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

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE. I HAVE ATTACHED REPORTS HIGHLIGHTING THE DEROGATORY ACCOUNTS AND I AM REQUESTING IMMEDIATE REMOVAL.
Product: Checking or savings account

On XX/XX/XXXX and XXXX XXXX, received email saying someone had added external bank accounts, with all of them saying " You recently added the XXXX XXXX account ending in XXXX to your Chase profile. '' I don't even have XXXX XXXX account as I tried signing in with every email I have and it tells me to create a new account. 

Each time I had XXXX taken out from my debit. 

XX/XX/XXXX, I filed fraud claim and on XX/XX/XXXX of this year, I received a letter from Chase saying that they will be taking back the funds they had originally reversed and that the claim was denied. 

In the phone call I made on XX/XX/XXXX, they mentioned my account was compromised and mentioned the transactions coming out of Texas. They made me change my passwords and usernames. So they literally know it was fraud yet decline my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

That company equifax never delete this account of my credit report after 1 year of dispute. 

The collection company maked a credit violation on X/XX/2017. 

The case number was Case # Debt Collector Original Creditor Balance Violation Type Open Date Status XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX Letter XX/XX/17
Product: Credit card or prepaid card

XXXX XXXX XXXX, also known as XXXX XXXX. I paid this account off with a zero balance and closed this card myself. Then mysteriously a new charge in the amount of {$580.00} appeared from new jersey I reported fraud and Verve said they correct this. This never happened and they continue to destroy my credit scores. I also sent several letters to Continental Finance LLC and XXXX and no response, with copies of their paid off letters and the fraudulent charge on my account. I live in New Hampshire and this charge was made in New Jersey. I called the so-called number and reported this on six occasions to their representatives and they all hang up however one person slipped up and gave me a different account number that was taken out in my name. XXXX is a fraudulent company. I also requested disputes from XXXX and XXXX and XXXX credit reporting agencies they denied my disputes and continue to harm my credit standings. I received a credit refund for {$400.00} and then I was charged one month later for the same amount, along with a late fee and notice on my credit reports implying this was my fault.
Product: Credit reporting or other personal consumer reports

After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal. 
They also violated my rights under 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 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
If these accounts are not removed I will be reporting you to the BBB, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering.Account XXXX XXXX XXXXXXXX Account XXXX XXXX Account XXXX XXXX XXXXXXXX Account XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX  XXXX Account XXXXXXXX XXXX XXXX Account XXXX XXXXXXXX Account XXXX  XXXX Account XXXX XXXX XXXX Account XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX  account XXXX. XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a procedure done on XX/XX/XXXX by XXXX XXXX. I received a bill, statement date XX/XX/2021 for {$20.00}. I made several phone calls and even submitted my XXXX XXXX from XXXX that shows " Your share {$0.00}. '' I filed numerous complaints with XXXX to investigate and they even contacted the physician informing them I owed nothing. The provider ignored XXXX and me and turned me in to collections. I have attached all the documentation for your review. 

Provider is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Transworld Sysems Inc is the collection agency I was reported. XXXX also contacted them to no avail. I am still being harassed for a medical bill I do not owe which now becomes XXXX FRAUD.
Product: Debt collection

Fair Collections is reporting on a debit that is n't mine and in another name. They have been sent several letters and it has been disputed with the reporting agencies to no avail. They continue to verify the debt without producing evidence bearing my signature or a break down of line items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been telling Experian that people are running my credit without being authorized. They do nothing to stop it send me generic response.
Product: Debt collection

I checked my credit score on XXXX XXXX and saw a reduction in my score because of a collections report. I reached out to XXXX whose details were listed in the credit report and they mentioned that MRS BPO LLC is the company handling the matter. I called the collection agency multiple times up until XX/XX/year> to understand why they never reached out to me to settle this dispute before reporting to the bureau and to get a validation notice but this was unsuccessful.
Product: Other financial service

I signed up with the XXXX law Group in XX/XX/XXXX 2012. I was promised that they would have me debt free in 42 months. Although they did settle a bunch of my accounts, they did not settle everything, and I was forced to open a Global Client Solutions account and allow them to make monthly withdrawals. When I looked at my balances, it was obvious that I was paying way more in fees to GCS and XXXX than to my creditors. I paid in a total of {$25000.00} and about {$12000.00} was retained by GCS XXXX as fees. I think this is illegal. When I complained to GCS about the fees they insisted that XXXX was taking the fees, not them. I am not getting a straight answer out of anyone. They were supposed to only take 15 % of the money they saved me, but they took almost 50 % of the monies I paid in. 

