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

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX  Phone : XXXX XXXX XXXX XXXX DISCOVER FINANCIAL SER XXXX  READS WAY XXXX XXXX, DE XXXX Dear { DISCOVER FINANCIAL SER } This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : DISCOVER FINANCIAL SER Made on : { XXXX XXXX AND XXXX XX/XX/XXXX } Made with : XXXX, XXXX, AND XXXX TO INCLUDE ANY REPORTING ANGENY USING THE SSN AND NAME To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. 
Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely, XXXX XXXX XXXX ATTORNEY OF FACT SIGNED WITHOUT PREJUDICE All inquiries and reported information are to be restricted to the consumers ' wishes in writing. Thus no other reports will be submitted without the consumer 's knowledge or written permission. DATE XX/XX/XXXX Claim initiated
Product: Debt collection

I had a trash collection company that I contracted with by the quarter. My last quarter contracting with them was XXXX, XXXX, XXXX of XXXX  and it was paid in full. In XXXX I sent written notice to three different addresses informing them that I would not renew for the next quarter and I have contracted with another trash collecting company beginning on XX/XX/2022. The former trash company, XXXX XXXX, hasn't picked up my trash since XX/XX/2022 but they are been billing me {$84.00} for the service XX/XX/2022 through XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Agent Transworld Systems Inc XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX
Product: Mortgage

in XX/XX/XXXXwe were doing banking at our local 5/3. An extremely aggressive loan officer approached us & asked if we were interested in equity lines. We were n't but sounded intriguing. Long story short we took out lines on several paid up properties that we owned. NO appraisals were ever done. In retrospect WORST MISTAKE OF OUR LIFE!
We have faithfully paid on these for 13 years. We are in our XXXX 's & now difficult to make these payments. We asked 5/3 for help. We worked with XXXX XXXX, Office of the President & it truly sounded as if we could get relief. We jumped through hoops & completed all of the requirements for a loan modification. Worked with XXXX XXXX, Senior Vice President -- all along he said our application was pending. We had 3 equity lines which for sure most likely were fraudulently appraised -- or not appraised at all. We have articles showing that 5/3 made bad loans between XX/XX/XXXXtoXX/XX/XXXX In return 5/3 accepted {$3.00} billion in federal money from the Troubled Asset Relief Program.
These properties will NOT go into foreclosure but it is extremely difficult to make these payments -- In return 5/3 has raised our interest rate THREE TIMES since we began the loan modification process.
We asked for either a loan principal reduction or at least reduced interest rate. THEY HAVE NOT OFFERED ANY HELP AT ALL!! Please we are hoping you can get through to 5/3.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a note on my report that I am a victim of identity theft and yet I receive several collection calls and letters from agencies threatening to pursue legal action for accounts appearing on my report that should not be there.
Product: Mortgage

In XX/XX/XXXX I was able to take a XXXX forbearance on my home loan. Due to pandemic the doors to my employer closed down. Citizens One made it easy to utilize the forbearance as an option. After my forbearance period was over XX/XX/XXXX they had me contact them to set up payment options. I was told the past due would be put on the back end of the loan. They directed me to fill out a loss mitigation application. I did so. 
I submitted all required documents needed. Nobody updated my account for months. I tried to make a payment towards my mortgage and my payment was returned to me. They said no payments are allowed to be accepted during this time. Months went by no update. I contacted them again. Suddenly I got a letter in the mail saying i have been denied due to incomplete application. I challenged this with the representative. They said resubmit all the documents again. Months passed, finally i got a response in the mail stating that i had two options. Died in lieu or short sale. only two options.

This was not my plan to sell my home. I was mislead and they said that they can not allow due to so many months of non payment. Where do i go or what do i do. This is unfair. How can anyone expect to be able to pay lump sum at one time after forbearance and then not be given any options to resolve the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX .... Balance - ; XXXX XXXX XXXX  .... Balance {$4600.00} ; XXXX XXXX XXXX XXXX  Date of request XX/XX/2021 ; XXXX XXXX XXXX XXXX of request XX/XX/2021 ; XXXX XXXX Date of request XX/XX/2021
Product: Debt collection

