23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

MG CREDIT is inaccurately reporting two medical debts that were previously covered & paid by health insurance. The medical bills of {$240.00} and {$92.00} are older than 7 years have been reaged on credit report to XXXX. I do not owe this b/c it was paid by health insurance carrier of my then employer XXXX  XXXX XXXX. I never received validation or verification of these two bills that I previously requested multiple times and have disputed with the credit bureau. I was informed the collection agency doesnt submit written verification of debt to the credit bureaus only verifies consumers name, dob, and ssn. I DO NOT owe b/c these two bills were covered by medical insurance. A collection agency must be licensed in FL and MG Credit doesnt show listed on FL office of financial regulation website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out 2 letters each on XX/XX/2022 through certified mail to XXXX, Experian and XXXX to remove personal information that I do not want on my credit report. According to FCRA 15 U.S.C 1681 I have the right to privacy and according to 15 U.S.C 6802, no financial institution can share my personal information to third parties. I also did not give written permission for any company to furnish these items on my credit report. 

These are blatant violations of my federally protected consumer rights. 

Here are the individual tracking numbers : 1. XXXX Delivered XXXX XXXX 2. XXXX Delivered XXXX XXXX 3. XXXX Delivered XXXX XXXX 4. XXXX Delivered XXXX XXXX 5. XXXX Delivered XXXX XXXX 6. XXXX Delivered XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit file and unfortunately found that some of unauthorized inquiries were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following unauthorized inquiries from my credit file within the next 15 days. 
XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of these items being reported on my credit report I have request validation of these items by submitting any documentation with my wet ink signature on it. These items are reporting negative on my report in which The credit bureaus have failed to provide me with a proper investigation into the matters. I have filed a police report as well as a FTC complaint in regards to this matter. According to the FCRA and the FDCPA you are required to provide me with all of the documentation you have verifying that this debt belongs to me. XXXX account # XXXX is the account in question
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my XXXX credit report, on XX/XX/2023, a company requested a hard pull of my credit. I have never heard of the company in question, nor did I authorize the request. I disputed this twice with XXXX, once on XX/XX/2023 and once on XX/XX/2023, both of which times have been denied and the information is not being removed. It does not appear that any new accounts have been opened from this inquiry, and as such, I believe this is an erroneous hard credit inquiry by the company in question and not fraud. As a result of this, I have placed security/fraud notices on my credit file with all major bureaus ( XXXX, XXXX, XXXX ) XXXX as a precaution. 

The company in question that apparently made a hard inquiry is : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX I have attempted to contact the company directly, but so far have not been successful, so I am submitting this compaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

Received and a bill dated XX/XX/ stating that they are trying to collect a debt on behalf of TD bank N.A. for the amount of XXXX XXXX 

I responded with a written letter dated XXXX XXXX USPS XXXX XXXX XXXX XXXX  requesting : 1 : Notice of Assignment ( NOA ) from original creditor to XXXX XXXX XXXX XXXX XXXX XXXX  regarding alleged debt. 
2 : If they purchased this debt and for how much. 
3 : Name of person with first hand knowledge about the debt at XXXX. 
4 : What due diligence did XXXX conduct to verify the legality of the debt. 
5 : If they are in possession of my original security instrument ( contract with TD bank ). 
6 : Legal relation ship between XXXX and me and/or contract and terms of such contract if any. 
7 : Evidence of my agreement with TD Bank. 

XXXX responded to one of my inquiries only ( A copy of agreement between me and XXXX XXXX  ) and ignored all other inquiries. 

I responded with another letter dated XX/XX/ requesting same information in my previous letter. 

XXXX continued to call my private tel # and leaving messages. 

I sent a seize and desist letter dated XX/XX/2023 which XXXX ignored and continued to contact me. The last call was earlier today at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX HAS CONTINUE TO REPORT AND ACCOUNT THATS NOT MINE THIS IS BEING REPORTED TO XXXX, XXXX XXXX THIS INFORMATON IS INACCURATE!. LOWERING MY CREDIT SCORES
Product: Debt collection

