23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that I have a hard credit inquire from your company on my XXXX, XXXX and XXXX XXXX credit file dated XX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. 

Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 

I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/XXXX with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXXXXXX # XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. 

Please contact me if you have any questions. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX Email : XXXX XXXX
Product: Debt collection

The dispute of this debt was going to be justified by XXXX They removed it from my credit. The company than sold it to another and placed it back on my credit report.
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. 
XXXX XXXX XXXX XXXX XXXX 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

I received two letters stating that I owe Shepherd Outsourcing LLC, {$2000.00} and {$580.00}. 

They claim that I have an account with XXXX XXXX XXXX. I do not have an account with such a firm. I also have no knowledge of the original creditor of XXXX XXXX. I had zero medical issues 5 years ago when they claim I owed these amounts. 

These seems like a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

# I send to the 3 credits bureau certified letter asking for proof of contract and documents the certificate the people or companies the report to them ( credit bureaus ). Have the proper documents and proof of contract. I need physical proof copy of documents. They do n't send the documents so I demand they remove any adverse information from my credit report. Because that cause a lot of problems to me to get credit buy a car or get a job. Is becoming a so unfair to me the any company the thinking to ruin my life or putting pressure on me. Use credits bureau as weapons to bring me to te point to surrender. I just want a fair treatment I 'm hard working man abuse by the sistem. the this corruption the credit bureau and this agencies have over working people is a unlawful and corrupt. Please help!! I need a proof os contract from this people I need license # s and I need all this on paper. Please if they ca n't provide the contract remove all adverse information of my credit report plus all Inquiries of my report the I get because the unlawful negative info on my credit. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this account. I think they have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XXXX XXXX XXXX : {$0.00}
Product: Credit card or prepaid card

American Express annual fee which I have repeatedly requested a copy of the application which they state I signed indicating authority to charge an annual fee which I have not although for the past five years or more they continue to bill this fee each year indicating the same response that they will send my executed copy of the application-The latest charge was on XXXX XXXX 2017 in the amount of {$95.00} each year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request for validation for the debt they claim I owe them, they received my initial letter on XX/XX/2017. They didn't reply in a timely matter of 30 days. Also they didn't furnish the credit bureaus with a notice of dispute on my account. I sent a letter to the President of the company XXXX XXXX explaining all of this and told him his company needed to delete it form my credit reports but he chooses not to.
Product: Debt collection

Midland Credit Management : I set up a payment plan to take money out of my card with routing and account number ; and I specifically told them to take it out on the specific date. They took the money out on a Sunday ; the day before I had money in the account ; and the amount did not go through ; They did this on their own accord because they are so greedy and ruthless ; they did not do what the client asked them to do. Since they did not get the payment ; I have a call from them everyday harrassment ; Monday through Sunday ; every day calls ; I answered one call and told them they could take the money out of the account I previously gave them ; and they told me I had to do the process all over again ; since they did not get the money off the card because they drafted the money too early ; they canceled the payment agreement altogether. Now I have to be on the telephone with them for at least an hour with their abusive collection tactics. They repeat themselves over and over again with a recording ; telling clients what they are doing over and over again. Each time they give me an Agent to work with me ; then when I call ; they say OH ; that Account Manager no longer handles your account. 

They have very abusive tactics and need to be reprimanded for what they do to their clients by repeated phone calls greed into customers payment plans. They always want a checking account and routing number to pull from your account ; No mail payment plans ; They are sharks or the XXXX I don't which one. 

Please assist in this devastating collection crew!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

