23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have faxed over documents to Credence Resource management on XX/XX/2022 for a debt validation for {$2800.00} per the Fair debt collection practices act, 15 usc 1692g. I requested they office provide me with competent evidence that I have any legal obligation to pay them. They have failed to provide me that information, instead they provide what looks like an old bill from an unknown address. They also failed To stop telephone contact after my cease and desist to stop phone call attempts. 

*Documents are attached of what I sent company*
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not apply for any credit service with this bank or allowing them to pull my credit without permission.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX and saw some hard inquiries that did not have permissible purpose. 

1.XXXX  XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 2.XXXX XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 3XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 4. XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 5.XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 6.XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 7.XXXX XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 8XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 9XXXX XXXX XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 10.XXXX  XXXX XXXX XXXX  XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 11.XXXX  XXXX VIA DEALER XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 12XXXX XXXX  XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 13XXXX XXXX XXXX XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 14.XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b
Product: Credit reporting or other personal consumer reports

I am writing to formally notify XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and TransUnion are reporting agencies and, under 20 U.S. Code 1232g ( FERPA ), a credit reporting agency does not fall within the categories authorized to access student education records or information without explicit written consent. As such, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and TransUnion reporting agencies is prohibited from obtaining, using, or sharing any student record information without my consent. 

FERPA strictly limits access to student records to the following entities : School officials with a legitimate educational interest Government agencies conducting audits/evaluations Organizations conducting educational studies Parties complying with judicial orders/subpoenas A credit reporting agency does not meet these criteria and, therefore, can not legally access student education records without consent. Any attempt to obtain or use such records would be a violation of federal law.
Product: Checking or savings account

WELLS FARGO BANKAND ITS SUBCONTRACTORS IN FINANCE AND LITIGATION HAVE BEEN COMMITING RACKETEERING AGAINST ME FOR SEVERAL YEARS. THEY MAKE NO DEFENSE TO THE CLAIM MADE AGAINST THEM. THEY CONSENT TO THE CFPB ORDER AND CONFIRMED THE AFFADAVIT OF DAMAGES. BUT AGAIN WENT XXXX XXXX ALL OF XXXX WITH FURTHER RACKETEERING.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts below do not belong to me and they are bring my credit score down each month and Im in the process of rebuilding my credit after a Bankruptcy this account dont belong to XXXX XXXX XXXX account # XXXX Opened XXXX/XXXX & Balance {$2100.00} two account is mine and it has lates but I was never late, they are below XXXX XXXX XXXX opened XX/XX/XXXX lates reported XX/XX/XXXX Not late lates reported XX/XX/XXXX Note late XXXX  XXXX # XXXX Opened XX/XX/XXXX balance {$630.00} Late reported XX/XX/XXXX Not Late
Product: Mortgage

In XXXX XXXX, my wife XXXX XXXX. At the time of her XXXX, I satisfied my mortgage loan of {$120000.00} with XXXX XXXX XXXX ( see attached payoff statement ). At the time I was preoccupied with the XXXX, XXXX XXXX, etc. It was not until a few months ago that I rediscovered the life insurance policy that my wife and I had with XXXX XXXX XXXX / XXXX XXXX XXXX. XXXX ( XXXX ) ( see attached " Approved '' letter from XXXX XXXX ). 

I contacted ( XXXX ) approx. XX/XX/XXXX regarding the policy. They had confirmed that the monthly premium of {$58.00} was being paid by GMAC out go escrow through my mortgage payment ( see attached policy cover letter ). They then informed me that GMAC had stopped making Payments XX/XX/XXXX. After questioning XXXX/XXXX as to why GMAC would stop making payments, I was told that GMAC could have changed insurance companies. 

After making attempts to call GMAC I have discovered they are no longer in the mortgage business ...
Product: Credit reporting or other personal consumer reports

In XXXX of 2023 I found out that I had become a victim of identity theft, in reviewing my credit report I found a credit card account in the amount of {$500.00} for XXXX XXXX XXXX XXXX I have NEVER applied for such card or used this account. I filed an FTC and police report and sent them to XXXX XXXX but have not had any contact or resolved the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have Accounts passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$290.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00}.
Product: Debt collection

To whom it may concern : I went onto XXXX  the other day, : & found a collection account with XXXX XXXX XXXX XXXX XXXX. 

