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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax Credit reporting agency back in XXXX, I notified them about a incorrect hard inquiry on my credit report. I placed a freeze on my credit and included a fraud alert. They refuse to contact the company XXXX XXXX to resolve the issue. I contacted Equifax three times. I keep getting a run around and incorrect dispute filings on behalf of the representatives. This is unfair business practices. I also spoke directly with XXXX XXXX that the inquiry was not made by me. I was notified that they had a different address and phone number, and it is indeed fraudulent activity. I shared this information with Equifax and they refuse to do anything to assist, even contacting the creditor. This seems to be a very unfair practice by Equifax, as other credit bureaus do not have this item listed on my report. I was directed by the Federal Trade Commission to report this action by Equifax.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to mild practice. While several laws are being broken under the Fair Credit Reporting Act ( FCRA ) by your company. This has caused financial injury, and defamation of character. I can't get a job. I can't apply for credit. I can't even get a sba loan due to the pandemic under this crisis .You have hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by Equifax..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. CFPB, please delete the accounts UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX
Product: Checking or savings account

Remitly took {$5900.00} out of my account from XXXX XXXX XXXXXXXX on XX/XX/year> without my approval.
Product: Debt collection

RADIUSGLOBAL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX, Date Opened : XX/XX/2019 Rate/Status : Collection High Credit : {$680.00} Comments on Account : COLLECTION ACCOUNT ORIGINAL CREDITOR : XXXX XXXX XXXX AS COLLECTION ACCOUNT i subscribe to XXXX  to monitor my credit report. That appeared on my report above. 
They called me and offered a settlement amount of XXXX to pay off the XXXX, i paid the XXXX and when given a confirmation number to verify it was paid was asked for social security number. upon giving the number they all of sudden stated there is other debts that they have in their agency that were not being reported on the credit report. I was not told any other debts existed till i paid the XXXX, i feel fraud as i was under impression debt from company completely paid off with XXXX only to be told other debts might now appear on my report that i did not know existed. is that lawful?
Product: Credit reporting, credit repair services, or other personal consumer reports

INFORMATION PROVIDED TO XXXX ( HIRING COMPANY ) FROM HIRE RIGHT ( CRA ) INCLUDED A CRIMINAL BACKGROUND REPORT WHICH ANTEDATED THE REPORT MORE THAN SEVEN YEARS. 
ADVERSE ACTION OF THE OFFER OF EMPLOYMENT WAS TAKEN BASED ON THE INFORMATION PROVIDED TO XXXX. 
CRA DID NOT DATE THE BACKGROUND SEARCH AT SEVEN YEARS. NO NEW REPORT WAS PROVIDED XXXX, DID NOT PROVIDE A PRE-ADVERSE ACTION NOTICE. 
XXXX DID NOT AFFORD THE OPPORTUNITY TO CORRECT THE DISCRIMPANT INFORMATION IN THE REPORT.
Product: Mortgage

We purchased our home in XX/XX/XXXX with over {$80000.00} of equity in it. The mortgage company was XXXX. On XX/XX/XXXX, our home flooded. We immediately moved into a hotel for 4 months ( that we had to pay for ), then in XX/XX/XXXX we moved into a XXXX trailer for the next 18 months. During this time we were reassigned to XXXX. As a result of the XXXX XXXX XXXX of XXXX, we were put into mortgage forbearance. Long story short, we submitted for hard-ship or refinance 8 times and have been turned down each time. In almost every instance there was something wrong with our paperwork and on XXXX occasions, when we were waiting on a reply after we though everything was fine, XXXX came back and said they apologize but we had been reassigned to a new XXXX. My wife even lost her job and XXXX would not help. Keep in mind, during the early stages we had a ton of equity in the property and asked several times to just add the outstanding balance to the back of the loan. Each time we were turned down and the only remedy was to pay-off the entire amount. We even went to our XXXX XXXX for assistance and were turned down by XXXX. I have had to file Bankruptcy 3 times to avoid losing my home and my wife has filed once. We just submitted to again to be refinanced to no avail as we are now way behind in payments.
Product: Debt collection

I was informed of the judgement by a third party while trying to purchase a home this year. I was not aware that the judgement existed until then. The debt is not on my credit report. I was never served any documentation on any judgement. The debt is dated for 2014, which is over 7 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  XXXX, has violated my rights. 
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: Debt collection

