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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items or information that is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXXXXXX Inquiry :XX/XX/2023. 

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Monday, XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Follow-Up Consumer Opt-Out Dispute - Urgent Action Required Dear Consumer Financial Protection Bureau , I am writing to follow up on opt-out letters dated both XX/XX/XXXX and XX/XX/2023, in which I formally exercised my right to opt out of any and all authorizations, whether written or unwritten, verbal or non-verbal, that I may have given to Experian, XXXX, and XXXX XXXX This opt-out request is made in accordance with my rights as a Federally protected consumer under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

Regrettably, Experian, XXXX, and XXXX have chosen to ignore both of my opt-out letters entirely, and my consumer information continues to be furnished without my consent. This persistent violation of my rights under the FCRA is unacceptable. 

I am now submitting a formal dispute with the following requests : XXXXImmediate Removal of All Furnished Accounts : XXXX  I request that Experian, XXXX XXXX and XXXX take immediate action to remove all furnished accounts listed within this dispute from my consumer report. This request is in accordance with my explicit opt-out directive, which covers both written and unwritten, verbal and non-verbal authorizations, as per 15 U.S. Code 6802.
Product: Debt collection

A cease and desist, as well as a request for a proof of contract was sent to Harris & Harris , Ltd. on XX/XX/2020. However, Harris & Harris , Ltd. refuses to respond. Instead harassing and contacting me every day, a couple of times a day since the date listed on the notification letter, XX/XX/2020.
Product: Debt collection

My company was contacted and asked for my last 2 pay stubs in regards to a medical debt from 2017 from XXXX XXXX XXXX. I have never been there. I attempted to reach out to the company, Clunk-Hoose Co , LPA and was sent to a voicemail. I also tried to reach out via the contact us form listed on the website. When I was unable to reach them, I contacted XXXX XXXX XXXX billing directly who advised me they did have someone with the same first and last name however the dob and alternate info does not match. Upon further investigation, I pulled the case number given from Clunk-Hoose to my employer on the XXXX XXXX XXXX XXXX and found it belongs to another person with the same name but no other matching information. Ive spent my day calling around and attempting to resolve a matter that has nothing to do with me after my employer was harassed.
Product: Mortgage

I applied for a loan modification thru the hamp program, My current mortgage went from XXXX to {$1200.00}. Its still 46 % of my income. I did not receive any financial relief with the program that I applied for. I am also question the current interest rate that went from XXXX to 4.250 % The current marrket rate is 3.4 %. The servicer of my loan is not giving me any relieft what so ever regarding my current loan. I am need of help as soon as possible.
Product: Mortgage

Wells Fargo took my XXXX XXXX XXXX XXXX while I was totally XXXX.
Product: Checking or savings account

I am writing to formally dispute the reversal of the {$460.00} credit issued by Bank of America related to a fraudulent overcharge by XXXX on XX/XX/XXXX. I have a payment arrangement with XXXX to pay a small monthly amount based on my budget, and I have consistently adhered to this for over a year, never exceeding {$100.00} per transaction. 

On this date mentioned, XXXX 's system overcharged me {$500.00} instead of my scheduled payment of {$37.00}. I immediately contacted XXXX, who confirmed this was an app glitch and advised me to dispute the charge through my bank. On XX/XX/XXXX, I filed a dispute with Bank of America.I provided clear proof of the overcharge and my correspondence with XXXX, and the credit of {$460.00} was appropriately issued. 

However, on XX/XX/XXXX, this credit was reversed without valid explanation. This has caused my account to go into the negative ( - {$200.00} ), leaving me unable to afford basic necessities for my newborn, such as diapers and formula and now owing money to other companies due to BOA ignorance. 

I urge you to review my XXXX payment history, which clearly shows I have never authorized transactions over {$100.00}, let alone $ XXXX. The evidence I provided substantiates that this charge was a mistake on XXXX 's end, not mine. I request immediate reinstatement of the {$460.00} credit and coverage of the overdraft caused by this reversal
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I obtained a copy of my credit report and there was a company that was reporting a collections. I was never billed from the hospital nor received correspondence from them indicating money was owed. I contact them directly and it was resolved. However the collection company ( Syndicated Office Systems ) continues to report a collection on my file when that is not the case. I sent a certified letter to them asking them to reach out to the hospital so that they can see it should not be listed and they have yet to respond. They signed for the letter on XXXX/XXXX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this complain certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law... Please remove/block the items/account as they are fraudulent & were opened without my consent or knowledge... Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Account : XXXX XXXX. If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry for a Walmart credit account. I 've never had one or applied for one. Please check this out for me, so this can be removed from credit report. 
Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

looked at my account and noticed unauthorized inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account with XXXX  XXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXX  opened on XX/XX/XXXX, a credit card account with XXXX/XXXX XXXX  opened on XX/XX/XXXX, and a loan account with Texas XXXX XXXX XXXX opened on XX/XX/XXXX. 

