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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear XXXX and XXXX, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score.

The unauthorized inquiries related to identity theft are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

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 U.S.C 1681 XXXX XXXX Account Number XXXX has violated my rights. 
Credit Limit : {$7100.00} Date Opened : XXXX/2022 XXXX XXXX Account Number XXXX has violated my rights. 
LOAN AMOUNT {$49000.00} Date Opened : XXXX/2022 15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I'm writing to express my concerns during my previous use of Zelle and the way the companies have handled their disputes when I've tried reaching out to resolve money sent that was not suppose to be. More so, I've been seeing other people have had similar issues while researching the CFPB lawsuit. Despite using Zelle several times and reporting many instances, my financial bank and Zelle failed to investigate and come to a solution that helped me properly. They basically let me know there was nothing they can as far as retrieving lost funds or transactions and that it was impossible to get any money back to me. While looking more into the CFPB lawsuit, I've noticed that Zelle has done nothing to protect it's users in such situations and never did anything to protect us from it happening in the future. This makes it more likely to targets and accessible to scams. I wish this attention would have been brought up a long time ago as I've been a victim for countless times over the course of XXXX years. Hope this get 's handled appropriately to all the Zelle users.
Product: Debt collection

I was in XXXX and still is there is no way I applied for this loan someone used my Identity I'm very upset. I pulled my credit report and seen XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Its on my report with XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT VETS XXXX Balance Owed : {$0.00} - This account is showing several violations : Date of last activity is incorrect, Balance is incorrect and payment history is inaccurate. These are all violation please delete. 

XXXX XXXX XXXX Balance Owed : {$100.00} - You are reporting an incorrect Date of last activity, an incorrect open date ; it has been changed, and an incorrect balance. These are ALL violation please Delete. 

XXXX XXXX XXXX XXXX Balance Owed : {$4600.00} - Your records are revealing conflicting and incorrect information compared to other bureaus.
Product: Debt collection

RE : Intent to file lawsuit, HIPPA Privacy Violation. Validation Letter sent to : Choice Recovery. Account # : XXXX. Original Creditor : XXXX XXXX XXXX. To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by Choice Recovery that clearly violates my rights according to HIPPA Act of 1996. 

XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to Choice Recovery and XXXX XXXX XXXX ; therefore by providing such information they are in VIOLATION of my HIPPA rights. I have filed a HIPPA violation against XXXX and XXXX and I am proceeding with legal action as prescribed by law against XXXX XXXX XXXX and XXXX XXXX XXXX should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the last time, I will make this complaint because i have an consumer law attorney that is ready to take these credit bureaus to court. 

XXXX. The credit bureaus closed the wrong accounts!!!! I NEVER ASKED FOR XXXX AND XXXX XXXX ACCOUNTS TO BE CLOSED. I ASKED FOR XXXX, XXXX  AND XXXX  STUDENT LOANS TO BE CLOSED ON ALL 3 CREDIT BUREAUS. I NEED ALL LATE PAYMENTS DELETED OFF OF MY CREDIT REPORT! 

XXXX. They missed the deadline of going past 30 days to conclude this issue. Its been more than 15 days and this is not fixed!!! THIS IS AGAINST THE LAW! 

XXXX. I need XXXX AND XXXX XXXX ACCOUNTS BACK REOPENED NOW! I AM TIRED OF THESE CREDIT BUREAUS NOT DOING THEIR JOB!!!!! 

XXXX. THIS IS THE LAST COMPLAINT I WILL BE FILING BECAUSE IF THIS IS NOT FIXED I AM COMING AFTER THEM AND EVERY CREDITOR WHO HAS IMPACTED ME NEGATIVELY BECAUSE OF THEM! THEY HAVE BROKEN MANY LAWS, AND THERE ARE XXXX OF DOLLARS THESE BUREAUS ARE GOING TO OWE ME AND THEY WILL NEED TO FIX MY CREDIT SCORE FOR FREE AND GET ME BACK TO THE XXXX LIKE I WAS YEARS AGO.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and violation of the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
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 item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. 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 XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

BBVA is the absolute worst company ever. You can't get through to their line for the life of you. I am currently on hold for 45 minutes AFTER being HUNG UP on by he previous representative. I hate this company and their poor customer service.
Product: Debt collection

Midwest Recovery is representing XXXX XXXX and XXXX XXXX. These items are already listed on my credit report as the past due debt from XX/XX/XXXX. Midwest Recovery is submitted these debts as current past due debts for XXXX from XX/XX/XXXX and XXXX XXXX XX/XX/XXXX to current day. I do n't think these reports should be on my credit report as current past due bills.
Product: Credit reporting

I have disputed these XXXX companies XXXX and XXXX XXXX XXXX are fraudulent accounts that do not belong to me. I have disputed these accounts withEquifax and all I seem to get is the same old spill " ACCOUNT HAVE BEEN VERIFIED ''. These accounts have not been verified nor validated. I contacted both the collection cied so they can VALIDATE these accounts asking them for some signed contracts with my signature on them to validate these accounts and I have not gotten a response and its been more than 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a late payment in XX/XX/2021. I have contacted chase and have no record of this late payment. I have sent tall the bureaus several letters regarding this inaccurate and unverifiable late payment reporting on my consumer report. I have stressed how this is affecting my credit and hurting my life. I was never late on this account and I have always paid my bills on time as you can see. Therefore, I do not appreciate no one has corrected this inaccurate information. I have asked all the bureaus for variable proof and have yet to have received proof on how they reported this.
Product: Credit reporting, credit repair services, or other personal consumer reports