FOREMAN FINANCIAL-XXXX I had become ill and was on workers comp for almost XXXX years. I was unable to pay for the vehicle which was purchased for {$9900.00} and I paid {$2500.00} down with monthly car payments of {$250.00}. Due to short pay and hours due to workers comp I was unable to make the payments. Foreman Financial picked up the vehicle XXXX years ago and they are reporting the car as missed payments each month XXXX times and also shows vehicle is charged off but keeps reporting missed payments and the balance amount is false. They keep reporting {$9900.00}, {$11000.00} and {$12000.00} as owed which would mean I never made any payments at all when I did. They keep reporting this which is damaging my credit and I receive alerts XXXX times a month regarding missed payments when the debt was charged off and car was repossessed. Foreman Financial has been sued for their unfair collection and reporting practices and this company still continues to do so unfairly to damage and ruin others credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get my credit reports so that I can keep all information up to date, and have already reached out to all 3 major companies and have called and just get the runaround from all 3 credit reporting agencies. I have called multiple times during the last 14 days and no one can give me any information on how I can dispute the information on my profile. 
I have received notifications telling me that my SSN and name have been taken and have tried to get things challenged and have been told I ca n't do that by a woman named XXXX from Experian. XXXX from XXXX has told me the same thing and XXXX XXXX from XXXX said even if I sent them information to identify myself they would do nothing but keep my information for their own enjoyment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is in violation of Title 15 1681 Section 2 8E ( 3 ) for failure to respond to my dispute on the Alleged Charged off Account XXXXwhich accused them of furnishing inaccurate data on my credit report. They are also in violation of Title 15 1681-S2-1 ( B ) for reporting information after notice and confirmation of errors My dispute was received by this company on XX/XX/2021 I am yet to receive a response from them, yet this alleged charged off item is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's inquires on my Report that i don't recall or recognize and i need to come off my credit because i don't recall consenting to any authorization on my Report
Product: Credit card

Someone stole my personal information and opened 2 store credit cards ( XXXX XXXX XXXX and XXXX ). There were purchases made under those two cards of almost XXXX dollars. I have been receiving mails from debt collectors asking me to pay that amount that I have no idea where it comes from
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a second XXXX letter on XX/XX/2019 asking all XXXX credit bureaus to verify collections that are reporting on my account that do not belong to me! XXXX  bureaus have removed the accounts and transunion and XXXX have not gotten back to me it has been over 30 days.
Product: Debt collection

There is a phone number that keeps calling me repeatedly and asking me to call back. It always starts with a man whistling a short tune and then, in a threatening tone, the man always follows the whistle with a message that says " this is a debt collector, call back immediately. '' In one message, the man asked for my social security number to be ready and available when I call back. He never addresses me by name, and never leaves any additional details. I know for a fact that I do not have any debts that have went unpaid. I am in college and still live at home with my parents and I have no bills. I did live in an apartment for a short while, but I was never behind in my payments and immediately received my deposit back when I moved back home. I also cancelled my internet services and confirmed the cancellation with the workers in the local office several times to be sure. All of my school loans have been deferred until I complete school and I receive statements for those every month -- they are from the government and state that I currently owe nothing. I have another full year of school to go. There is nothing else out that that I have ever had a bill for. This company calls me EVERY DAY and leaves vague, creepy messages. I would like for it to stop. Based on research that I have done online, they appear to do this to several individuals, many of whom suspect that it is a scam. I have looked up the supposed agency that it is linked to according to the internet, but I can not find information on the agency anywhere.
Product: Credit reporting or other personal consumer reports

I have made disputes on what is being reflected on my credit report, requesting proof of ownership, it is also harming my ability to rent and buy a home. Advancing in my carrier.
Product: Student loan

On XX/XX/XXXX I was contacted by XXXX XXXX to consoldiate my student loans and to enter in to a student loan forgiveness program. There contact information is XXXX address is XXXX XXXX XXXX XXXX . XXXX XXXX CA XXXX. Starting XX/XX/XXXX through XX/XX/XXXX the company ACH debited my account for each months for a transaction of {$100.00} and a seperate transaction for {$0.00}. i was contacted by XXXX my actual Department of Education Loan Servicer on XX/XX/XXXX stating that i was 177 days past due and was fixing to be in default with my federal student loan. i told them that i was working with a third party servicer paying them a monthly payment towards my loan. They informed me that i was involved in a student loan scam and gave me the number to contact CFPB. I have also contacted my bank that the funds were withdrawn from and have put a hold from this company to withdrawl and more funds. This company has taken {$1600.00} feom my account and refuses to pay it back to me.
Product: Money transfer, virtual currency, or money service

A person pretending to be a cash app agent led me to believe that my account has been compromised, and asked to share my screen with them while they investigated the problem. All the while they had me to preform certain actions that allow them to withdraw money out of my bank using my cash app account. They had me to remove my debit card and to replace it with a number they gave me. After doing so they had me to transfer {$790.00} from my bank account, by stating that they where trying to see if it was my card that had been compromised, they me to then replace that card with my debit card and try to make a withdrawal, thats when my bank declined it stating there was not enough funds, thats when I realized I had been scammed.
Product: Credit reporting or other personal consumer reports

Netcredit ran my credit XX/XX/scrub>XXXX  without my permission
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Debt collection

