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

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number ], filed on [ FTC Complaint Date ]. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( 2010 ) and XXXX XXXX XXXX, XXXX ( 2002 ) reinforce that inquiries must meet the FCRA & XXXX XXXX ; XXXX permissible purposes requirements.
Product: Vehicle loan or lease

They want to repossessed my cars when I ask for a deferment
Product: Debt collection

These account was not authorized by me. I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

PORTFOLIO RECOVERY ASSOCIATES AND XXXX XXXX XXXX are stating that I do not have the right to opt out when in fact XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " PORTFOLIO RECOVERY ASSOCIATES AND XXXX XXXX XXXX are a financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " PORTFOLIO RECOVERY ASSOCIATES AND XXXX XXXX XXXX are a financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX from PORTFOLIO RECOVERY ASSOCIATES AND XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked in reporting late payments under 15 USC 1666AAND 15 USC 1666B as it states " '' a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor. '' Lastly, PORTFOLIO RECOVERY ASSOCIATES AND XXXX XXXX XXXX need to thoroughly look up each and every one of these laws and understand these have been in place for much longer than the FCRA. The USC backs the CFR which the President has signed for to put in place. The USC is to enforce the CFR. Previous letters were sent as well with no response.
Product: Mortgage

Mortgage company keeps changing payment amounts Recently requested review due to senior tax exemption Fax required documents to show proof of senior tax reduction XXXX in XXXX calendar days Selene fianc stated it will not be ready until XX/XX/year> Predatory lenders! Cant find a lawyer to sue because its a private lender This site doesnt help at all!! This servicers can do whatever they want! Make errors and correct them! If WE make an error we lose our jobs or our houses! Stop protecting Selene finance Yes an officers was assigned to the last complaint! Called me twice and never heard from him again! I guess I will file a lawsuit my self against Selene finance!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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 an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX : - XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4600.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$940.00} XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I promise these two derogatory marks are n't mine. I 've never heard of, bought or received anything from these companies. <P/>XXXX XXXX XXXX, XX/XX/XXXX {$1400.00} XXXX XXXX, Opened XX/XX/XXXX, {$660.00} Thank you. Best, XXXX XXXX
Product: Debt collection

I have been contacted by Central Portfolio Control several times by phone, trying to collect more personal information for them to give me more details about the bill the are trying to make me pay. I have also received a letter dated XX/XX/2023, with an account summary for service on XXXX XXXX and reference # XXXX for a balance due of {$10000.00}. The communication mentions that the original creator is XXXX XXXX XXXX XXXX XXXX. I have never used nor taken any service from that hospital. 
I have never been contacted by dignity health and I have never heard nor used Central Portfolio Control company. I have called CPC to report the spam, they did not receive my call seriously, I did not receive any help, and they did not show any concern for the company 's name involvement.
Product: Credit card or prepaid card

I acquired a Menards Big Card in the fall of 2019. The card advertised a 2 % savings each quarter. At least three quarters have passed and I have received no form of 2 % rebate, check, nor savings. I contacted Capital One, who issues the card, three times and they acknowledged the rebates have not gone out. I have asked them when I should expect to see them and each time they say watch the mail it should show up anyday. Months have gone by without any form of discount. Since I have not received any form of payment I would like to close the card, but before doing so I would like to receive what I have earned before doing so. All payments have been on time and paid via autopay. 

I am confident they have my correct contact information as I get a monthly email notification for my bill and a monthly mailed statement in my mailbox. 

Since I ultimately signed up for the card via a Menards representative and its an in-house card it would be nice if Menards would take ownership. I have been bounced between Menards and Capital One and it doesn't seem reasonable that the consumer should have to sort out the relationship they established with a promise of savings.
Product: Debt collection

Collection agency is claiming I owe {$9.00} to XXXX XXXX XXXX. I never received a bill from this company. I have paid all of my medical bills and have no knowledge of any outstanding debt. This is a fraudulent claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

Collection agency has not been able to help me dispute an account that was opened on my behalf as a result of identity theft. Collection agency Starmark Financial LLC. 
Collector kept trying to reach me since XX/XX/year> attempting to collect a debt that I at the time thought it was a scam attempt since I did not have any past due accounts. A month later I realized there was an account that appeared on my credit report from them and realized someone had been using my information to apply. I filed a police report for identity theft and sent it over to the collection agency and they stated that they would do their investigation and I would hear back in 2 days. I also confirmed to them that the employer that was used in the XXXX contract is a place I have never been employed at, and that the bank account number the funds got deposited to is not a bank related to me. Never heard back and when I contacted them back they stated they were contacting the orginal lender XXXX to try to buy back the fraudelent account that was sold to them. I contacted XXXX myself and they stated that wasnt possible.
Product: Credit reporting or other personal consumer reports

15 USC 1681- Permissible Purposes ; Hard Inquiry for XXXX XXXX needs to be removed. 

A Charge Off is a Certificate of Indebtedness, which equals Income that can not be reported by the company. Removed Collections and Closed Accounts for : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX 

