23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The account is not my account and I have never had any business with Duvera/ XXXX Pay XXXX. I sent a letter regarding this debt collection attempt to this company indicating that this debt is not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that I have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a legitimate signature and state issued ID validating that I authorized this account. I have attached a copy of my ID Theft report and letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 for the amount of {$3800.00} from XXXX XXXX I have contacted XXXX XXXX  and they have sent me a statement saying that the information is incorrect that they're overcharging me but they're refusing to do anything about it
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Services XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I am writing to formally dispute an unauthorized inquiry that appears on my credit report. This inquiry is a violation of several federal statutes designed to protect consumers, including the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The specific statutes that have been violated include : 15 U.S. Code 1681b Permissible Purposes of Consumer Reports : This section restricts access to credit reports without explicit consumer authorization or a legitimate purpose. 
15 U.S. Code 1681e ( b ) Accuracy of Credit Reports : Consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of Certain Transactions from Consumer Reports : This section specifies the types of information that should not appear on a credit report.

15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information : This law mandates that financial institutions obtain a consumers consent before sharing personal financial information with third parties.

15 U.S. Code 6803 Disclosure of Privacy Policies : Institutions must provide clear and accurate disclosures of their privacy policies regarding how consumer data is shared.

18 U.S. Code 1028A Aggravated Identity Theft : Unauthorized use of personal identifying information can constitute identity theft, which carries serious legal consequences.

The inquiry I am disputing was made without my knowledge or written consent. This unauthorized inquiry is both inaccurate and a violation of my rights under the aforementioned statutes. 

Given the legal implications, I respectfully request that you : Immediately remove the unauthorized inquiry from my credit report. 
Ensure that your procedures for verifying inquiries comply with the above federal statutes. 
Send me an updated copy of my credit report reflecting this correction. 
I have attached copies of my identification and proof of my current address for verification purposes. 

Thank you for your prompt attention to this matter. I expect a response confirming the removal of the unauthorized inquiry within 30 days of receiving this letter. If no action is taken, I reserve the right to pursue further legal remedies. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting inaccurate information the following accounts date last active is incorrect I notified the company via postal mail on XX/XX/XXXX the company has responded that all information remains the same and I disagree there reporting in accurate information and are in violation to 15 U.S.C 1681 transunion is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX 2023
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 how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my 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  Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/2017 - Forward Movement Recovery has been calling and leaving threatening voicemails that if I do n't call them back they will contact my family. They have called my uncle on his work phone, home phone and cell phone ; and they have called my grandparents. They are asking for XXXX XXXX, my maiden name was XXXX so they do n't even have the correct last name. 

I returned their call XX/XX/17 and they refused to give me information without telling them my social security number. I refused to give it to them so they would n't tell me why they were calling. I have my credit report monitored so I know there are no collections or derogatory information. 

I believe this is a scam and it 's very unsettling that they have my family 's private numbers that I do n't even have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need some help I have disputed a public record appearing on my credit file several times. This is inaccurate information against me. I have called the court house and nothing is listed under my information but this appears on my credit file. Please help resolve
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 : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : has violated my rights. Or a 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 or other personal consumer reports

I have 2 fraudulent/unauthorized inquiries on XXXX I checked the XXXX and noticed XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX On my Equifax report I noticed XXXX fraudulent/unauthorized inquiries from XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX On my XXXX credit report I noticed XXXX fraudulent/unauthorized inquiries from Ally XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account from XXXX XXXX XXXX on my XXXX  and XXXX Reports. They say the original creditor is XXXX XXXX XXXX, which is another collection agency, not a creditor. I have never had credit with either company and have never been contacted in any way by these companies, it just showed up on my credit reports in XX/XX/2018. They say the debt is {$860.00}. But I do not owe them anything. When I have disputed it with the agencies, XXXX certified it as accurate, but has never contacted me or provided information to me regarding this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not on this loan but they are still reporting it to the credit bureaus. My licence was suspended at the time so I could not cosign on the loan. The car is in my wife 's name only. I attempted to dispute through the credit bureaus but that has not worked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to assist my son in getting a car. I gave permission to one dealership now I have received DENIALS from at least 5 dealerships.I have contacted yhe credit bureaus to complain about this and they are not removing them. These inquiries are hurting my credit score and my ability to obtain new credit.
Product: Credit card or prepaid card

I had a Capital One Journey MasterCard. This was my very 1st card. After paying my bill around Mid XXXX -early XXXX, I deiced to go buy some things. The Next, Morning I get a notification that my account is DOUBLE my original balance. I Immediately call Customer Service. They tell me, That a payment of {$930.00} was returned ( My balance was only like {$300.00} ). I asked them whats going on. They precede to tell me that there are MORE THAN ONE type of Payment accounts on my card. Baffled, Annoyed, and Honestly Scared I told them that only ONE account is supposed to be on this card. They closed my Account and Stuck me with an over {$900.00} bill. 
Today, I tried to talk to them again. I was not aware of what I could do to fix my problem. They gave an Hour and half run around to tell me its not Fraud so I am stuck with this balance. I am very new to credit cards and have no idea what I am supposed to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following fraudulent charges from my profile. Also the only name that I go by is XXXX XXXX. Any other names are fraudulent. 

Accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am writing a formal complaint against XXXX XXXX XXXX and LenderLive. I closed on my home through a VA Loan on XXXX XXXX, XXXX, through XXXX XXXX XXXX ( XXXX ). XXXX started using LenderLive for servicing payments on my loan without notifying me in advance. I continued making payments on my mortgage. On XXXX XXXX, XXXX, I received a call randomly asking me where I want my payments for my mortgage. The caller claims her name is " XXXX '' and represents XXXX XXXX XXXX. I voice that the call sounds like a phishing attempt as I have never received a call like this. XXXX threatens to return my payments without applying them to the loan. I voice my disagreement with her actions & voice my concerns that returning payments I have made on the loan without applying those payments to the mortgage sets a dangerous precedent. I asked to speak with XXXX 's supervisor, and she refused that request as well. I called LenderLive later to confirm that my payments were being applied to the mortgage. A Lender Live employee confirmed this information later that day. On XXXX XXXX, XXXX, I received a letter dated XXXX XXXX, XXXX, from XXXX XXXX XXXX XXXX XXXX ( XXXX ) stating that my loan is being transferred from XXXX XXXX XXXX. XXXX 's letter makes no mention of Lender Live, leading me to believe it is a phishing attempt. Also, XXXX XXXX, XXXX, I made a call to Lender Live to discuss why a Lender Live employee threatened to return payments and refused to get a supervisor on the phone during our call. The supervisor I spoke with confirmed " XXXX '' made the call on XXXX XXXX, XXXX, and confirmed he would review the XXXX XXXX phonecall. I asked what relationship LenderLive has to XXXX. The supervisor confirmed that LenderLive has a relationship to CENLAR and confirmed that my loan was being transferred. I reminded the Supervisor that mortgage servicers are required to provide written notice at least 15 days before the effective date of the transfer. The supervisor retorted that the letters were sent out prior to the weekend and thus meet the 15 day requirement. The supervisor at LenderLive did not have an answer for why I had received a notice of transfer from XXXX dated XXXX XXXX, XXXX, and yet LenderLive failed to meet that 15 day deadline. In summary, my complaint names XXXX XXXX XXXX, XXXX, and CENLAR. My concern with XXXX is that my VA XXXX is being set up to fail by a mortgage servicer with numerous complaints and XXXX ( XXXX ) star reviews on numerous websites. Finally, the pattern exhibited in my complaint consists of XXXX XXXX XXXX and LenderLive ignoring the laws set by RESPA and the FDCPA and failing to meet the requirements of providing written notice within the set timeframe.
Product: Credit card

I have been trying to get a refund from my secured credit card for several months now. I have submitted 2 written requests and still have no received the {$200.00} refund. I have received statements from XX/XX/2023, XX/XX/2023, and XX/XX/2023 showing a credit on the account and refund due to me. All of these statements were sent to me via mail while the check has not arrived in the mail. There has been no proof via a tracking number to show the check has been sent, even though I have requested tracking or proof of the check being sent twice. I am once again requesting my refund to be mailed to me immediately and for this case to be escalated. I am also requesting tracking for the check as there has been no proof or update other than telling me to refer to custom service. Custom service does not have access to the refund department and are unable to help me. The company has confirmed my mailing address and has sent me mail, but not the money owed. At this point they are well past the legal time period for the refund after my written request. Please escalate and rush my refund and provide proof via a tracking number for the check being mailed.
Product: Credit card

I have a credit card from Band of America and I set up the automatic payment to pay my balance fully every month. But when I checked my statement, I found that from XX/XX/2015, every month there would be multiple payments to my credit card. One is called PAYMENT DIRECT DEBIT - THANK YOU, the other is BA ELECTRONIC PAYMENT. and in most of months, the combination of these payments would exceed my balance, which led to a credit balance in my account. I just called BOA and the customer service said one of these XXXX payments was not recognized. But I only set up the automatic payment on BoA website. I did n't set up other automatic payment.
Product: Mortgage

Wells Fargo is not trying to help me get a refinance. I have been sending in documents and documents to Wells Fargo and they still say that they dont have any information from me. And Im getting financial behind because they wont try to work with me and they took money out of my account that wasnt authorized. And I need legal help because this is unlawful and not fair to do this to someone and I want Wells Fargo to sell my loan to another mortgage company because I dont want to deal with them anymore because they dont care and theyre trying to take my home away from me.
Product: Debt collection

