23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

I hired Lexington law 2 tomes from XXXX to XXXX to help repair my credit I was charged fees I wasn't informed and all my personal identifying information was exposed and I was never informed causing a constant and continuous fraud and unauthorized access and use of my name fees was not explained and money taking out without my consent
Product: Debt collection

ENHANCED RECOVERY CO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ENHANCED RECOVERY CO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ENHANCED RECOVERY CO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

On XXXX and XXXX, and XX/XX/XXXX, XX/XX/XXXX .I sent certified letters to the credit bureaus and they were notarized. in reference to inaccurate information and reporting on my credit report. The bureaus have failed to respond to my request and provide me with the method they used to re investigate this matter. Keeping mind this is not my first request. It seems that the XXXX, XXXX and Experian has failed to acknowledge prior request. Their practices are unethical as well violating my consumer rights per FCRA sections, 15USC 1681i, 15USC1681i ( 5 ), 15USC1681 section 602 A, 15USC1681 section 604 A section 2, and 15USC1681c ( a ) ( 5 ). The following accounts listed below have not been accurately reporting which includes but not limited to, incorrect opening and closing dates. last payment dates and other relevant informationXXXX XXXX XXXX XXXX XXXX # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX Credit # XXXX XXXX reinserted on credit file XX/XX/XXXX, was not notifed within the XXXX ) XXXX. XXXX XXXX # XXXX XXXX XXXX XXXXXXXX ) I have attached the letter that was sent to each bureau as well the certified receipts.The credit bureaus have disregarded all my request in which has extremely violated my consumer rights and had negative effects on my credit which has blocked me from obtaining decent housing and providing for my family.
Product: Credit reporting or other personal consumer reports

I do not recognize any of the items on the hard inquiry lists and ask the bureaus to remove the item however they have not done it as I have request. I have filed a identity theft report as well included it for you. I have not authorized anyone nor business or company use of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccurate information with XXXX, Equifax and XXXX over the past few months. I have been told they would not investigate and also that they have verified the information was accurate. 

I am disputing the following inaccurate information : XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX  XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXXXXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX  XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX  XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor
Product: Debt collection

I have been going through this issue since 2018 with Portolio Recovery Service LLC. They keep putting this information back on my report and it is affecting me from moving forward in my life. I am unable to get certain jobs and all. I am tired. This is in regards to account # XXXX have sent them a ceast and desist letter on XX/XX/2018 and they followed up with the same collections debt. I have also sent a copy of police report stating fraud etc. I am tired. This is hurting me bad. I am ready to take it to the medi. I have also been breached
Product: Credit card

I applied for a Capital One credit card, and I was approved for a unsecured credit card back in XXXX XXXX XXXX  After receiving my credit card, I was able to access funds for a week then, I received an email saying that my account was reported for fraud. Every since, I havent been able to apply for a credit card with Capital One due to fraudulent activity. Im trying to figure out what I need to do to prevent this issue and be able too apply for a credit card from Capital One. Thank you!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, Inquiries removal : Please see all highlight activity which is considered to be unauthorized by myself.

Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of inquiries accounts on my credit report and inaccurate information on my account. This information is not mines and need to be addressed. Please correct information concerning all these inquiries. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that are not mines and needs to be removed.

Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the XXXXXXXX XXXX XXXX 
Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above. 

Thanks in Advance Please see all inquiries that was not authorized by me. 
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: Debt collection

These companies keep reporting this information on my consumer reports and they need to be deleted
Product: Checking or savings account

Still today, XX/XX/2018, my personal checking account is in the " negative '' ( due to bank mismanagement ) retaliation/reprisal ( due to me filing previous CFPB complaint 's ) and the bank 's ( and bank representatives ) ongoing malicious DISCRIMINATION practices. Pending today, is {$28.00} for XXXX XXXX XXXX policies ( via ACH withdrawal ). Today, XX/XX/2018 @ XXXX I have deposited {$29.00} for the said, XXXX XXXX XXXX policies. I am continuing to experience repeated adverse actions practiced towards me and my personal checking account.ALL supportive documentation will be faxed to the CFPB. ALL documentation is strictly for the CFPB ( NOT, to be used, published or compromised in any way by the said bank or their subsidiaries. THE END!
Product: Credit card

