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

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I began to refinance with my current mortgage co and during the process our mortgage was bought by LoanCare. I paid the first payment to them when due and since the refi co was waiting for payoff letter I contacted LoanCare and they said they did n't have the payment yet and therefore could n't get an accurate payoff. My bank verified they sent payment and after being told by customer service at LoanCare that I should pay another way so I am not late, I did so over the phone with them and put a stop payment on the bank check. I stated to Loancare that I did a stop payment and to please note the acct as such. 2 days later I received a receipt stating they got the check and applied the funds. I called and told them that was not supposed to be an they said to not worry since the money would end up not being applied after the fact since I paid XX/XX/XXXX due. Well Loancare sent the payoff with the extra funds in the amount without anyone knowing this and we went to closing and finalized everything with funds being funded from mortgage co to Loancare XX/XX/XXXX. Loancare stated that I owe XX/XX/XXXX funds as well as the FHA regulator interest for XX/XX/XXXX now, {$880.00} on top of the mortgage! I stated that the funds went through XX/XX/XXXX and they said it was after XXXX therefore they had to add on the other money due to holiday and not processing until XX/XX/XXXX!!! Every call into customer service was terrible and left me in tears. They were beyond rude and completely arrogant in their responses. The timing from start to finish on how they handle money is beyond unacceptable and I cant imagine if they were my mortgage company for good! Considering they lost a check for 2 weeks, then applied is after I paid over the phone and then took the payoff amount 5 days to process that in turn leaving us to owe money that we do n't have! Terrible and sad that this is okay in the work of money, as well as the customer service dept being beyond terrible and barley able to understand what half of them are saying. SAD!
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$13000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$790.00} XXXX  XXXX XXXX Balance Owed XXXX {$190.00} XXXX XXXX XXXXXXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$740.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX XXXX  Balance Owed : {$62.00} XXXX XXXX XXXX  Balance Owed : {$660.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9300.00} XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXXXXXX Balance Owed : {$2300.00} 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 or other personal consumer reports

I recently checked my credit report and noticed that there were a late payment reporting from XXXX XXXX XXXX On XX/XX/ I contacted The issuer they stated all my payments were on time and that it was the reporting agencies reporting in accurate information you have violated the United States code law tila 15 U.s. code 1666 ( b ) billing error as a consumer by law these accounts need to be updated or deleted immediately. Or I will seek monetary compensation for violating my rights in Small claims court in my city and state under 15 usc 1681n. Civil liability because Ive been violated
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unauthorized hard inquiry on my credit report from Citibank Na on XX/XX/2018. Im not familiar with this inquiry at all and not sure why it is on my credit report but i would like it removed as it is effecting my overall credit performance. thank you.
Product: Debt collection

Portfolio Recovery services continues to call my phone morning and night, including weekdays and weekends. They never leave a message and when I do answer, they are very aggressive. I received a phone call once at XXXX on a Sunday, then again at XXXX on a Saturday, and every single day -- multiple times a day -- during the week.
Product: Debt collection

To Whom It May Concern, Regarding the collection account opened on XXXX with SOURCE RECEIVABLES M, I have attempted to dispute the validity of this debt with the collection agency directly. Despite my efforts, the account remains on my credit reports with both XXXX and XXXX. 

I have sent a formal dispute letter to the collection agency requesting validation of the debt, as well as a cessation of all collection activities, in accordance with the guidelines outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Additionally, I have not received adequate responses to my requests for validation, nor has the account been removed from my credit reports. 

I am aware of my rights and responsibilities in this matter, and I am seeking assistance in resolving this dispute promptly. I believe that the actions taken by the collection agency are in violation of the FDCPA and FCRA, and I am concerned about the negative impact this account is having on my creditworthiness. 

I would appreciate any guidance or assistance you can provide to help ensure that my rights are protected and that this matter is resolved in a fair and timely manner. 

Thank you for your attention to this matter. 