XXXX XXXX XXXX XXXX is named in a lawsuit as owner of my home. I am requesting document to show they own my home or every owned my home. I also would like any copies of assignments, billing, accounting details, etc from inception of loan.
Product: Credit card

Capital One is requesting a high minimum payment of XXXX, the account is past due and has been, which I understand. However, this amount is too much to pay and is more than my weekly paycheck, it will have to be lowered. I did attempt to have this amount lowered by speaking with numerous reps, all were in the collections dept. They are more interested in making a payment arrangement than actually lowering amount due, an arrangement is just to get some payment out of me regardless if any additional fees or assessed. Please advise them payment amount will have to be lowered.
Product: Debt collection

On XX/XX/2023 national credit systems agreed to delete collection from all credit reports and remove account that was on collections since they have now removed this collection and it was found to be not accurate or valid I am wanting a monetary compensation for the damage that has cause me, I have been getting denied for extension of credit due to that collection being on my credit report. Please provide me a monetary compensation of {$1000.00} as per law for damages
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in 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
Product: Debt collection

No correspondence including collection letter stating my right to dispute collections was received. No phone call and no letters has been received by any mail service. 

I am writing to request validation of a debt that you have reported on my credit report. I do not have an account number for this debt, as I have never received any correspondence from your agency. However, I am providing the following information to help you locate the account : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Please provide the following information : 1. The name and address of the original creditor.

2. The original account number, if available.

3. The amount of the debt.

4. An itemized statement of the charges and payments.

5. Proof that you have the legal right to collect this debt.

According to the Fair Debt Collection Practices Act, you are required to provide this information. Please note that this is not an acknowledgment or acceptance of the debt. A copy of this letter will be sent via certified mail to the address listed on my credit report as well as all three credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I paid my balance in full after interest in fees were assessed. The company then added additional interests and fees that were not actually residual interest since the balance had been XXXX well after the payment was made and the balance was brought to XXXX. When inquiring with the company if they had the correct billing address and email address I was told they had an email address I've never provided. When I mentioned that my account may have been hacked or there is an internal error regarding the balance I was spoken over and nothing was resolved. The current company representatives do not seem to be aware of legal requirements for credit card companies and claim they had no way to put in a fraud report.
Product: Student loan

On XX/XX/22 I received a call from XXXX at Student Loan foregiveness Center. He explained to me my Student loan account was flagged for the new inflation foregiveness program. He proceeded to tell me in detail how the program works. He gave me a reset code for my Financial aid account. I unfortunately gave him my debit card info, and signed documents through a docu e-sign website. I have high suspicion this was fraud.
Product: Credit reporting or other personal consumer reports

This is the second time I've written this complaint, so please excuse me. Last month, I disputed certain accounts with your organization. Despite my best efforts, I am still seeing questionable accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX and Equifax are engaging in a practice that is illegal. They are purposely re-aging an account to keep the account having the highest negative impact on my account for the longest period of time. They are reporting last activity almost 2 years prior to the company charging off the account. they are doing this so the account has THE most impact on my credit report. I have also been paying on this account after speaking to them about the issue for the last 3 months. Therefore everything about this account is incorrect, therefore a violation of my rights and should rightfully be removed from my file.
Product: Credit card

I received ( what I know now ) was an email from Synchrony Bank, in regards to my recent Sam 's Club Credit Application. I followed the link and entered my personal information, pressed submit, but it led to a blank page. I then looked up Synchrony Bank contact number and called to inquire about the email, they and the Sam 's Club Representative they transfered me to said they don't send emails and it was fraud. So to contact you.

I contacted and placed an alert on my credit bureaus right before contacting you.
Product: Credit card or prepaid card

In XXXX, I tried to purchase some souvenir in XXXX from XXXX XXXX ( the vendor ). After swiping my card and taking my signature, the vendor demanded copy of my passport and my social security number before he would hand over the souvenir to me. This appeared a scam and I refused to share this information. I walked out and the vendor did not give me any product. When I saw the charges on my credit card, I disputed it with Citibank, clearly telling Citibank that I did not get any product from this vendor. In their response to my dispute, the vendor admitted that they did not give me any products. 

This was an attempt to extort money from me in a foreign country and despite of knowing all the facts : - Vendor asked for illegal information ( copy of passport and social security ) - I did not receive any products from vendor Citibank is asking me to pay for this charge. Citibank 's fraud department told me that Citibank customer service should simply waive this charge as I never received any goods or services. 

The card used for this transaction has expired since then and Citibank has issued me a new card with a different number that I have provided as part of this complaint.