The representative from the company told me that the reward points that I earn from my spendings in XXXX will be issued in the reward certificate that I will receive in XX/XX/XXXX. In my XX/XX/XXXX statement, I have earned {$40.00} in reward points from my spending activity up until XX/XX/XXXX. However, they did not issue me this reward amount in the reward certificate that was issued in XX/XX/XXXX. On XX/XX/XXXX, I called the company to request them to issue me another certificate for this balance and they refused, saying that I would need to wait until XX/XX/XXXX to get the issued. I feel that I was misinformed by their representatives.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received confirmation from XXXX that a buyer in XXXX won the bid for my XXXX XXXX. The posting had a no return policy. I received an email from PayPal confirming the payment. On XX/XX/XXXX, I shipped the phone to XXXX. The buyer refused the phone because they did not want to pay the custom fees. They requested a refund through XXXX, which I refused at the time because I did not have the phone. I asked XXXX what were my rights as seller. They stated I could give a partial refund, a full refund, resent or whatever I chose because I handled my responsibilities as the sell. They then requested a refund from PayPal. At that time the phone was still in transition and I declined. PayPal sent me an email stating the case was resolved in my favor. I received the phone at a later date. I communicated with the buyer and asked them what would they like to do. They stated they wanted the phone and requested I put it for a lower cost due to customs. I advised them I could resend but they would have to paying the shipping cost to resend. I was unable to get in contact with the buyer on PayPal. On XX/XX/2018 I checked PayPal and see my account is a negative XXXX and I only received {$850.00}. I contacted XXXX for the refund for my listing and PayPal to dispute the amount my account was being deducted and to offer a partial refund to the buyer. PayPal refused to give any credit even after deciding in my favor or only charge me the amount I received. They stated my case was closed and they refused to reopoen. However, I also received an email from them stating I had to XX/XX/2018 to dispute. And now they are refusing to reopen or create a case on XX/XX/2018.
Product: Mortgage

We have a Buisness Loan with Wells Fargo ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ). During XXXX we were not required to pay on the this loan for several months. This Buisness Loan is under XXXX XXXX XXXX XXXX XXXX XXXX The loan matured on XXXXXXXX There was a remaining principle ammount of {$20000.00}. There were funds in the account to make the monthly payment but, Wells Fargo did not take it. I had been to my local Wells Fargo Bank in XXXX every week since this occurred. The local Wells Fargo Bank ( POC : XXXX XXXX. XXXX ) intially filed a complaint ( XXXX XXXXXXXX ). After a week I got a call from XXXX XXXX in the resolution department for Wells Fargo ( XXXX ; Complaint XXXX XXXXXXXX ). We were told that that our relationship manager would have to make a Loan Modification or extension. This would come from a Commercial loan Representative because, the loan was a Commercial loan. I was instructed to return to my local Wells Fargo Bank. This time the Bank branch manager got me two points of contact in the main office ; XXXX XXXX ( XXXX ) & XXXX XXXX XXXX XXXX ). I waited 3 days as requested and began to call weekly. All I got was voicemail with XXXX XXXX. No one every has called back. I went back to my local Wells Fargo Bank and asked what to do. This went on for a month. 
Finally, I got a call from XXXX XXXX ( Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX | XXXX, NC XXXX XXXX XXXX Telephone : XXXX Fax : XXXX. 
He took care of everyone but, I had to pay {$2000.00} as a code XXXX interest payment. We were told our mortgage had been extended/modified until XX/XX/2023. We made the requested payments. We were given doxumentation in writing that there was no fee for modification, no penalty & the paymenrs would remain the same. 
We just found out that Wells Fargo charged us 10 % per month or 120 % per year for not making our mortgage payments. This is extremely unfair if not ridiculous. It took a month for me going to the bank almost every wekk to get them to recoginize there was an issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are more inaccuracies than correct info. XXXX accounts are not even my name. My ex added me to multiple accounts and I 'm having a hard time getting rid of her info on my credit report. Also I 've had medical insurance since before the bill accrued
Product: Mortgage