I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to get these 2 credit inquiries from XXXX off of my credit report the dates for the inquiries are XX/XX/2017 and XX/XX/2017. I disputed them XX/XX/2017 with XXXX and the credit bureaus. XXXX stated they do not have any inquiries in their system for those dates. I disputed them with all three bureaus and they stated it was accurate and to contact the creditor. I contacted the creditor prior to disputing with the credit reporting agencies they have no record of the inquiries. I am tired of going back and forth with these credit bureau agencies and I want these inquiries removed. I spoke with XXXX exec off speaking with XXXX XXXX at XXXX and he handles escalated situations and he informed me that the two inquiries are not in there system so there is nothing for XXXX to dispute on there end.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I strongly disagree with your investigation response. The following incorrect items still remain on my credit report, despite your investigation. I request an immediate re-investigation of these items for valid reasons. These inaccuracies are severely damaging to my credit score. 

XXXX. Validate Account XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 


Furthermore, in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide tangible evidence that the information was verified, rather than a computer-generated confirmation. 

Please provide the following : The names and business addresses of each individual you verified the information with above, so that I can follow up. 

The date on which you contacted the individual furnishers of information. 
The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address, or DOB.

Please send me an updated credit report once you have completed your investigation and made the necessary corrections. 

Your cooperation and prompt attention are legally required. 

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

I spoke with ally financial an they said I don't have any late payments XXXX  has an late payment on my credit report and also the amount owed on the vehicle is incorrect
Product: Debt collection

The number they are calling from is XXXX ( leave a message to call back at XXXX ) and says her name is XXXX ( with a real thick Jamaican accent and they have left several messages and/or spoke to with not only me, work place of employment, my family and friends. They refuse to state the company they are working for. I have told them to stop calling and told them to send me all the information in writing. They refuse and say they will get an arrest warrant for me. They even called my family member who is a police officer and he explained that he is an officer and that they ca n't arrest for debts. She was so rude and telling him yes they can so he asked to speak to a supervisor and she said there is n't one there but they have a police officer there he could talk too. My family member so ok, he would love to talk to the police officer that was there and she cussed at him and hung up. 

They have also called other family and friends stating they are filing papers through my county and will be arresting me. 
I do n't even know what this is for or about because they refuse to send me anything in writing or give any of their company information.
Product: Credit reporting or other personal consumer reports

I received an updated report history on my credit file from delinquent to current on one of the accounts I previously reported as inaccurate ; however, the company closed the account immediately after this occurred but did not update the credit file on the second card as requested. I have continuously asked this company to update my credit file to current so I can resume payments on the account, even offered to pay the account in full to delete the negative payment history because this is affecting my credit history in an attempt to purchase a home. I would like for the remaining account that is open to be updated to the current so I can resume payments on the account. As stated before, I was under financial hardship due to my personal bank account being compromised, and have made every attempt to resolve this issue. Per the letter that was sent back in XXXX, the company stated they were going to close these accounts ; however, again one has remained open and constantly reporting late so this is an inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 someone applied for a Barclays Credit Card with my Information without my consent which resulted in an hard inquiry on my XXXX Credit Report. I contacted Barclays Bank Delaware themselves and tried to resolve the issue but couldnt.
Product: Debt collection

Jefferson Capital Systems out of XXXX  trying to collect {$200.00} from me for a XXXX purchase of some kind that I did not buy, I have XXXX XXXX XXXX. Never had XXXX. All I know is balance of {$200.00} was due on XX/XX/2021.
Product: Mortgage

Ocwen is acting in bad faith and with gross negligence in connection with a financial matter. At issue is Ocwen 's demand through their shell company XXXX XXXX of an illegal demand for contribution in a short sale. CA law forbids junior lien holders from requiring contributions to do a short sale and worse Ocwen has a guideline of only paying 8 % for junior lien holders. In this case Ocwen is the junior lien holder. If Ocwen only pays 8 % to junior lien holders per their guideline then they should most certainly be happy to receive 8 % which is what 1st lien holder is paying Ocwen. Ocwen must accept the offer amount being paid due to 1. CA law forbiding contributions to junior lien holders and 2. Because their guidelines pay junior lien holder 8 % so demanding almost 25 % is not only ridiculous and against ethical business practices and their own stand business practices. Ocwen very well knows no junior lien holders on short sale receive 25 % pay off. Payoffs to junior lien holders in short sales are maxed at 10 % varying by lender. Ocwen only pays 8 % they can accept 8 %.
Product: Checking or savings account

on Sunday, XX/XX/2020, i realized that i had lost my debit card, my phones and my wallet. i contacted my bank immediately the next day with my mother 's phone to contact my bank. the name of my bank is current. i explained to my bank that someone had used my debit card and that this person was still using it. he wanted to charge me almost {$5.00} to send me a new credit card but then they changed their mind because they realized that another person was using it because when i contacted him via chat. their phone number doesn't work. i explained to current the transactions i didn't recognize and they said they would look into it. they contacted me today via my email address and told me they saw no error. i am shocked by their response as i showed all the evidence i had in my possession to show them that i was a victim. i hope you can help me get the refund of about {$1800.00} that was stolen from me. thank you in advance for your help. have a nice day.
Product: Bank account or service