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

There are accounts on my credit report that should not be reporting. I already sent a letter and request to remove these accounts but was ignored. This is affecting my financial character badly.
Product: Debt collection

Although I do not owe this company and the debt is a result of identity theft, this company is reporting a debt that I do not owe. 

I've spoken to innovative on several occasions they insist on sending me to other companies. 

INNOVATIVE RECOVERY INC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an invitation to apply for a credit card through Capital One that said will not affect your credit score and after I had done it it in fact did affect my credit score by over XXXX points and I tried contacting them asking them why they said it would not affect my credit score and still to this day I can not get an answer. I've searched through trying to find a way to dispute it to no avail and I just need help to get this off my credit report and give me my score back that I had prior which was over XXXX finally. So any help would be very appreciated.. Thank you
Product: Credit reporting or other personal consumer reports

DEAR, TRANSUNION I WOKE UP WEDNESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF IDENTITY THEFT... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX,
Product: Credit reporting or other personal consumer reports

POSSIBLE FINANCE HAS LIED AND CONTINUED TO NOT UNDERSTAND that the account is NOT MINE AND NEVER LATE!! I recently reviewed my credit reports and found an account that does not belong to me. As you know, listing these accounts on my credit report is a violation of the Fair Credit Reporting Act. I demand that you remove ALL POSSIBLE FINANCE ACCOUNTS FROM ALL CREDIT REPORTS AND RECORDS!!
Product: Debt collection

My identity was apart of an XXXX BREACH ( XXXX ) a XXXX BREACH XXXX XXXX XXXX  AND A XXXX XXXX XXXX BREACH XXXX XXXX XXXX all of these breaches are verifiable. ALSO, XXXX XXXX STOLE my ID and wallet after I hired them for a catering gig in XXXX he used my debit/credit and Identity for multiple transactions that I didnt know about because I am XXXX AND LIVE IN XXXX. 
Any accounts were taken out fraudulent and they need to take my name off any reports. I tried calling XXXX financial multiple times and was met with hostility and was told there is nothing they could do about it. I filed a restraining order against XXXX XXXX and they can search it thru the XXXX  court records with his last name. I am a VICTIM OF IDENTITY THEFT. To XXXX XXXX, I DID FILE IDENTITY THEFT REPORTS FOR ANY/ALL ACCOUNTS OPENED FRAUDULENTLY IN MY NAME. I dont have a XXXX XXXX because I am a XXXX citizen and my visa expired in XXXX the debt is {$9900.00} please erase me off this fraudulent debt Attached is my REAL ADDRESS IN XXXX XXXX THE PAST 20 years. My XXXX PASSPORT WITH MY REAL PICTURE WITH MY XXXX LONG HAIR
Product: Credit card or prepaid card

This Bank illegally froze my account that pulled my credit report approved me for an XXXX CC I have no fraud alert spent three times on phone validing into to activate my card .. Now asking for Documents ( Copy of ID Etc ) that's fully illegal in it self as banks by federal law are not entitled with individuals documents with along all these data breaches etc.. XXXX
Product: Mortgage

I am a flagstar customer. I was in active foreclosure until XX/XX/2019. Flagstar would not help me. I reached out to the ga hardest hit funds. The ga hardest hit fund approved my request sent flagstar the amount to bring my loan current. I checked on flagstar website not sure of the date but late XX/XX/2019 and the had sold my loan to XXXX and on their website my loan was paid up until XX/XX/XXXX. I have proof from the last complaint against flagstar. On XX/XX/2019 flagstar called me asking when will I be making my XX/XX/XXXXpayment. I said I am paid up until XX/XX/2019. They have took those payments from me and paid advances. But my advance was paid with the XXXX. I really think someone at this company is deliberately trying to put my loan in default so I can lose my home. When I call my call is still routed to the default department. Why? I am caught up. I requested XX/XX/2019 to have those funds moved back to my payments. I checked this morning XX/XX/2019 it looks like I am due 4 2 payments. How is this possible. Flagstar is doing alot of underhanded things to make sure I lose my home. I was not prepared to make a mortgage payment until XX/XX/XXXX like the letter and my online account stated. I hope they honor this letter signed by their office of president. If not I am moving forward with filing a lawsuit ag6this company. Because somebody is doing something illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. 
I arrived to XXXX XX/XX/XXXX. 
As I got to know from my credit report someone used my SSN to open an account on XX/XX/XXXX with XXXX XXXXXXXX XXXX XXXX 
Account was closed on XX/XX/XXXX due to not payment. 
On XX/XX/XXXX I called mentioned above bank and I was told that they have all my information including XXXX. 
Phone number that is registered with account is XXXX, added is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. 