I went to Volkswagen of XXXX XXXXXXXX to purchase a vehicle and satisfy the entire price of the vehicle via a consumer credit transaction pursuant to the Truth In Lending Act. During that same date agents belonging to Volkswagen of XXXX XXXX made material presentments and furnished deceptive forms as to nature of the contract when they presented me a " credit application account # XXXX " with the intent of utilizing the par value in conjunction with my signature on the application as a draft to create new money on their accounts which satisfied the purchasing order and the finance charge which is the sum of all payments pursuant to15 U.S.Code 1605 ( a ) for the XXXX XXXX XXXX XXXX causing deceit of the nature of the agreement in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) prohibits unfair or deceptive acts or practices in or affecting commerce. because they extorted me to compel to perform for payment that was already satisfied. The contract being void ab initio because of the fraud performed. Therefore there is no agreement of the debt neither did VW Credit have the right to assume anymore a debt wherefore collection could be made. VW Credit Inc further harmed my estate, damaged my marriage by way of my reputation, and committed theft against me by way of taking my vehicle ( XXXX XXXX XXXX XXXX vin # XXXX ) by way of their self described " reposession '' and engaged in human trafficking pursuant to ( 22 U.S.C. 7102 ( 11 ) ( A ) ) of my XXXX XXXX Person, and violated my right to privacy pursuant to 15 U.S.Code 1692 ( a ) when they trafficked my person to multiple " Credit Reporting Agencies '' for profit such as XXXX, XXXX, and XXXX see proof attached in the next document labeled attachments XXXX, and XXXX. Please see full attachment of the correspondence via the mail that I gave to VW Credit Inc labeled attachment # XXXX on the date XX/XX/XXXX CERTIFIED MAIL, RETURN RECEIPT REQUESTED # XXXX XXXX XXXX XXXX XXXX, and Attachment # XXXX XX/XX/XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is my 4th requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Mortgage

Supposed to get payment from XXXX XXXX  Western Union since I have been a customer from XX/XX/2011 to now and have received nothing from them, how do I get my refund??? 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Tx. XXXX XXXX
Product: Mortgage

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX To Whom It May Concern : Chase has refused to give us the complete life of loan history despite our Requests for Information. We requested the life of loan history after we successfully completed our Chapter XXXX Bankruptcy in XX/XX/XXXX. In XX/XX/XXXX Chase sent us a mortgage statement showing we were past due on our payments by several months in the amount of {$6700.00}. We were not behind. Also, the statement showed we had an escrow balance of XXXX. Chase stopped taking our mortgage payments and caused us to go into default. Case Bank then reopened an old foreclosure action from XXXX, telling the court we were in arrears when we were not behind. They set up a Sheriff Sale to take our home. We complained and had an attorney help us stop the sale. We have asked for the complete Life of Loan history showing all payments and credits in real time for our loan and Chase has refused to give it to us. Instead they gave us a partial Life of Loan and then a summary of payments. We cant tell what they did with our account and we still want answers. We believe we have overpaid on our mortgage loan and we need to complete Life of Loan history to see what happened. We were having problems with Chase before we filed our Chapter XXXX Bankruptcy in XXXX of XXXX. We have made several requests for information and notices of error and we can not get the complete records. Chase has also refused to provide to us all our case notes despite our requests for information. They state that CFPB regulations prevent them from doing so. Chase told us that We are unable to send you servicing notes going back to when Chase began servicing the loan. On XX/XX/XXXX, new rules from the Consumer Financial Protection Bureau went into effect that requires us to provide this information from that date going forward. Chase has not told us what regulations prevent Chase from giving us all the Chart notes even though we asked them for this information in a subsequent request for information. We want the complete Life of Loan history and our complete Chart notes from Chase. We are concerned that they are hiding things and that they made a false statement about the CFPB rules that went into effect on XX/XX/XXXX. Please advise Chase to comply with our requests and let us know what your regulations allow and require Chase to do here. Sincerely, XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX : Account # XXXX, has violated my rights. 
This company continues to report a 30 day late payment to XXXX, XXXX & Equifax from XXXX of 2018. 
My account was reported closed in XXXX of 2018 through XXXX & Equifax. I sold this car in XXXX of 2018. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I never gave these written instructions. & also. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi, i just apple for a chase freedom credit card on XX/XX/XXXX. because i saw my XXXX XXXX  list that i will get approval for a chase freedom card. then on XX/XX/XXXX i receive an HARD INQUIRIES on my credit report. can you please help me remove HARD INQUIRIES on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I attempted to get a loan approval from XXXX XXXX. Upon running a credit check Equifax report stated : 1. APPLICANT FILE BLOCKED AT EFX. ( XXXX ) 2. APPLICANT INFORMATION FROM THE INQUIRY HAS BEEN IDENTIFIED BY THE CONSUMER AS FRAUDULENT- REPORT UNAVAILABLE. ( XXXX ) Both XXXX and XXXX had no issues pulling a credit report. 
Contacted Equifax to resolve but was directed to fax their dispute deportment. 
XX/XX/2019 I faxed them to look into the issue. 
XX/XX/2019 Equifax replied stating unable to locate a credit file stating " not having a current file '' as a reason for this issue. 
I have now gained a loan approval from XXXX XXXX but they are coming up with the same reports of " File Blocked '' and " Fraudulent ''. Again both XXXX  and XXXX had no issues. 
XX/XX/2019 I have again attempted to contact Equifax to resolve this issue but was directed to fax their dispute deportment. I again have done so with more information and to clarify that I needed this unblocked and a written statement as Not Fraudulent.
Product: Credit card or prepaid card