A charged off XXXX XXXX account is reporting my credit report that never belonged to me due to Identity Theft. The amount is {$250.00}. I don't let accounts go unpaid, I can spend {$250.00} on a dinner, so if it was mines I would've just paid it no problem. My credit has no unpaid accounts. This account is fraudulent and needs to be removed immediately from my credit report. 

I Have Never Lived At The Address Associated With This Account. The service address is stated as XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX I have never lived there ever, and I didn't start this account. My wife actually has been taking care of this utility service for our residence during the dates of this fraudulent account service at this false address so I wouldn't have needed this service to begin with. We had gas service at our real address during this same timeframe under her name. We never even lived in the county of this address during the dates of this service. 

This matter was not properly investigated by this bureau. By the Fair Credit Reporting Act, this account needs to be removed. It is both false and inaccurate. My rights have been violated.
Product: Credit reporting

I initially disputed an account, which came back as verified. I believe that the investigation is questionable.
Product: Mortgage

My name is XXXX XXXX, my phone is XXXX and my email is XXXX. The address of the home I sold to prevent foreclosure is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The mortgage servicer was U.S. Loan Servicing, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXTheir phone is XXXX and their fax is XXXX. 
My complaint against them is regarding their negligence in calculating the final amount from the sale of my home when I agreed to sell it to prevent foreclosure. I have attached my full complaint, how much I believe I am still owed by them, and how I discovered the discrepancies, as well as how I came to the amount I am requesting. I have also scanned in and attached everything I was able to receive from them throughout the process. I believe that I was charged fees that should not have been charged and overcharged on some fees that I was led to believe would not be included due to the mediation agreement to sell my home. I even questioned some of the fees that were added last minute and feel that I was either ignored or completely rebuffed. I also feel that there was no attempt on anyone 's part to even attempt to review what I questioned.
Product: Debt collection

I am a victim of identity theft and this account was not opened by me. XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year on XX/XX/XXXX I mailed certified a follow up letter for not receiving my credit dispute results for the previous credit report dispute. Experian received it on XXXX XXXX. I have not received and results on my follow up letter. On XX/XX/XXXX I mailed certified credit disputes to Experian. They received the letter on XX/XX/XXXX. I still have not received any dispute results and it has been over 30 days. Every time I called I am transferred to the special service department. When I ask why am I always being transferred to this department, they tell me its confidential and they cant discuss that with me. This is ridiculous. I should not have to consistently call to get update and be turned down because the special service worker on my case wont return my call back. Just send me my dispute results and we wont have a problem.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX FL XXXX ). I put {$3000.00} down and the rest was financed thru Driveway Finance Corporation ( XXXX XXXX XXXX XXXX XXXX OR XXXX ). On XX/XX/XXXX I received a welcome letter from Driveway Finance Corporation with details of my account, how to sign up online for an account to manage the account and make payments. I set up an online account. The first payment was due XX/XX/XXXX. I made my payment online on XX/XX/XXXX. Its now XX/XX/XXXX and the payment has not processed. I have called each day to Driveway Finance Corporation to the only number provided ( XXXX ). Thru the automated system I am transferred to a representative line which plays a song continuously with no answer. I have even tried the " title message box '' and left a voice message in hopes someone will contact me. I have called my bank and they have verified that no attempts from this company has been made to my account for payment. I have called the dealership multiple times and no one returns my calls. Online, on my account, it shows in the " payment history '' that the payment was made however it also shows that the payment is now overdue, accruing daily interest for payment now posted to account.
Product: Payday loan, title loan, or personal loan

This company popped up on my XXXX XXXX saying that I had high chances of getting approved from a loan up to {$1500.00} with them. So I did the pre-approved application with them on XX/XX/2020. I submitted all of my documentation on the site and they allow me to link my bank accounts in which they did not accept but when I called them they refused to remove my XXXX  and XXXX  they said that they were prepaid accounts and that I can not use that for deposit. So I had to call XXXX  to get into my XXXX  account that I hadnt used in a while. I finally was able to access it after a week, throughout XX/XX/XXXX to XX/XX/XXXX this bank has called me continuously saying that I was pre-approved and that I had to send in the rest of my documents. On Sunday XX/XX/XXXX, I uploaded the first page of my statement ( as requested ) and was told I would get an answer back if approved or denied in 15-30 minutes. That time went by I called they told me the same thing, the time went by again, I called again they told me sorry for the miscommunication 30 minutes to 24 hours that I will received a TEXT MESSAGE or EMAIL stating if I was approved or denied. Monday came and left was calling and they would say the same thing 30minutes to 24 hours, Tuesday came they said the same thing, Wednesday through Sunday no communication from either one of us. Monday XX/XX/XXXX I call and spoke with someone they said my application was denied and that I will received a response by mail, then they told me my application was canceled. All communication was by phone, text, and email when they kept contacting me to send in documentation. Now? They refuse to give me an answer as to why I was denied, my credit is in good standing and all I needed to do was submit my banking information they ran my credit I received the inquiry but promised me a response with a certain time frame and didnt get back to me now are saying I have to reapply. I do not want my information in their system anymore they refuse to take it out of their system as soon as I sign in my name and personal information comes up telling me to reapply I do not want to reply I do not feel comfortable them having my information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report Dear Equifax, I am writing to formally dispute certain hard inquiries listed on my credit report that I believe were made without my authorization or consent. These inquiries are negatively impacting my credit score, and I request that they be removed from my credit report immediately. 

