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

To whom this may concern, I sent a letter to XXXX, Equifax and XXXX concerning the inaccurate information reported on my credit report by your company. They indeed deleted the inaccuracy placed by your company and since then it has been illegal reinsertion to my credit report by YOUR COMPANY. The items came back verified. I want to know : how did you verify this inaccuracy? 

I have attached a letter and proof of the deletion that was done to my account. Your company is in violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof with my wet signature that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Also, under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Ive done research on the E-Oscar and pacer system and unfortunately thats not efficient enough. It doesnt have my wet signature. 

Attached : A complaint letter, PROOF of deletion of the account on my credit reports, copy of my Social Security Card, my FTC report and Drivers License is attached for proof of identity
Product: Payday loan

On XXXX XXXX, I received a letter addressed to my home from XXXX who identifies themselves as a debt collector. The letter indicated that I had an outstanding balance with Green Trust Cash in the amount of {$350.00} principal, {$100.00} interest, and {$60.00} in fees. However I have had no financial dealings with any such company and have never applied for any loans, cash or any other type of account. I called and spoke to a representative of Green Trust Cash who would not provide me their full name or answer any other questions about the account other than to verify that my name was used to open one. I also ran a credit check after receiving the letter and there was no such account that appeared on the report.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report, I saw some hard inquiries that did not have permissible purpose. Can you reinvestigate the inquiries listed below. I also attached evidence. 

XXXX / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX  / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX  / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX/ XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX  / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX/ XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX  XXXX XXXX/ XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Vehicle loan or lease

I got a car from XXXX XXXX XXXX XX/XX/XXXX, the interest rate is predatory my care note is {$750.00} XXXX  a month my interest rate is 20.95 %. On XX/XX/XXXX I went to my credit union to see if I could refinance because the {$750.00} has become a lot to pay and they informed me that what they say I owe on the car is {$10000.00} XXXX  more than what the car is worth and it was nothing they could do to help me. I contacted XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MI where I got the vehicle and they told me the same thing it was noting they could do. I also contacted Gateway Financial Solutions and I got the run around and no help from anyone. On XX/XX/XXXX I was contacted by XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MI from a sale person name XXXX. I call XXXX and he proceeds to tell me that they are buying back cars from people who bought cars from them going back from XXXX, All the salesmen involved in deals have been let go and XXXX XXXX wanted to make it right by assisting in changing my rates and offering me a lower monthly rate. So i go see what they could do for me. I go to XXXX XXXX XXXX on XX/XX/XXXX and he's saying do I have a co-signer and do I have any money down I was extremely disappointed I explained to him that I had no intentions in doing anything I came because he informed me that they were buying back cars from people since the above date. I am extremely angry and disgusted by they way companies lure people in who are already struggling just for them to be let down.
Product: Payday loan, title loan, personal loan, or advance loan

Got an emergency loan due to disaster but navy Federal credit Union is not acknowledging payments.
Product: Credit reporting or other personal consumer reports

While looking at my credit report, I noticed inquiries that did not belong to me.
Product: Mortgage

Our mortgage company failed to pay our property taxes out of our funded escrow account on time, which has resulted in a penalty and interest charge. The county tax assessor has also issued a Notice of Intent to Issue a FIFA on our property. We have contacted our mortgage company on several occasions to remedy this situation, but they have not been responsive to date.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. Despite multiple attempts to address this issue, the fraudulent entries persist, causing significant distress and jeopardizing my financial standing. 

I am reaching out for several time to request your urgent attention to this matter. It is imperative that these fraudulent items are promptly removed from my credit report to ensure the accuracy and integrity of my credit history. 