On XX/XX/2016 Gateway Mortgage sent an escrow disbursement to my homeowners insurance company. On XX/XX/2016 thee check was returned by the bank which meant my homeowners insurance was n't paid. I got a notice from the insurance company about this which said the payment was due on XX/XX/2016 and they never received a payment. I got in touch with the mortgage rep who emailed the escrow dept and I guess they sent another check by regular mail which means the insurance had not gotten it on XX/XX/2016. Nobody ever offered any kind of explanation for what happened. If my insurance agent had not called them we would have never know they even mailed another check late. I had more than enough money in my account to cover the check. I think they owe me some answers for this, for which they refuse to give. They wo n't even say I 'm sorry. If you call and ask for a supervisor they will just tell you they are all in meeting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureau Equifax to investigate my credit report for inaccuracies and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ). 
I received the investigation results as not being reported and it is not possible due to the multiple errors and derogatory marks. Equifax did not do a complete investigation to verify the information as accurate. 
I am entitled to an accurate credit report. How is it possible that the listed accounts were validated, accurate and investigated if the reported information is wrong and derogatory and a violation which is cause to be deleted from my credit report. 
I have enclosed documentation proving multiple violations. All information regarding the all of the closed XXXX XXXX XXXX accounts, closed XXXX  XXXX account, closed XXXX  accounts which are inaccurate on my Equifax credit profile which is a violation of the Far Credit Reporting Laws. A previous credit report and updated credit report is enclosed. 
These violations are holding me back from getting funding for my business, its hurting my car loan rates and payments. Equifax is violating my rights by not doing a complete investigation and reporting inaccurate and negative information. 
15. U.S.C 1681 section 602 A. States I have the right to privacy.

15. U.S.C 1 681 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 seven years.

15. U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : 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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these accounts with ChexSystems and they only removed one. All 3 accounts were fraudulently opened. 

XXXX  XXXX XXXX {$690.00} ( Suspected Fraud Activity ) XXXX  XXXX XXXX {$180.00} ( Suspected Fraud Activity ) XXXX XXXX  {$440.00} ( Suspected Fraud Activity ) - RECENTLY DELETED
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr. XXXX is the victim of identity theft/fraud resulting from XXXX Dept of Social Services and 42 U.S.C. 654 ( 3 ) or ( " Child Support Enforcement '' ) misappropriated his good name, likeness, image and biographical facts in order to achieve federal funding. The defacto agency unlawfully obtained and used his confidential and personal information in making a fraudulent account '' XXXX ''. ( " Child Support Enforcement '' ) and XXXX Law Dept or Corporation Counsel admonition before United States District Courts, willfully and wrongfully entered default judgment ; while Mr. XXXX was in the XXXX XXXX in violation of SSCRA Act. XXXX Support Collection Unit Supervisor XXXX XXXX, Collection Representatives Mrs. XXXX and XXXX XXXX, conducted an intrusive investigation into facts, through discovery affirmed XXXX Unified Court System ; Family Court of XXXX XXXX and Hearing Examiner ( Surrogate Judge ) XXXX XXXX XXXX filed a false petition, resulting in violation of SSCRA protected member rights and cause of damages to date. Experian negligentlyviolatedboth 1681e ( b ) and 1681iInaccurate credit reportsdirectlyimpair my banking and credit ; 1681g and 1681e ( b ) in violationsof Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) not permanently remove the fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to  request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account.
Product: Debt collection

Sequium added an account to my credit that does not belong to me. I never received any notice, letter, or contact from this company and never heard of them until I checked XXXX XXXX. When I call Sequium ( FOCUS RECEIVABLES MANAGEMENT ) no one answers and the voicemail is full. I have sent several emails that go unanswered. I have never had a XXXX XXXX XXXX account. This account does not belong to me. I sent Sequium a letter to dispute XX/XX/2020, got no response. As of today, no reply has been received. Sequium first broke the law by failing to provide any notice before it was added to my credit. Sequium continued collection activity after I contacted them by verifying the item with all three major bureaus while ignoring my request for verification. This is wrong and illegal ; Sequium has no signed contract, no audio recording, no e-signature, nothing to verify this is mine because it is not my account. 

I do not even know the address where the service is located because no one responds. Also. I am a former XXXX XXXX XXXX employee, but I have never had the service.
Product: Student loan

I called Premier student loan service and spoke to a rep who said that I would pay {$240.00} for XXXX months and then {$100.00} for every month after that for XXXX months then after speaking to him and submitting some information he got back on the phone and said that I would pay XXXX for the XXXX months and now my payment would go up to {$230.00} per month so I need some help in rectifying this problem because I believe that its a scam. The rep also said that he could get my payments for XXXX XXXX XXXX deferred but then said that wasnt possible and I would have to pay XXXX XXXX XXXX and pay him as well and so I believe that this is a scam