United Collections Bureau claimed they sent a debt collections letter on XX/XX/2021. I received the letter from the United Collections Bureau on XX/XX/2021. The letter stated that I owed a debt to XXXX XXXX XXXX in the amount of {$450.00}. I sent them a debt validation letter on XX/XX/2021 to gain information about the debt. I never spoke to them over the phone and kept everything by mail. United Collections Bureau sent a validation response on XX/XX/2021 that arrived by mail to me on XX/XX/2021. The paperwork was bank statements from XXXX XXXX XXXX for a payday advance-style account. I didn't recognize the debt in the account specified in the paperwork. The paperwork also stated that the account had been charged off over a year ago. I also noticed that there was not any paperwork for the original contract, with an actual, legible signature, related to the debt. I have no evidence of when it was sold to the debt collection agency and I am not even sure if this account can be verified since there is a possibility that the account has been sold repeatedly. I need to know immediately whether or not United Collections Bureau has ownership of this debt, the legal authority to collect it, and that this is not a scam collection. Given the paperwork that United Collections Berau sent me, they acquired this claimed debt on XX/XX/2021 at the latest. I disputed the debt in the form of a verification letter on XX/XX/2021 since it was missing the information of who the creditor is and how the debt was collectible by United Collections Bureau. For some reason, in the latest correspondence from the United Collections Bureau on XX/XX/2021, the employee Ms. XXXX assumed that I wanted to cease communication by mail. This is not what I stated in the dispute letter I sent on XX/XX/2021. I clearly stated that United Collections Bureau needs to close my account and throw out the debt if they can not prove ownership and the right to collect the debt. I need for them to continue to send me mail correspondence about this debt until it is resolved. I am mailing them a letter to confirm that they will send me mail correspondence in regards to this account moving forward. She also did not answer whether or not United Collections Bureau owned this debt or had the authority to collect it which was also written in my XX/XX/2021 verification letter. United Collections Bureau violated my FDCRA and FCRA rights when the debt collection letter was received over two weeks after I requested the debt validation. They also have not made it clear whether or not I legally have to pay them for this debt and whether or not they are the creditor of this debt. 

Also. They do not have my DOB, Social Security Number, Full Name, and other identifying information that they asked me for. I refuse to give it to them and have copies of all of our correspondence thus far. Please also obtain any documentation from them in writing instead of word of mouth. I am concerned that they have given me false information during our mail correspondence. They also misspelled a lot of my personal information in their response letters. Just saying.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and became aware of a collection reported by IC System that was opened on XX/XX/year> with a balance of {$1600.00} for a medical debt. I do not have any medical debt. I am looking to validate this account and provide a breakdown for this debt and where it originated from. 

reviewed my credit report and became aware of a collection reported by IC System that was opened on XX/XX/year> with a balance of {$1600.00} for a medical debt. I do not have any medical debt. I am looking to validate this account and provide a breakdown for this debt and where it originated from. 

A fair resolution will be for IC system to use the upload tool on XXXX XXXX to provide validation- if they are unable to validate this debt they must remove this account from my credit report immediately.
Product: Checking or savings account

XXXX at Bank of the West XXXX XXXX in XXXX XXXX, NV opened a business checking account for me and my business in XXXX of XXXX. As a new business, I instructed her to open an account that does not have a minimum balance requirement, and with fees that can be negated by simply making a deposit. She did not do so, and instead opened an account that had a minimum balance requirement of {$5000.00}. This error caused me to incurr XXXX XXXX monthly bank fees for every month since. When contacted, XXXX did not address her error. I have also contacted the branch AND corporate, all of whom have also failed to rectify the matter. I have called and emailed SEVERAL times. I am demanding a refund of the fees taken from my account from XX/XX/2021 until now, totaling {$100.00}.
Product: Debt collection

I haven't received anything in the mail from this company I saw reporting on my credit report. I do not owe the balances saying I do. I have disputed with no validation being received. Please help
Product: Credit reporting or other personal consumer reports

Someone tried to used my personal information to apply for an auto loans without my knowledge or permission which put XXXX inquiries on my credit report.
Product: Checking or savings account

I had a total of 37 transaction dating back to XX/XX/2019 to XX/XX/2019 where I filed a dispute with HSBC because I never received the items I purchased. On XX/XX/XXXX of this year, I filed a dispute on all these transactions following the protocol HSBC advised me of. I was told the merchant has 45 days to respond to my dispute and if they haven't, I would be refunded my money. As of today 's date, which is the 50th day, I have not received my funds nor had the bank communicate to me as to why I haven't received it even though they have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed all the credit inquiries on my account and asking for proof of inquiries also I disputed a report from XXXX XXXX XXXX that was closed 3 years ago and the amount due just keeps going up. I asked them to provide original documentation with XXXX signatures from both parties and no response!
Product: Credit reporting or other personal consumer reports

I have never had an account with XXXX XXXX ACCT # XXXX, and have no knowledge of this account. Under Section 604 15 US Code 1681 B, it states you DO NOT have the right to report anything on my credit report. Under Section 605 A 15 US Code 1681 C-1, it states that with no consent, that equals identity theft. Please DELETE this account as soon as possible as it goes against my FCRA rights, as its showing a violation of HIPPA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request to correct my personal on my credit file. 
I have been a victim of identity theft and your company is leaving me open for someone to retrieve my information. 




I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review, and you still have npt corrected my information. 

Creditors do not own my information. Creditors do not dictate what can be reported. 
The information on my consumer report is incorrect and I need it corrected. You are violating my rights as a federally protected consumer by not reporting accurate information. 

Report XXXX XXXX The only name should be showing is : XXXX XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, account XXXX XXXX XXXX acct # XXXX 15 U.S.C. 1681 Section 602 A states I have a 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 written instructions.