I submit a debt validation request dated Monday, XX/XX/2020 and did not receive a letter back from NBF until XX/XX/2020. In the letter it only states they spoke to their client and their client is not a contracted provider with my insurance. This answered few if any of the requests in the debt validation request dated Monday, XX/XX/2020. In addition, I started receiving phone calls from them on XX/XX/2020 and per my understanding it is a violation of the collection practices act for a debt collector to fail to respond to a verification letter. I completed additional investigation and found multiple complaints and lawsuits against NBF for similar circumstances, please see below for sources : XXXX XXXX XXXX : XXXX : XXXX Roth Et Al V. National Business Factors Inc. of Nevada XXXX XXXX XXXX
Product: Credit card or prepaid card

After watching the ads by XXXX XXXX XXXX. about their allegedly all purpose efficient satellite internet service, I decided to engage their services by contacting them online. A technician arrived on XX/XX/XXXX to install a satellite dish and a modem. Then he made me sign on a blacked out tablet twice allegedly to confirm that he was there to install the equipment and that I was satisfied with his service. To my dismay as soon as he left I found out that the internet streaming service by XXXX is unusable for my subscriptions to XXXX XXXX XXXX and XXXX being interrupted every few seconds with buffering and pixilating images. This was not corrected despite my calls to their help technicians for five times. At last one advised me to watch my movies only from XXXX XXXX  to XXXX XXXX. I tried that but that didn't work either. I tried to wait until XXXX technicians could finally solve this problem. But by XXXX week of XXXX, I have had enough and immediately sent a certified letter dated XX/XX/XXXX and received at their main office as of XX/XX/XXXX. Thereupon I went into my account and instructed Capital One XXXX XXXX that I was disputing all of the collection charges by XXXX XXXX XXXX. Over the course of about two months from XX/XX/XXXX to the present, there had been series of messages between me and Capital One with that company crediting back to my account the charges of XXXX XXXX but later putting them back as collectible dues after that company serves them the usual contesting messages citing a contract that tied me to their service for two years. I did not sign that contract which was simply sent to me via e-mail and I believe my signature on a blacked out tablet was gained through subterfuge and fraud. And yet, Capital One consistently sides with XXXX XXXX. My position is that the transaction is void because of failure of delivery of satisfactory service.
Product: Mortgage

I applied for and received a 6 month grant from my state, Pennsylvania, for XXXX mortgage relief funds in XXXX, XXXX. This grant pays my mortgage monthly for six months and concludes with the XXXX, XXXX payment. PA submits these payments electronically through XXXX. Payments have been made up and through XXXX, XXXX. PA 's last and final payment through my grant will be next month. Santander has only recorded TWO ( 2 ) of those months, XXXX and XX/XX/XXXX, showing me delinquent for THREE ( 3 ) months. Santander utilizes XXXX to process their electronic payments from customers and customers grant monies. I have been corresponding with Santander 's Loss Mitigation Department via email and phone since the beginning of XX/XX/XXXX regarding their non-recording of payments to my account. My biggest concern is that come XXXX, XXXX when I must make a payment from my own funds that Santander will apply it to those months that they INACCURATELY CLAIM are past due. I have provided Santander Loss Mitigation with XXXX 's ID # 's for each payment as given to me by the state of PA. I even provided the dates of issue and the dates that XXXX ACCEPTED and RECEIVED those payments ( in other words XXXX, Santander 's contractor ). How can you help me with this?
Product: Credit reporting or other personal consumer reports

I am filing this complaint because XXXX, TransUnion and XXXX are reporting charge-offs on my credit report. This reporting is both inaccurate and inconsistent with IRS regulations regarding charge-offs and income reporting. The charge-offs are also in violation of the FCRA. I have reached out to XXXX, XXXX XXXX Transunion to resolve the matter, but there has been no change to my consumer file. The following creditors need to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IRS XXXX on XXXX as XXXX : According to the IRS, XXXX charge-off is considered income to the consumer, as it reflects debt forgiveness. Income is not allowed to be reported on a credit report, as credit reports are designed to reflect credit and payment activity, not taxable income. The inclusion of this charge-off is a misrepresentation and is damaging to my credit profile.

2. Failure to Issue a Form 1099-C : Furthermore, the creditor has failed to issue a Form 1099-C for the alleged charge-off, which is required by the IRS to reflect forgiven debt as taxable income. The absence of a Form 1099-C indicates that the charge-off is not legally considered forgiven debt, further invalidating its inclusion on my credit report.

3. Impact on My Creditworthiness : The inaccurate reporting of this charge-off has had a significant negative impact on my credit score, affecting my ability to obtain credit and financial opportunities. This reporting is misleading and does not reflect accurate information.