I am unable to upload my supporting documentation but if you will email me a direct email address I will forward the correspondence to you. They made all kinds of bogus claims that I added new accounts, etc., which I never did. Also GCS is denying any responsibility for the fees charged and pitched me back XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is failing to report/ update my information. They claim it had to do with my address, but that is not the case as my address has been updated since I relocated. Experian is reporting balances after statement balance with interferes with the utilization and usage reporting. My score drops and they claim they can report when they want. Whats the point of a statement balance if your just going to report whenever you want anyways.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Owed : {$4100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX **** Balance Owed : {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX. On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

failure to correct my name and remove unauthorized credit inquiries from my credit report despite multiple requests. This issue has caused unnecessary harm to my credit report and financial well-being. 

Issue 1 : Incorrect Name Reporting My correct name however, Equifax has incorrectly reported my name on my credit file. I have submitted a request to correct this information along with the required documentation, including proof of identification and proof of address. Despite providing this information, Equifax has failed to update my name on my credit file.

Issue 2 : Unauthorized Credit Inquiries I have also identified unauthorized credit inquiries on my Equifax credit report from the following entities : XXXX XXXX, XXXX XXXXXXXX XXXX These inquiries were not authorized by me, and I have requested their removal from my credit report. I provided Equifax with an FTC Identity Theft Report ( XXXX ) as proof of the unauthorized activity. Despite this, Equifax has not taken action to remove the inquiries from my report. 

Supporting Documents I have submitted the following documents to Equifax to support my requests : Proof of Identification ( Category 1 document ) Proof of Address ( Category 2 document ) A copy of the FTC Identity Theft Report ( XXXX ) The letter received from Equifax regarding this matter A noticed document outlining variations, if applicable Conclusion I believe Equifaxs failure to correct my name and remove these unauthorized inquiries is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). To ensure that Equifax promptly corrects my name and removes unauthorized inquiries from my credit report.
Product: Mortgage

my mortgage i had was 1st with XXXX i had some hard ship and applied for re-mod with then and during this process the loan got bought by XXXX XXXX   XXXX of Texas.they 1st worked with me an told me a payment of {$1600.00} which i have been paying. on XX/XX/XXXX i received a letter informing me that my escrow is going to short {$11000.00} and my payment will there jump up to {$3000.00}. I have phoned them on many to ask how this is so when my taxes pmi and is $ XXXX. then i received my XXXX form it shows that my mpi i have been paying for the last year is {$730.00} over what it should. now if i am correct the PMI is usually 0.4 % -1 % i pay way over that. again i call them to discuss this i told that my loan has been calculated correctly and they will give me yet another new payment which i was supposed to get on the XXXX XX/XX/XXXX sent emails left messages still waiting for answer. i thought once the remod was done i my payment would of been the same. i am super frustrated with this company and dont know weather to hire a lawyer
Product: Credit reporting, credit repair services, or other personal consumer reports

Different dealerships pulling my report & i never authorized any use of pulling my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with unauthorized, fraudulent inquiries and multiple inquires and they refused to respond to this and remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Company Equifax inc. Has continuously to report fraudulent information on my equifax profile, equifax for months has blocked me out of subscription services that I enrolled in. Equifax has damaged my reputation. By putting the false narrative out there that Im not an eligible candidate for lines of credit, personal loans. And financing wich I have been denied because of the innacurate information the equifax is reporting. Equifax violated my right under being a victim of my data being stolen. Equifax also has violated many federal laws and violations under the FCRA. Wich have been documenting over the course of 7-8 months of all these violations. Since this been an ongoing matter i will be submitting a fedral complaint with my states attorneys office and hiring legal representation for the damages and defamation equifax inc has caused to my character
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 Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violation XXXX  XXXX, XXXX  XXXX, U S Department of Education, XXXX XXXX XXXX, XXXX, XXXX    XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Mortgage

