remove names, address and phone numbers off report. Only removed ( 1 ) or ( 2 ) items.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I've sent out a certified letter disputing items in which I felt I was a victim of identity theft. I've listed all items that were not mined. As of XX/XX/XXXX, I have not received any correspondence regarding my request. I haven't gotten anything stating they were opening an investigation. I believe the credit reporting agencies have violated my FCRA and I need some help.
Product: Mortgage

I submitted a complaint, with supporting documentation, through the United States Postal Service XXXX XXXX XXXX in XX/XX/2020. My name is XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX. My phone # is XXXX XXXX XXXX XXXX. Email address is XXXX I have received several XXXX responses, from Consumer Financial Protection Bureau ( CFPB ) with the latest one dated XX/XX/2020. It stated that I could call XXXX XXXX XXXX XXXX and get information about my complaint. I phoned on XX/XX/2020 as soon as I received the letter but was unable to get any information. 

Since then I have sent two ( 2 ) letters requesting information to no avail. The XXXX ID # is XXXX. It is regarding Nationstar Mortgage XXXX XXXX Mr. Cooper mortgage servicer. They have filed a foreclosure action with the courts so time is of the essence to avoid losing my home. 

It is extremely important that I receive a copy of the company 's feedback as soon as possible so that I may be able to review it and respond with feedback within the sixty ( 60 ) day allowed. 

PLEASE HELP ME
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 do not recognize these credit inquiries and the credit bureaus did not remove them. They did not provide me with any information. I am providing an identity theft report so they can be removed because they are inaccurate and not mine.
Product: Checking or savings account

There was a bad check submitted into my US Bank Acct. and now because nobody did their job properly I 'm being held responsible for using it. It was from an XXXX banking service from a XXXX Texas XXXX Bank that opened an account for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX who was using illegal identity. This was confirmed by the XXXX Police XXXX. in NM. This check for {$2900.00} was deposited through an online banking service. I was notified through the alert system of US Bank that I had {$2900.00} available immediately. I proceeded to use {$1000.00} of it and since I have a limitation on my withdrawals in a days time went to the bank to request more money at the US Bank, XXXX XXXX only to find out that the check was n't any good. Being an out of state check there should have been a hold placed upon it for several days and that was n't done. According to the bank XXXX, XXXX they get many of these checks every day, not my problem. I 've had my account shut down and demands to repay {$970.00}. I do n't feel this is right. Not only did this man do this once, but the next day or the day after he proceeded to try and place another fraudulent check into my account for another {$2300.00}. XXXX caught this one and called the police -- XXXX XXXX XXXX. I spoke to this XXXX and wanted to press charges. Was told I could n't because according to him this man probably lived in XXXX. I 'm being told constantly of the scams that are going on through the internet. I would guess that I receive XXXX scams a days in my spam folder of ATM Cards equaling XXXX of dollars, of money that a person as left after XXXX in my name. Just supply my name, address, phone number and they will contact me with the balance of the information. YEAH RIGHT, AT A COST TO ME OF COURSE. I 'm tired of these XXXX XXXX 's being able to acquire a bank account with false identity. I 'm sick of the fact that US Bank did n't have TIME to properly handle this check appropriately and put a hold on it for several days to make sure the funds were available.
Product: Debt collection

I requested Fox Collection Agency to provide me with proper validation of debt from the original creditor, not them, the debt collector. They refused to provide me verification of the validity of the alleged debt, they only provided me " verification '' of my name and amount of an alleged debt, on a Fox Collection Agency Invoice. I personally feel what they have provided me is improper documentation posing as debt validation. This is not sufficient for debt validation. They refused to provide any identifying documentation of the original account, no statements from the original creditor, payment history from the original creditor, etc. I then reached out thru email to Fox Collection Agency in regards to what they sent me, and I had requested more information trying to figure out the original creditor information, the alleged amount, in order to compare to my health insurance/ copayment records, and no response ; I wanted again proper validation from the original creditor, not them the debt collector. Fox Collection Agency never responded to me, and in XXXX added the debt to my consumer credit report. Debt collectors must provide proof you owe the debt to the original creditor, not to them. They did not provide that to me as I requested. 
It 's not a matter of not satisfying a debt, it 's a matter of the allege debt being correct, giving me, the consumer the documentation, so I can verify what to do. Especially since this is a Medical Collection, I needed all of the documentation to compare/ and verify with personal/ health insurance records.. It did n't match my health records on date of service, amount billed to insurance, or copayments, etc. 
I believe that Fox Collection Agency should be investigated for their corrupt practices. I told them in email, that I would satisfy any debt that is verified as mine, I had no problem with that. I have a problem with them refusing to provide verification of the original debt amount. They refused and added a derogatory item on my consumer report.
Product: Consumer Loan

This letter is a follow up to my original letter dated XXXX XXXX, 2016 regarding an inaccuracy on my credit reports, regarding account # XXXX, which you claim closed, 150 days late. 

By not replying in a timely manner to my initial letter on XXXX XXXX, 2016, you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Debt collection

On XX/XX/XXXX, I received a letter from Amsher Collection Services , Inc dated XX/XX/2021, indicating the collection of debt. On XX/XX/XXXX, I sent a letter via CERTIFIED MAIL ( XXXX ) disputing the debt and requesting its validation ( not a " verification '' ), pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. In addition, I informed Amsher any reporting of a disputed debt would constitute fraud under Federal & State laws. They were given 30 days to investigate and report back. Additionally, I requested the name and address of the bonding agent for Amsher Collection Services , Inc . 