The inquiries I am disputing are as follows : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate or unverifiable. I kindly ask that you investigate these inquiries and remove them from my credit report if they can not be verified as authorized. 

Please provide written confirmation of the actions taken, along with an updated copy of my credit report showing the removal of these inquiries. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

XXXX XXXX XXXX XXXX used high pressure sales to encourage myself, a young student, to take out maximum loan amounts. The recruiter, before I was a student, had me print my mom 's name on the first school contract, tying us into a financial contract with them. They guaranteed job placement and that the school was accredited. Non of which are true. The school was fraudulent in many ways, not just with the high pressure sales and lack of accreditation. They have since been closed down. I was a student there from XXXX XXXX XXXX I have been paying on these private loans and still owe more than my original loan amounts. 

Originally the loans were through Sallie Mae, then Navient bought them, now XXXX owns them
Product: Debt collection

On XX/XX/XXXX I received a letter from Stenger and Stenger PC ordering me to appear in court regarding a judgement obtained against me on XX/XX/XXXX. I was never informed of any court date or judgement and had never heard of Stenger and Stenger. 

I checked XXXX and saw three cases filed against me by the attorney. 

The first case was filed on XX/XX/XXXX in a county I had not lived in since XXXX. Apparently I was served here and the process served signed and swore : On Thursday, XX/XX/XXXX at XXXX, | attempted service on XXXX XXXX XXXX the service address. | spoke with XXXX who stated her daughter purchased the residence from XXXX XXXX two years ago. XXXX stated they continue to get mail for XXXX XXXX. 

Stenger and Stenger had this case dismissed by the court only to refile on XX/XX/XXXX using the same address and this time making the process server swear that the documents were delivered to me while knowingly using the wrong address. On XX/XX/XXXX a default judgement was apparently entered against me. Stenger and Stenger then filed a third case against me but in the county that I currently live and to the correct address. I never received these documents and again another default judgement was entered on XX/XX/XXXX. 

XX/XX/XXXX I began working with a debt consolidation company to pay off my debt and improve my credit. During this process those attorneys would have reached out to each of my creditors to negotiate a settlement amount. I believe this is what led to the sudden urge for Stenger and Stenger to file for a garnishment two years after obtaining two judgements without ever contacting me. This can not be a legal way to pursue or collect a debt.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I came across inaccuracies in some of the information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), it is mandated that the three credit bureaus validate this account. Failure to validate this reported account within the legally stipulated timeframe without providing substantiating evidence is not permissible. My credit report contains the erroneous details that require thorough investigation and rectification : XXXX XXXXXXXX  Balance Owed : {$96.00}
Product: Debt collection

I was working with Portfolio recovery on a payment arrangement for a bill. As soon as I gave my checking account number-within that same breath-the rep asks me if I am aware of debt for XXXX XXXX in their office. 

I have a Current XXXX XXXX card I am in repayment on-in past when I received these phone calls it upset me because I was confused about which debt they were referring to. 

This debt they were referring to is over 13 years old. 

I felt Harassed and manipulated-I would not have gone into a payment arrangement with this company for XXXX -- had I known they would combine the two companies in our conversations, and during our payment arrangement no less. 

Thanks XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I was writing the company to send me the XXXX because it is reported like charge off in my credit report by law if it more than {$600.00} I suppose to receive it but they are refusing to send it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed multiple problems with the following collection account : XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) : I dont recall having a collection account. 

XXXX XXXX ( Original XXXX XXXX  ) : I dont recall having a collection account. 

XXXX XXXX ( Original XXXX XXXX XXXX ) : I dont recall having a collection account.
Product: Money transfer, virtual currency, or money service

I was locked out of my Coinbase.com account on XX/XX/XXXX, with a very high dollar balance in the account due to losing my Authenticator. I called the company and was told incorrect information, I called again and was told to wait. My account was setup years ago, so there is a generic company name on the account. However the only way to unlock the account is to show an ID, obviously my companies name is not mine and does n't show on my ID. I have provided proof that I am who I say I am. They have told me to stop emailing them and every time I e-mail I am forced to wait longer. The account is still attached to my cell phone, and I know the password, I even am logging in from the same IP address. They told me they would assign this to a specialist two weeks ago, still nothing, and I can not inquire about the status because if so I am " penalized '' and sent to the back of the queue. The company has taken no actions to assist in resolving this issue.