I have mailed out multiple letters to get this issue resolved, but have not been successful.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I am writing to disputed hard inquiries on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1b ), there are specific permissible purposes for obtaining a credit report. I did not authorize theses ha inquiries and can not find any permissible purpose under this section that justifies their presence on my credit report I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as Hartz v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with Them : XXXX XXXX  XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many Disputes to Equifax concerning an account with XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX  has always verified information about this account. I have contacted XXXX XXXX XXXX XXXX to request a Payment History and XXXX XXXXXXXX XXXX was unable to provide a Payment History for this Account, they could not find the account. The account information is taken from an Equifax credit report dated XX/XX/XXXX, Equifax Confirmation number is XXXX. The account number in question is XXXX from XXXX XXXX XXXX XXXX XXXX MT XXXX : XXXX. 
According to the report from Equifax the account was opened XX/XX/XXXX. The Terms Duration is left blank with no information ( Error 1 ). Months Revd is 99 This is incorrect ( Error 2 ). Amount Past Due is left blank ( Error XXXX ). Actual Payment amount is left XXXX - incomplete ( Error 4 ). Scheduled Payment Amount left blank inaccurate ( Error 5 ). Date of last activity was XX/XX/XXXX, Date of Last Payment was XX/XX/XXXX how can you have a payment after what is supposed to be the last activity a month later - incorrect information ( Error 6 ). This account was opened from XX/XX/XXXX with the last payment showing as XX/XX/XXXX. How can an account that was open 4 years and 1 month have a reported Account History with only 2 months - XX/XX/XXXX and XX/XX/XXXX showing ( Error 7 ). By law FCRA, Section 609 and 611, XXXX XXXXXXXX XXXX  and Equifax are required to report information accurately. Information is incorrect, missing, inaccurate from both companies.
Product: Credit reporting

My dad who has used my social security number to apply for credit without my consent. He has also done this to my sister in the past. would like to get the inquiries off of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

All companies that are reporting to my consumer report are continuing to report nonpublic information to my credit report. I have already sent each company opt out letters which stated that I am opting out of anything being reported to my credit report that I do not agree to have reported. According to the FCRA and the Privacy of 1974, I have the right to make sure my PRIVATE information isn't shared with any credit reporting agency or its affiliates. I have never given them written, non-verbal, verbal or implied consent to report any of my nonpublic information to the Consumer Reporting agencies. 15 UCS 6802 states that A financial institution may not disclose nonpublic information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never informed of my right to exercise my nondisclosure option. I've also sent letters to XXXX, Equifax and XXXX and revoked any consent to furnish any information to my consumer report that I do not agree to have furnished. According to 12 CFR 1022.3, the definition of Identity theft, which means a fraud committed or attempted by using the identifying information of another person without their AUTHORITY, this matter could also be identified as IDENTITY THEFT because i never gave them any authority to do so. There reporting has severely impacted my credit score and I would like to be fully compensated for this.
Product: Bank account or service

USAA Federal Savings Bank was arbitrary and capricious in the issuance of a XXXX, Cancellation of Debt. They also do not follow IRS rules for issuing the XXXX USAA XXXX refuses to provide their policy in writing for issuing XXXX. 

I owed XXXX debts of equivalent age and both over {$600.00} dollars. XXXX accounts were charged off by USAA three days apart ; however, only XXXX account was issued a XXXX. In the XXXX, USAA indicates in Box XXXX they " discharged '' the debt and in Box XXXX they do not hold me " liable for repayment '' yet they continue to seek reimbursement. 

USAA also failed to comply with IRS " Specific Instructions for Form XXXX '' and provide the telephone number to the correct department on my XXXX as " CAUTIONED '' in the IRS instructions ( they did n't provide any telephone number ). This blatant hurdle to customers is only further exacerbated by their refusal to provide me their written policy or established business practice ( for ceasing collection efforts and issuing the XXXX ) as required by the IRS. Couple this with the numerous different explanations of why I received a XXXX and why I still must pay, you realize their customer service representatives ( CSRs ) are not reading from the same script ; in fact ; some CSRs indicated I did n't owe anything. 

What 's ironic is that when I first approached USAA about the XXXX, they asked that I fax them a copy of it! 

USAA 's lack of transparency, and their inconsistencies and unfairness in applying policies they will not put in writing is POOR customer service. 

I have paid in full the account that was not issued a XXXX. However, I refuse to pay a debt that was " cancelled '', then " discharged '', and that I am " not liable to repay '' as indicated on the XXXX. Besides, the XXXX has to be treated as income on my taxes and a loss on USAA 's.