We contacted XXXX XXXX  XXXX XXXX # XXXX back in XX/XX/XXXX to get a mortgage loan for the house. The loan number is XXXX. 
- Their office manager XXXX XXXX orally and wrote in multiple emails confirming that our rate was locked at 5.125 % with no point on XX/XX/XXXX, but he actually locked us at 5.5 % with XXXX point and sneaked this in the agreement without telling us in advance until we read the agreement and noticed this after a few days. We negotiated with him, and he promised to ask for the discount to get us to the 5.5 % without any point before the closing. 
- On XX/XX/XXXX, they vetted all of my income and offered me the commitment letter. I asked him about that XXXX point he promised to remove, but he told me to send him more clients and then he can help me with that. Hes basically asking me to bribe him. 
- However, they suddenly came back to me on XX/XX/XXXX and said that my income doesnt qualify anymore and wanted to raise our rate to 5.99 % in the last minute without any valid information. At this point the rate already went up nationwide, and we missed the window to get a good rate as 5.5 % because of the fraud they committed to change the rate after they locked it. 
- We didnt have enough cash to buy the XXXX point to lower it from 5.99 % to 5.5 %, and our closing date is on XX/XX/XXXX in two weeks, so we had to go with 5.99 % interest with another lender because XXXX XXXX XXXX committing fraud and we dont trust them anymore, and we dont have the {$5700.00} cash to buy the point from 5.99 % to 5.5 % at this point. 
- We reached out to their XXXX XXXX XXXX, but he only refunded the appraisal fee we paid to them, and refused to pay the {$5700.00} to cover our financial loss.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX Balance : {$34000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX , XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX - XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Debt collection

Dear Sir or Madam : This letter serves as my formal complaint against the abusive debt collection practices of Midland Funding LLC - XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX, NC XXXX - XXXX. 

Three months ago, Midland Funding LLC began the following abusive practices in violation of the Fair Debt Collection Practices Act : Refusing to validate said debt via the FCRA ( 30+ days. No Response ) ( 2 ) Illegally placing said collection on my personal credit report ( with the 3 MAJOR credit bureaus ) ( 3 ) Sending me documents claiming that I owe {$1700.00} when I actually owe {$0.00}.

( 4 ) Illegal collecting debts in the State of North Carolina w/o a license
Product: Credit reporting or other personal consumer reports

XXXX XXXX is very deficient in resolving issues for their clients. They allowed XXXX XXXX XXXX to rebill an outstanding disputed charge on my card without my knowledge. I proved where the company had inappropriately billed me twice for {$2600.00}. The person at XXXX XXXX XXXX was supposed to get this credited, but left the company whose name is XXXX XXXX. 
I had worked with XXXX XXXX to get my site up after the second time it was taken down. We agreed to {$2600.00} for XXXX XXXX XXXX' issues ( I have proof of this ). The company double-billed me. XXXX was going to resolve but ended up leaving the company. 
I called XXXX day to try again to resolve the situation, and someone answered as XXXX. I knew it wasn't him - mannerisms and voice tone were different. I asked to be transferred to Accounts XXXX to retrieve my money that was double-billed. XXXX ( whom i find later is the COO ) answered and said, " Thank you XXXX ''. I told her that XXXX impersonated and said he was XXXX. She acted surprised but now I know they all just play games. 
I filed reports with the Federal Trade Commission - FTC XXXX XXXXXXXX and FTC XXXX XXXXXXXX which I will be happy to give to whomever investigates this situation and the other many documents that back up my story which I was not able to include here. 

XXXX is a disgrace parading as a business. They are criminally negligent in their dealings with consumers. They won't even own up to their mistakes- which are too many to recall here. 

Instead they sent my disputes to be resolved with the XXXX credit bureaus. I locked my card before I realized what had happened and tore up the card - and still because XXXX XXXX XXXX  had sold my information on the dark web - the card number was used to purchase some video thing - which I have no clue about. I disputed this charge but XXXX is holding me responsible for this charge also. 

They would not close the card for me when I asked after I realized I had been double or rebilled. Finally XXXX of the reps- whom are all VERY BACKWARD because of the company = finally closed the card and did a reissue which I have not activated. XXXX has no record of when I locked the original card since was destroyed. 

Further on XX/XX/year>. I called and spoke with XXXX at XXXX customer service. I asked her about the dispute, and she said XXXX was unable to close it. I said that This is a blessing from XXXX, and told her to never close the dispute because I felt something shifty going on. ( But with XXXX you never receive a straight answer or the same answer twice in row. XXXX in their own way is as bad as XXXX XXXX XXXX. It is a no-win situation with both companies for consumers. ) Well, sure enough the XXXX crooked companies rebilled this without my consent and without talking to me. What kind of business does this kind of stuff? There is NO CONFUSION. I knew exactly what they were doing and I did NOT agree to pay {$5200.00}.
Product: Debt collection

I don't know this company. I have never received notice about sending anything to collections. 
I sent the validation letter to this company second time. I have not received any answers to my request to provide the documents. my name is XXXX, not XXXX. 
I ll attach the validation letter. 
Thank you
Product: Debt collection

XXXX trying to collect on my XXXX  account I spoke with a agent from the company on the phone she made a statement that my account with XXXX  can be recalled and a lawsuit filed against me under the fair debt collection practices it is a violation they have committed