At the moment XXXX very concerned about identity theft. 

Would like to to conduct investigation. 
On my part I will do police report as well.
Product: Credit reporting or other personal consumer reports

I should have no collections or closed account or late payments. Any of the above mentioned are false ill attach and show all three reporting agencies are not matching info. Any collection charge off account was unverified. I also never consented to contract. I also opted out. This has been going on for over 6 months I dispute they refuse to accept. There are multiple of the same accounts listed which also unverified and not mine. Please refer to the privacy act of 1974, public law chap 48,48stat.112 hjr192,15usc6802,15usc1681 permissible purposes, nonmailable address being shown on report please refer to privacy act1984,15usc1666 treatment of credit ,18usc1028 fraud and related activity ( i didn't consent to contract or give authority ) ,15usc1681c-2 ( a ) ,12usc1431,42usc408, ucc3-104, public law 73-10,31usc5118 HJR192, THE FAIR CREDIT REPORTING ACT 15usc1681sec ( b ) written consent ,6801,6802 ( c ) ,16cfr313 privacy of financial consumer info,16cfr313.2 purpose and scope ,15usc6802 opting out ,15 usc6508 inaccuracies reporting ( make my utilization 0 ) ,20usc1232g & 34cfr99 student loans, privacy act 1974 right to privacy. Its also not my duty to verify personal info on myself. My credit report should have ONE NAME, NO COLLECTIONS, NO CHARGE OFF ACCOUNTS, NO LATE PAYMENT. ALL HAVE BEEN PROCEN TO BE UNVERIFIED! Negatively effecting my credit score. Please fix immediately. Your acting in dishonor.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : TransUnion XXXX XXXX XXXX XXXXXXXX, PA XXXX I am requesting information on my delinquency or derogatory behavior. I want any potential negative information to be confirmed and would like to know the absolute truth and facts about it, even if it is certified. I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG, " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report. 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX Inquiries XXXX XX/XX/XXXX TransUnion I noticed unauthorized inquiries on my credit report and contacted the creditors who placed them. I asked them to remove the inquiries and cease their activities, but they have failed to respond. I must request your help in resolving this matter. I request you investigate the inquiry on my credit report to determine who authorized it. If it is found to be unauthorized, please remove it from my credit report and send me an updated credit report. If it is found to be valid, I request a description of your investigation procedures. 
Respectfully, According to the law, you and data furnishers must certify all aspects of required FCRA/Metro 2 compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms! 
XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, CA XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Debt collection

XXXX XXXX XXXX card sent me a letter stating i owed them money up in till they sent me the letter i have never even heard of XXXX XXXX XXXX call and told them i have never had nor do i wont one of there cards the account was sold to XXXX XXXX i have asked them for validation more than once and nothing from them ( XXXX  XXXX XXXX ) now onXX/XX/2019 i get a letter from resurgent capital services in XXXX MI that they bought the debit from XXXX i sent a validation letter out to them the same day mind you XXXX XXXX XXXX and XXXX XXXX and now resurgent capital services are all 3 are reporting on my credit report as owning the debit
Product: Checking or savings account

I was Baited into an online dating site on a {$99.00} Transaction ... see previous complaints, Temp credit was reversed, and then redeposited into my account, the data files for this complaint were merged and some of the uploaded data was lost as well as notes in claims to make this go away.. to do they they would request a non communicating merchant agree to give me a refund ... they took this out, then they took another fee out unrelated to this that I mentioned being a long standing customer ... The Same Claims People making something go away took over {$200.00} out, causing an account issue # 1 as an it student I can not deal with this and # 2 I refuse to be ripped off ... spent a week on the phone started again to call and my account was in the process of being closed. All Claim data was rejected I took my time out again only to find out they are closing my account.
Product: Vehicle loan or lease