I ordered plane tickets and hotel rooms on my Visa Signature XXXX card. We had to cancel XXXX tickets and buy another. That is not the original issue, although it will come up later. I called to pay the updated bill on the XXXX/XXXX/16 even though the billing date on the statement I received was XXXX/XXXX/16. I got the corrected number and was transferred to the payment department. They tried to charged me the amount for the canceled tickets plus interest. After we got the balance corrected, they still tried to insist that we pay interest, even though we were before the bill due date. After arguing for a while, they conceded the interest and we tried to pay the full amount of XXXX. However, my debit card had a limit of XXXX. So we told them we would call back in a day or so to pay the rest of the charges. 

So when we called back on XXXX/XXXX/16 to pay the remaining XXXX. They again tried to charge me for the tickets I had canceled ; we cleared that up, eventually. Then they tried to insist that I owed them interest BECAUSE I had made a partial payment on XXXX/XXXX/16. They wanted {$20.00} in interest from XX/XX/XXXX-XX/XX/XXXX, equaling {$5.00} a day. On top of that, they continued to insist that there might be more charges if I did n't pay the interest that I was disputing. I told them that I would not be paying the extra charge and ended the phone call without finishing my payment of XXXX because they had made me so upset. 

On the statement they sent me, it states clearly that : " We will not charge interest on purchases on the next statement if you pay the new balance total in full by the payment due date, and you had paid in full by the previous payment due date. '' I did not have a previous balance and the due date had not passed. 

I will be trying to pay the undisputed amount again without paying the interest. However, I wanted to make sure someone knew what they were trying to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

On XX/XX/2024 a Withdrawal was done in a bank with a teller withdrawing the amount of {$17000.00} without my knowledge or authorization from Bank Of America. A fraud claim was created as soon as i received a notification informing me my account was in the negatives. I still have yet to receieve any updates as I was informed they would pull video footage as the fraud check stated it was an out of state check. I don't understand how someone is allowed to go to a bank with a fraud check and withdraw this large amount of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with each of these creditors concerning inquiries on my credit report and none of them can provide me with any information nor can they provide me with a notice stating there is nothing in there system because there was not account opened all the companies told me to dispute it with the credit bureaus and it should come off because they do not have any information to provide. I disputed these inquires with equifax numerous times and it keeps coming back with the same pre made letter stating VERIFIED. Facts, Equifax has not verified anything that I myself can not get answers too. I have attached the credit report that Equifax sent me. I also, asked Equifax to send me this information : What is the name of the person you spoke to at each company? What department was the representative from? Send me a copy of the credit agreement bearing my signature? and I did not receive any of the documentation.
Product: Debt collection

I purchased hair care products from XXXX XXXX which totaled {$140.00}. The products were paid in full in three payments through my bank, XXXX. The payment sought now is {$54.00}. I have proof of all payment made. This company continues to hassass me. They have reported me to collection agencies. Documentation was sent via fax to the first collection agency, which was North Shore. Another agency sent a letter. The agency is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a loan modification due to the pandemic. My husband hours got cut, so we were behind on payments. We applied for the modification for a fresh start. The home lender raised our mortgage payments instead of lower it. I reached out for help to get my payment were i could afford them. If I knew they would raise it, then I shouldnt have asked for help. How is that helping me.
Product: Credit reporting

I wrote Equifax three times requesting that inaccurate information be removed from my credit report. Each time they responded that the information on my report was verified even though they did not provide me with physical proof or evidence of the verification. This is in direct violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX , PA XXXX Experian, XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC , XXXX XXXX XXXX XXXX, GA XXXX Subject : Immediate Request for Account Deletion Due to Identity Theft Under FCRA and Relevant U.S. Code Dear TransUnion Consumer Solutions, I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that was fraudulently opened in my name due to identity theft. 