BY CHANCE, I HAPPENED TO CHECK MY BANK STMT. FOR XX/XX/2016 AND FOUND AN DEBIT FROM " THE UNIVERITY OF XXXX XXXX ''. NO ORTHER INFORMATION. I CALLED THE BANK AND WAS TOLD THEY COULD NOT DO ANYTHING ABOUT IT BECAUSE IT WAS MORE THAN 60 DAYS SINCE THE TRANSACTION. 
I CONTACTED ALL 4 BRANCHES OF THE SCHOOL SYSTEM AND THEY COULD NOT FIND THE XXXX DEBIT CREDITED TO THE SCHOOL SYSTEM. 
I CALLED THE BANK AGAIN AND THE REP SEARCHED HIS DATA BASES AND COULD NOT TELL WHAT OR WHO IN THE SCHOOL SYSTEM ACTUALLY GOT PAID. 
THE REP ALSO ASKED ME IF I HAD CHECKED WITH THE 5 OFF CAMPUS LOCATIONS. I DID NOT KNOW ABOUT THEM. THE LAST TIME I ATTENDED XXXX AND XXXX WAS IN XXXX.WHEN I TRIED TO CALL THE DIFFERENT OFF CAMPUS SCHOOLS, XXXX XXXX XXXX, THEY TOLD ME THEY HAD NO AFFILIATION WITH THE XXXX SYSTEM. I TOLD THEM THE XXXX WEBSITE EXPRESSLY NAMES THEM AS OF CAMPUS.I TOLD THEM I HAD NEVER ATTENDED XXXX.THEY TRIED TO LOOK FOR RECORDS OF ME BY MY SOCIAL AND OF COURSE THEY DID NOT FIND ANYTHING.I BELIEVE I WAS THE VICTIM OF ID THEFT.THE COMPLAINT I HAVE IS THAT BANKS SHOULD HAVE DETAILED INFO LIKE CONTACT PHONE NUMBER ON THE BANK STSTEMENTS JUST LIKE THEY PROVIDE MERCHANT AND CONTACT NUMBER ON INTERNET PURCHASES. 
YOUR AGENCY COULD HELP HERE AND GET THE BALL ROLLING TO REQUIRE ALL BANKS TO PROVIDE THIS INFO JUST IN CASE AN ISSUE DEVELS LATER. I PROBABLY CAN NOT SUE THE BANK BECAUSE EVERY COMPANY NOW REQUIRES ARBITRATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. To this date, 90 days later, I have not received a response yet. I feel like my disputes are being neglected and taken advantage of. Failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 90 days and I am demanding these accounts are deleted immediately or I will file for litigation due to the stress you caused me.
Product: Debt collection

I do not believe the debt reported on my credit report my Midland Credit Management is valid. There was no evidence of indebtedness, there was only the agreement provided. It is my understanding that because I was unable to make an uninformed decision, the agreement is void. DELETE.
Product: Credit reporting or other personal consumer reports

I have disputed multiple inaccurate and unverifiable collections and charge-off accounts on my credit report with Experian. These include : XXXX XXXX XXXXXXXX XXXX ( {$970.00} ) XXXX XXXX XXXX ( {$650.00} ) XXXX XXXX XXXX ( {$620.00} ) XXXX XXXX XXXX ( {$690.00} ) XXXX XXXX ( {$450.00} ) XXXX XXXX ( {$1200.00} XXXX XXXX XXXX XXXX XXXX {$3300.00} ) I sent certified dispute letters on XX/XX/year>, XX/XX/year>, and XX/XX/year>, requesting proper verification of these debts as required under the Fair Credit Reporting Act ( FCRA ). 

Over 90 days have passed, and Experian has failed to verify the accounts or delete them as mandated by law. 

The credit reporting agency has violated the following sections of the FCRA : 15 U.S. Code 1681i ( Failure to investigate and remove unverified information ) 15 U.S. Code 1681e ( b ) ( Failure to ensure maximum accuracy ) 15 U.S. Code 1681b ( a ) ( 2 ) ( A ) ( No permissible purpose for reporting these debts ). 

I demand immediate deletion of these accounts due to Experian 's noncompliance with the FCRA.