From the dates XXXX of XXXX XXXX of XXXX I paid {$500.00} every two weeks when my payments was {$250.00} every two weeks. From XX/XX/XXXX to XX/XX/XXXX I paid {$600.00} every two weeks when my payments was {$250.00} every two weeks. From the dates XX/XX/XXXX I paid staggering payments through out the year XXXX ranging from {$500.00} to {$1200.00} a payment. Then Us auto sent my loan to a collection company called west lake portfolio and my account was never late. Now Im in repo status and no one can show me where my money went to. Can you please have with this matter. Thank you!
Product: Credit card or prepaid card

This is a formal request for an investigation of this account. There is a possibility that this information may be inaccurate.
Product: Credit card

Target bank is showing a balance of XXXX and this account was discharged in bankruptcy. I should be showing a XXXX balance because I am no longer liable for the debt under chapter XXXX bankruptcy laws. I would like Target to change this incorrect to show XXXX it it ruining mt credit worthiness to purchase a home. 
Account number XXXX A bankruptcy discharge is granted by the bankruptcy court to release the debtor permanently from personal liability for certain specified types of debts. In other words, the debtor is no longer legally required to pay any debts that are discharged. The debtor will usually automatically receive a discharge, excepting there is litigation involving objections to the discharge. The discharge prohibits the creditors from taking any form of collection action on discharged debts, including legal action and communications with the debtor. If a creditor attempts collection efforts on a discharged debt, the debtor can file a motion with the court, reporting the action and asking that the case be reopened to address the matter. A creditor can be sanctioned by the court for violating the discharge injunction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a detailed complaint regarding unauthorized inquiries and false reporting on my XXXX, XXXX and Equifax reports. I have been a victim of identity theft, and there have been multiple inquiries on my XXXX, XXXX and Equifax reports that I do not recognize. I am a former XXXX XXXX military member, and I was frequently XXXX, which made it difficult for me to monitor my accounts regularly. I have previously filed a complaint with XXXX, XXXX and Equifax but I was told that I needed to be more detailed in my request. 
I am requesting that the following inquiries be removed from my XXXX, XXXX and Equifax accounts immediately : * XXXX XXXX - Inquired on XX/XX/XXXX * XXXX  XXXX  - Inquired on XX/XX/XXXX * XXXX XXXX XXXX - Inquired on XX/XX/XXXX * XXXX  - Inquired on XX/XX/XXXX * XXXX XXXX XXXX - Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX * XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX * XXXX  XXXX XXXX - Inquired on XX/XX/XXXX * XXXX - Inquired on XX/XX/XXXX * XXXX XXXX- Inquired on XX/XX/XXXX * XXXX - Inquired on XX/XX/XXXX * XXXX XXXX- Inquired on XX/XX/XXXX * XXXX  XXXX- Inquired on XX/XX/XXXX * XXXX XXXX  XXXX XXXX - Inquired on XX/XX/XXXX * XXXX  XXXX- XXXX on XX/XX/XXXX * XXXX XXXX XXXX - Inquired on XX/XX/XXXX * XXXX XXXX- Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX * XXXX XXXX  XXXX - Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  - Inquired on XX/XX/XXXX * XXXX XXXX  XXXX XXXX XXXX * XXXX XX/XX/XXXX * XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX and Equifax is reporting that I am late on accounts or past due, which is not true. I would like these inquiries removed from my credit report, and I request that my credit score be updated back to an outstanding rating. 

As a former XXXX XXXX military member, I was often away from home and do not have the means to monitor my accounts as frequently as I would like. Therefore, it is imperative that my accounts remain secure and that any unauthorized inquiries or false reports are removed as soon as possible. 

Thank you for your attention to this matter.