Please remove late payments fraudulently accounts : XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX I did not open this account, and I am not responsible for any charges or payment history associated with it. This fraudulent account has resulted in negative information on my credit report, including late payments, which I request be removed immediately. 

Under 15 U.S. Code 1666 ( b ), consumers have the right to dispute billing errors, including unauthorized charges. 

Additionally, 15 U.S. Code 1637 ( a ) requires that creditors provide clear statements of account opening, which I did not receive or authorize. These protections, in conjunction with the FCRA, support my right to dispute and have deleted any fraudulent or inaccurate account information. 

Enclosed are the following documents to verify my identity and support my dispute : Enclosed are the following documents to verify my identity and support my dispute : 1. A copy of my government-issued ID. 
2. A copy of a recent utility bill ( to verify my address ). 
3. A copy of my FTC Identity Theft Report, reference number [ FTC report number if available ]. 
Under the FCRA, you are required to investigate this matter and respond within 30 days. I urge you to prioritize this case and confirm the immediate deletion of this account. 

Thank you for your prompt attention to this urgent matter. 


Sincerely, XXXX XXXX
Product: Debt collection

Non stop calling of not only me but my brother. Threatening voice mails
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed there are still 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 which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX A 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 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 XXXXXX/XX/XXXX 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 XXXX XXXX accuracy that each items are XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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, credit repair services, or other personal consumer reports

I reported several fraudulent credit inquiries to Equifax I mailed them communication with tracking Via XXXX which is : XXXX Which shows it was delivered on XX/XX/XXXX, however, Equifax did not open this dispute until XXXX, XXXX, XXXX, which is over ( 30 ) days after they received it ( 36 days later, ) and responded to the dispute by claiming the fraudulent inquires were accurate, with no supporting evidence, and clearly no investigation, as they opened the investigation into the fraudulent inquires on XX/XX/XXXX, and closed it on XX/XX/XXXX, which is an unreasonable and seemingly impossible amount of time to thoroughly investigate and conclude that ( 8 ) eighXXXX separate inquires made by different parties on different dates were all valid. 

I supplied Equifax with proof of mailing and a copy of the letter sent to each name/address listed under each inquiry which I did not receive any response each time. 

The inquiries reported to be fraudulent are as follows : XXXX. ) XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX. ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, TX XXXX XXXX. ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. ) XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX. ) XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX - XXXX XXXX. ) XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX. ) XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX Account name : XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Student loan

The company handling my private loan is called XXXXGreatLakes and I have recently noticed that they are not applying my payments correctly. I have a monthly payment of {$77.00} that is due on the XXXX of each month and I end up paying {$100.00} instead to pay down the balance or so I though. What this company has been doing is using that extra amount and setting it aside labeling it as " Paid Ahead '' total thus preventing me from quickly reducing the balance. I have contacted them several times now and each representative has refused to apply that past extra amount and all future excess payments to my balance. Right now there is nothing that I can do but ask for your help. I am already burdened with a massive amount of student loan debt and this just adds to the feeling of hopelessness.
Product: Credit reporting, credit repair services, or other personal consumer reports

They cost me membership twice and now my bank overdrawl and bank fee add on it.. No way to call them cause XXXX.. it should be open on XXXX  and XXXX  but they changed closed on XXXX.. also other I applied two XXXX  for loan new one.. they send to many different lenders without my permisson.. now i have bad hard injuriries.. that hurt my score..
Product: Credit card

american express is not doing the right thing about my bill They handed it over to a collection agency where i am never giving out my social security number. I asked did they sell u the account. they wont answer me. Please be a meadiator with American express.I plan to pay off bill by XXXX 2017.
Product: Debt collection

I am being extorted by a third-party debt collector by attempting to collect a debt I do not owe or even aware of.