I have had no business with this vendor in all my years ; and I shared this fact with the gentleman at Enhanced Recovery Collection : I have had no correspondence from XXXX  XXXX XXXX XXXX, nor have I heard of this collection agency According to ERC/ collection agency this is an account dating back to XXXX Again, if this account is owed by someone. It is not me.
Product: Mortgage

i have a home improvement loan through associated banks.i have informed them that i must let the house go to foreclosure. this was over 1 year ago. when they wrote the loan, my home was to be the collateral for the loan. how ever they disregarded the title report indicating that i was n't even listed on the title. my XXXX deceased brothers were listed as tenants in common on that title report. because our local family lawyer, XXXX, misinformed me as to what i had inherited as a sole surviving son. and also never back checked any of the legal actions he had preformed for my family. this left me with an unsellable house which i have remodeled, but do n't own. associated has been elusive on reveling what actions they plan against me for defaulting on a loan they should never have written in the first place. XXXX XXXX is the loss mitigation manager whom Ive spoken with in the past. almost impossible to be reached by phone, very aggressive & confrontational. according to a recent inquiry with XXXX XXXX as to the state of the loan, she told me the bank had given up on the loan & it was not being sent to collections. i have since been denied access to that contact & referred to XXXX XXXX. they say they do n't want the property, yet there is still a lean against the title preventing me from selling the home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, sent Equifax all 4 parts of section 605B of the FCR, the identity theft laws of the USA telling CRA 's how they are required by this law to react to ID theft claims by the consumer. Equifax takes a very simple law, with very specific details on how they are to remove fraud items from the file of the consumer who provides 4 specific items to invoke the removal of fraud items in the credit file of the consumer. Equifax claims their policy can rewrite the law, and they can demand additional items, and allow more time than the 4 business days the law allows. These additional and unlawful extensions of time, simply harm the consumer, by keeping illegal accounts on the consumer 's file longer than legally allowed. Equifax breaks the law, and they also block the consumer the right to appeal the wrongful policies by never transferring the consumer to a supervisor. Over 6 1/2 hours on the phone, documented, and never connected to a supervisor. That is in one day, XX/XX/2020. I am tired of credit bureaus writing their own addendums to section 605B FCRA, and no one holding them accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete this account from my credit report because they are reporting inaccurate information. The company XXXX XXXX  # : XXXX. This company XXXX is reporting inaccurate information and the tradeline should be removed as soon as possible. I received a response from the collector that states that they received the account in XX/XX/2019. However, they are reporting 2 separate dates, XX/XX/2019 and XX/XX/2019. I have never agreed to authorize this merchant to collect on this balance which are reporting as late and at this time the information that is being reported is considered misrepresentation with false information provided to 2 credit bureaus. The company is also reporting under 2 separate names and providing negative payment history. The CRAs have an obligation to report accurate information, please stop this company from damaging my credit with this incorrect information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 15 U.S.C. 1692c ( b ). that law clearly states In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from thedebt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving suchcommunication.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of theconsumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of thecreditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumerwishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that thedebt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that thedebt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector orcreditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Credit reporting or other personal consumer reports

I am filing a request the removal of an account from my credit report. The account in question is associated with XXXX XXXX, with the account number XXXX. I was added as an authorized user on this account. As an authorized user, I had full purchasing privileges ; however, I had no contractual obligation or liability for the repayment of any balances on the account. I was removed as an authorized user on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX To Whom it May Concern : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and i didn't get a response within 30 days and ya 'll are Required by law to do so please investigate my disputes, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting yout this CFPB Complaint today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX 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 Balance Owed : {$710.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX XXXX Balance Owed : {$850.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX  XXXX Balance Owed : {$30.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), the Credit Reporting Agencies ( You ) shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. Please comply with the law.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account.

4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current.

5. 15 U.S. CODE 1692G - VALIDATION OF DXXXX  XXXX XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account.

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, 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: Mortgage

Recently the Federal Gov't fined Goldman Sachs {$5.00} XXXX. How do consumers file claims to get reparations.
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. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit card

I was told The cost of the XXXX ride was XXXX. XXXX overcharged the ride to more than double that Amount. Chase refused to allow me to dispute the charge on line and by phone refused to issue a temporary credit to allow the charge to be disputed.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.