I kindly request an update on the status of my requests and urge you to prioritize the removal of these fraudulent items without further delay. Your prompt action is essential in resolving this issue and restoring confidence in the accuracy of my credit report. With this, I am asking for your assistance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I paid this loan for four years without missing payment. The XXXX XXXX going up when I finally just told them I wanted Information on what they were doing they said I had been paying for insurance XXXX the whole time to cover payment incase got XXXX. The money wasn't going on paying XXXX  the loan. I've never heard of such a thing I XXXX  XXXX ask for paper work I contract, payment history with no return on any of it
Product: Credit card

discover closed account ending in XXXX and said they will delete off credit but still there is a balance, I need balance and crd removed, according to usc1681i ( 5 ) and there owns words, it should be removed asap
Product: Checking or savings account

There is a {$3500.00} charge to a line of credit at Santander Bank which I never authorized with my name on it. I disputed this and my  dispute was denied. I have never received any Bill 's yet my credit score is being negatively affected. I did not take this money and I should not have to be held responsible. What can I do.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doingso. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurateinformation that is being reported on my personal credit profile, yet you continue to fail to do soIt is my understanding of the law that you MUST honor each and every request to investigateincorrect information and you seem to have ignored all of my previous requests. 

XXXX - XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX  - XX/XX/year> - Verify that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/year> - XXXX that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/year> - XXXX that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/year> - Verify that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX - XX/XX/year> - Verify that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/year> - Verify that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX - XX/XX/year> - Verify that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/year> - Verify that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/year> - Verify that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX XXXX - XX/XX/year> XXXX  XXXX - XX/XX/year> XXXX  XXXX XXXX XXXX  - XX/XX/year> XXXX  XXXX XXXX  - XX/XX/year> XXXX  XXXX  - XX/XX/year> XXXX XXXX XXXX XXXX - XX/XX/year> That is a crystala clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishersof information for non-compliance as a violation of its provisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Access Group INC, I have tried time and time again to have a " Consumer Dispute '' removed from my XXXX credit bureau. I have submitted my official documents signed by a doctor from the VA way back in the Summer of 2009. All of my documents were sent via registered mail return receipt. 

The following is my current information : * Access Group INC - XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I filled out an online inquiry for a pre-approval for a home loan on the website of XXXX  in the morning of XX/XX/2022. Right after, we received a phone call from one of their lenders XXXX XXXX- a Sr. Loan Consultant. We described our situation to him and that we were looking for a pre-approval for a home loan. He assured us that he was licensed, so we agreed to ran both of our credit scores during this phone call, because he said that was necessary. He then sent us a list of items that we additional had to provide such as pay stubs, W2 forms, bank statements, drivers licenses, etc. He said if we provided these information until XXXX the same day, we would receive our pre-approval letter the same day in the evening. So we collected all the information necessary and uploaded everything through a link that he provided us in an e-mail ( see attachment ). 
Unfortunately, he did not provide us with a pre-approval on that day. Nor on the following days. We sent another follow-up e-mail to him on XX/XX/XXXX to see if he had an update regarding the pre-approval ( see attachment ). We did not receive an answer. 
On XX/XX/XXXX my husband received a phone call from XXXX XXXX XXXX. He had called us by mistake believing that we were different people. During that phone call my husband made it clear to XXXX XXXX XXXX who we actually were and that we were still waiting on our pre-approval letter and that he ran our credit and collected our personal information letting us believe we would be able to start our home buying process soon. We made very clear that we were rather upset with how our information were used with no outcome so far. XXXX XXXX XXXX assured us then that he would send us our pre-approval latest the day after. 
It is now XX/XX/2022 and we still have NOT received any further communication from XXXX XXXX or anyone else from New American Funding. The company did therefore collect all of our personal and financial information, ran our credits without ever fulfilling their part of the agreement which was to provide us with a pre-approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Ally Financial on XXXX/XXXX/XXXX and asked them why they accessed by credit file on XXXX/XXXX/XXXX and why they have put a hard Inquiry on my XXXX credit file with out my authorization, I did not get any help from them.
Product: Credit reporting or other personal consumer reports

Noticed a collections account listed on my credit report that is under XXXX XXXX XXXX. They would not tell me who the original creditor is. They asked me to pay a dollar to get a free credit report. This makes no sense, Ive never had a legitimate business do this. They asked for my personal info but still would not give me info on who the original creditor was to this account and insisted I pay the {$1.00} fee to get access to my credit report to have this item removed and asked for my credit card information. They were unable to provide me with account information to verify this account belonged to me and I do not recognize this account. It seems to be fraud or a scam.
Product: Debt collection