Made 2 online purchases with XXXX on the same day. First one was ok, second one we received a fraud alert, asking if we authorized the purchase. We replied that we did, and was told the charge was denied by Chase, and if we still wanted the item, we would have to repurchase. 
Why would Chase tell me to authorize another purchase with the same vendor that they consider fraudulent? 
Since we thought the charge was denied, we repurchased with another vendor, only to find out that the original charge with XXXX went through. Why would chase allow this vendor to re-submit the charge if Chase thought it was fraudulent? 
Was told by someone in Fraud Department that they could not take the XXXX charge off, and we had to talk to the dispute department. The dispute department told me to talk to the fraud department. Both said I would have to contact XXXX for a refund. 
Why do I have to dispute a charge I authorized in the first place and the burden falls on us to resolve this, when it was their fault. Had to drive XXXX XXXX round trip to XXXX ( we live in a rural area ). Hopefully they will cooperate but I have to wait to hear from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I applied for a VA, FHA, USDA and or XXXX. I was told by XXXX with Factual Data that their General Counsel told her Not to Release my Disputed Updated Credit Report, to-date I've Not received my Updated Re-scored Tri-merge from Factual Data so that I can further engage in the Mortgage process. Disputes consist of : Removal of XXXX  XXXX  XXXX ending # XXXX account doesn't belong to me, XXXX, ending # XXXX, this account has No balance, XXXX, ending # XXXX, account doesn't belong to me, XXXX XXXX XXXX XXXX , XXXX XXXX Not reporting, Loans number ending XXXX, XXXX are Not Reporting to XXXX in the Mortgage section of my Credit Report with effort to show that I never had a XXXX XXXX, nor PAID account Off in FULL, XXXX XXXX , ending # XXXX & XXXX, accounts exceeds the FTC 7 year Reporting period, Remove this XXXX. XXXX  XXXX XXXX, ending # XXXX, account exceeds the Federal Trade Commissions 7 year Reporting period, get this XXXX off as well, thanks
Product: Credit reporting or other personal consumer reports

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an ID theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



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

The loan was co-signed by a ex-fiance (, XXXX ). i paid it down toXXXX. because he helped with other expenses.I fell at work, which caused significant back damage. wasn't paid anything for a year.0ne Main Financial advisor did some adjustment a couple ( 4-6 m ) I paid close toXXXX, but bill stayed the same XXXX meanwhile put XXXX into vehicle due vandalism done by XXXX ex-fianc..I 'm afraid to charge him in civil court. 
My request to loan company is to take ex-fiance off the loan as co-signer. Broken up since XX/XX/2021. There are companies that help me pay the loan but XXXX XXXX want to charge me {$500.00}. to take XXXX off as co-signer. At this time I owe 34 more paymentsXXXX on $ XXXX.on Social security. I need help. The last payment i paid {$100.00}. of XXXX only {$.00} went to the principal.
Product: Credit reporting or other personal consumer reports

I have multiple fraudulent and inaccurate accounts with XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX that have been reported on my consumer credit file. These accounts are not mine, and I am not legally responsible for them. Despite my efforts to dispute the inaccuracies directly with the credit reporting agency, they failed to take the necessary steps to investigate or remove the information from my report. The presence of this fraudulent information has caused significant harm to my creditworthiness and financial situation. I request that this matter be investigated further and the inaccurate information be removed from my credit report as required by the Fair Credit Reporting Act ( FCRA ). These accounts are false and falls under XXXX according to XXXX XXXX XXXX XXXX ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX, Experian.
Product: Debt collection

XXXX. ) Experian, XXXX and XXXX refuse to remove fraudulent accounts from my credit profile in which is a result of identity theft. 

XXXX. ) Their claims are without facts and they make statements such as the creditor certified the information. 

XXXX. ) Upon my request to to review the certification documents that the creditor certified all credit reporting agencies denied my access to review the file. 

XXXX. ) a creditor must not certify its claims ; it must verify its claims and alleged debts in which XXXX has not verified its alleged debt, there is no original contract between I and XXXX and I have never lived at XXXX XXXX XXXX XXXX XXXX ; XXXX Florida XXXX. 

XXXX. ) therefore no debt can be verified and must be removed and I am no longer to be harassed by XXXX over debt that is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 USC 1681. Accounts : XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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 USC 168s-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.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said account. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXXXXXX # XXXX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission. 15 U. S. C. 166b A. Creditors may not treat a payment on a credit card account user an open end consumer credit plan as late for any reason. This has nothing to do with FRAUD!