15 USC 6801-6805 ;
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$4600.00} XX/XX/XXXX XXXX XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX  XXXX {$970.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX {$290.00} XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX {$1200.00} XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX {$8200.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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 item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Hey my name is XXXX XXXX XXXX and this has happened to me again. PayPal you keep banning my account last time it was a XXXX  I got banned for using now what is it please just reinstate my account please and leave me stuff alone. By the way The account is under XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent four update letters to all three credit bureaus, which are TransUnion XXXX  and XXXX. I've sent them many many different letters on different occasions asking them to remove old, outdated information in terms of addresses, phone numbers, and employment, and some of the information that is on my credit report are addresses that I never lived at, so now I'm filing a complaint against all three of the credit bureaus because they have failed to remove old, outdated information and these credit bureaus are also in violation of the privacy laws because they only supposed to keep my payment history but not my addresses and other personal information.
Product: Checking or savings account

On XX/XX/2018 I sent an Unauthorized ACH Corporate Return Form. The purpose for such for was to recover monies that were taken from my account that were not authorized by " myself '' account holder. Due to this happening my account took a hit of all sorts of fees for money that I thought was to be available and it was not. Normally there is a provisional credit until the investigation is complete and this is not the case for some reason on this claim as well as another claim I filed for a service that had not been received that I signed up for. Nonetheless the purpose for this complaint is based off of two separate incidents that transpired. 1 ) Two ( 2 ) ACH debits from : XXXX XXXX for the total amount of {$190.00}. A permanent stop payment was placed preventing further damage from this. 2 ) A transaction from XXXX XXXX for {$100.00} for a service that I signed up for and changed my mind and chose not to participate before the class was even started. As a result on this transaction I also thought that I would receive my provisional credit and this too was not the case. Therefore, the bank has charged my over {$500.00} in overdraft fees on charges that were made based on false pretenses. In most ( normal ) cases an account that does not have overdraft protection is prohibited from releasing funds that are not available from my experience and rather than be a part of the {$66.00} XXXX dollar class action that admits in wrong doing I tired to visit the branch closest to my home to resolve and during this visit they called a representative that explained that the claim forms had not been receive and I sent them SEVERAL times, as you can see in the attachments. It is now over a month and now my account is seriously a problem. I pay my daughters daycare, which is the most important expense from that account. Which now the bank has taken ALL the money that was earned for that account & applied to fees. This is not just morally wrong but its a conspiracy. Now I have to suffer for this causing all sort of financial inabilities. There are charges that the card was not even swipped for that were made to the account and again. Charges that were of knowledge were solely based of my part experienced regarding a claim in good faith. There was no reason the money should not have been made available. Especially since I never had a claim returned. Any claim based off the account it fact on my part and opened because there was good cause for such. Bottom line, why is the institution allowed to take fees for money that is not there and penalize the account holder for such. I don't earn a living to support or pay the bank. There are no incentives for doing such only financial gain. One last thing the access the fee before the item clears/processes.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Delete this account. 


2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


4. there is some inaccurate information reporting. 
XXXX Account Number :  XXXX Delete from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported charges that were fraud on my credit card from XXXX and made a dispute with XXXX XXXX which is through XXXX XXXX and they stated an investigation would take 30-60 days and nothing has been done with taking these charges off my account. This credit card company has been charging me late fees on this account when they do not belong to me since i never made these purchases. I am disputing this account since I have now closed this and want to find remedy in the credit card company zeroing out this account since they never completed an investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a rental property that has a mortgage in good standing ( XXXX XXXX ) which Equifax will not report on my credit file, I have paid this account faithfully! No lates! Years of every payment being on time! They also dont have any way to dispute satisfactory accounts to my file ( ie.. to dispute a missing account or one that is not showing ) which seems that it should b illegal for these credit reporting companies to block consumers from correcting false or missing information!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received letter from XXXX XXXX  see attached documentation that no balance is owed. Sent certified letter to Portfolio Recovery on XX/XX/2021 XXXX : XXXX XXXX XXXX XXXX XXXX see attached letter. On XX/XX/XXXX I received another letter from Portfolio attempting to still collect a debt that I do not owe. They continue to report derogatory information on my credit reports.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I paid for my credit report initially on XX/XX//2020 and found that two collection agencies were reporting inaccurate information to the three credit bureaus. It is to my understanding per the FCRA that I am able to dispute these inaccuracies with the 3 credit reporting agencies and that they will investigate. To date I have reached out multiple times and I have not received and VERIFICATION or PROOF that I in fact owe for one collection agency in the name of XXXX XXXX XXXX with the account number XXXX. They are reflecting a balance of {$180.00} on Equifax and a balance of {$260.00} on Equifax and a balance of {$180.00} on XXXX. This is in direct violation of the laws put in the place to protect me. Please assist me with this matter and have this account removed from my reports. Thank you