I was a resident at XXXX XXXX XXXX in XXXX, TX up to XX/XX/XXXX. I requested ( on XX/XX/XXXX as provided in my Notice to Vacate form ) to do a walk-thru on XX/XX/XXXX as I was relocating to another state and no one was available to do the walk-thru when I was ready to hand over the keys per XXXX, a leasing professional at XXXX XXXX XXXX. I eventually received a letter from a debt collection agency called I.Q. Data International, Inc. ( dated XX/XX/XXXX on the letterhead ) around XX/XX/XXXX stating that I owed a remaining balance of {$150.00}. I did not receive this letter quickly because the mailing address that the debt collection agency sent it to was the XXXX XXXX XXXX  address I moved out from ; the letter was eventually forwarded to my correct mailing address where I relocated to. 

I contacted XXXX XXXX XXXX via email to get more information because I never received any information from them prior to this letter from the debt collection agency, even though I gave them my correct forwarding address at the time as shown on the Notice to Vacate form. XXXX with XXXX XXXX XXXX  responded to my emails and provided 2 documents : ( 1 ) a Move Out Statement dated XX/XX/XXXX and ( 2 ) a Cost Estimate from XXXX. XXXX XXXX dated XX/XX/XXXX showing a {$150.00} estimate. However, I did not receive Move Out Inspection documentation. The Move Out Statement showed a {$150.00} charge for an " Ozone Treatment per Estimate '', which XXXX mentioned via email was for an alleged food odor in the apartment. I thoroughly cleaned the apartment unit and there was no food odor when I handed over the keys ; I do not smoke and do not have any pets either. In addition, I.Q. Data International , Inc. reported this " debt '' to the credit bureaus and damaged my credit score. I have disputed this debt with I.Q. Data International with documentation I sent via certified mail dated XX/XX/XXXX. 

I requested further documentation from XXXX and the community manager XXXX to show me proof that there were actual damages to the unit and that treatment was necessary, such as a chemical test. I also did not receive an actual invoice for the ozone treatment to show that the treatment was actually performed on the unit. I did not receive any replies to my requests even after following-up via email on both XX/XX/XXXX and XX/XX/XXXX. After further reviewing the documentation I received directly from XXXX XXXX XXXX, I have concluded that the charges appear to be fraudulent by XXXX XXXX XXXX. This is due to the fact that the provided Cost Estimate from XXXX. XXXX   XXXX  is dated after the Move Out Statement, and the Move Out Statement clearly specifies in its line item description that it is " ... per Estimate. '' This would not be possible as the estimate was not created until after the Move Out Statement documentation was created. Similarly, it appears that XXXX XXXX reported this charge without an estimate to the debt collection agency because the date on the estimate is after the date on the debt collection agency 's letterhead that I received.
Product: Debt collection

Express Recovery is garnishing my wages for amounts that I do not owe to them. The summons they served me had no information such as date of service I owed these said companies just that I owed them money without any proper documentation one of which is XXXX XXXX and their billing department who has now locked our accounts for an amount of {$140.00} dollars which is preventing me and my wife from getting our medications refilled which are medications that could without them could cause serious harm to our health. My wife has been thrown into XXXX without some of her medications she is needing and they are withholding my XXXX XXXX XXXX medications from me as well. Per Express Recovery, they say I owe money to them but on the summons it says no dollar amount as to what I owe. I am being garnished through Express Recovery and they will not separate the medical part from the other I believe are false so with them not being separated, I can not get the mediation I need to help me with my illness which I would consider on not only Express Recovery but also the XXXX XXXX as some sort of Malpractice because my health has the potential to bad without mine or my wifes medication and if that happens then that would be a type of malpractice. With that being most important, my wages are being garnished and they have gotten away with the garnishment although no evidence or paperwork adding as to any dollar amounts. They need to be looked at because they are doing unlawful practices and they will not provide me with exactly the amounts per each accounts they have bundled together which is making it impossible for me to get medical treatment as well as taking money by garnishment that they have no right in taking which is severely affecting my like to take care of my familys medical and financial needs