I received a letter over 3 months later dated XX/XX/XXXX, with none of the information requested, except for a handful of copies of bills from the original creditor. No copies of the contract with myself and the creditor. No copies of the contract with the creditor and Amsher were provided. 

In short, they have grossly violated the FCRA, Federal, and State laws, and I intend to hold them accountable. 

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

Was place in Chex system and is unable to get any updates.. Was unaware of this action
Product: Debt collection

I did not consent, or benefit, or authorize any of the following accounts : XXXX XXXX- {$770.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 9 accts on my credit report that I have been disputing since XX/XX/2021 and the bureaus and the furnishers are not helping me out this is a identity theft case and I will not settle until all these are off my credit report asap!!! 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Student loan

My complaint is multi-faceted. 
1. I am in the Public Service Loan Forgiveness Program. The count of months of payments provided by XXXX XXXX is quite different than my count. I have sent email messages to them requesting clarification and have never received responses. 
2. I recently changed jobs and my income based payment needed to be recertified. I provided the documents to them and was emailed a letter stating that I would receive a letter in the mail telling me what my new payment would be. I never received this letter. On XXXX I participated in a chat conversation with a representative from XXXX XXXX This rep told me that my repayment plan would be recertified in XXXX and I would start paying the new amount in XXXX. I received my bill today and the new amount is actually beginning in XXXX, not XXXX. I do not know what if any income based repayment plan I am now in. 
3. When you email XXXX XXXX, you receive a message stating that they have received your email but you do not receive a copy of your email. This makes it difficult to follow up and track correspondence. 
Thank you for your asssitance.
Product: Mortgage

I had a Wells Fargo Home Mortgage from XXXX and started having financial troubles and missed a payment and they made it impossible to catch up, the only option presented was a deed in Lieu foreclosure which we were forced to accept. It is my understanding they have settled for their illegal practices and I feel we were a victim also.
Product: Debt collection

I made a payment with my debit card for someone else 's Auto loan. The account manager, XXXX, billed an unauthorized charge to my card, saved the card to file when I told him not to, and continues to call and hang up after I told him not call my anymore. I recorded the conversations I have had with him and with his Manager XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged in on XX/XX/2018 to check my credit report, and I've been checking on the site for a couple of weeks. 

Equifax and XXXX are not allowing me to download a free annual credit report online. Both credit reporting agencies have a standard message on their website accessed through XXXX that says online delivery of credit report is unavailable. They both want me to mail all my information and seek a physical report. 

In this day and age when the Trump administration is trying to make government and business more efficient this seems like an archaic process to get my annual report. 

Please ask both credit rating agencies to fix whatever problems may be ailing their respective websites so I can obtain my annual, free online credit report, as I'm entitled to get under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a free credit report on XX/XX/2018. Have not received as of XX/XX/XXXX. I called Equifax on XX/XX/XXXX and spoke with 4 people over about 75 minutes. My question was simple - what is the status of my request for a copy of the report.

All I got as the run around and long times on hold. They asked for some type of confirmation number, outstanding balance on specific credit accounts, minimum payment on specific credit accounts, etc. I repeatedly told them I did not have the information available and that I was not asking about any information in my file. I told them I did not understand how they were protecting my information by refusing to tell me the status of my request.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally register a complaint concerning several issues related to my credit report, specifically regarding multiple collection attempts and unauthorized inquiries.

I recently reviewed my credit report and discovered several problems that have negatively impacted my creditworthiness and financial well-being. I wish to highlight the following issues : I have identified multiple entries on my credit report indicating that I owe debts to collection agencies. To the best of my knowledge, I have not incurred any debts that warrant collection efforts. These entries are not only inaccurate but also damaging to my credit history. I have also noticed several unauthorized credit inquiries on my credit report. I did not provide consent for these inquiries, and they have adversely affected my credit score. I suspect that these inquiries are a result of identity theft or errors in reporting.

I understand the importance of accurate credit reporting and its significant impact on my financial stability. The inaccuracies on my credit report have caused undue stress and have hindered my ability to access financial products and services.

I kindly request the following actions to address these issues promptly : Investigate and correct the inaccuracies in my credit report, including the removal of unwarranted collection entries and unauthorized inquiries.

Provide me with a detailed explanation of the circumstances surrounding these inaccuracies, including how they occurred and the steps taken to prevent their recurrence.

Issue a formal letter confirming the corrections made to my credit report and ensure that all credit reporting agencies have been notified of these corrections.

Implement measures to safeguard my personal information and prevent unauthorized access to my credit report in the future.

I expect a thorough and swift resolution of these issues, as the inaccuracies on my credit report are causing significant financial harm and distress. Failure to address these concerns satisfactorily may compel me to seek legal remedies to protect my rights as a consumer. The following items are needs to be removed : MO CHLD SPRT XXXX Balance Owed : {$7800.00} XXXX XXXX XXXX XXXX MO CHLD SPRT XXXX Balance Owed : {$7800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this issue through cfpb on XXXX previous occasions and it has not been resolved yet. 
Complaint Numbers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX requested a letter from me authorizing the Credit Bureaus to remove the Hard Inquiries and she sent XXXX XXXX XXXX XXXX authorization for release to the credit bureaus. but XXXX XXXX XXXX has yet to remove them.