23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and 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 human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

I go to check my credit report and see that a debt that I have no knowledge of, is on my credit report. So, I make a phone call and call the company and requested that they mail me proof that the debt belonged to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally inform you that I am a victim of a data breach. As a result, the following fraudulent account has appeared on my credit report without my authorization. I am requesting that this account be blocked and deleted from my credit file in accordance with 15 USC 1681c 2 ( a ) and FCRA 605 ( b ) : Fraudulent Account XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XXXX o Balance : {$2200.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX is when i submitted my very first letter to all 3 major credit bureaus trying to remove and update all incorrect information due to identity theft. Till today ( XX/XX/XXXX ) nothing has changed. I have filed a second police report on XX/XX/XXXX. I sent all the info of the police reports, I sent all the letters explaining to them that some of the addresses, debt, and collections do not belong to me and they were opened fraudulently. I even asked them to provide proof and info on how they are verifying this debt and nothing has been received from them. Its been over 3 months since I have requested that information. I have froze my accounts and submitted identity theft reports to the FTC. I have MULTIPLE reports. I am about to file a 3rd police report on identity theft. Below are all my FTC reference numbers. For each number I have submitted multiple letters to each of the 3 credit bureaus and nothing is changing on my credit report, and new things keep appearing almost every month. It is disturbing the quality of my life and I need this incorrect/ fraudulent information removed immediately! 

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

The CFPB has jurisdiction over this matter because it concerns the an installment loan # XXXX by Banker 's Health Group ( BHG ) which was originalted on or around XX/XX/XXXX. On or around XX/XX/XXXX, after prolonged illness related to XXXX under XXXX  XXXX  XXXX XXXX ( XXXX ) combined with severe setbacks caused by XXXX and furlough, i attempted in good faith to extend an existing loan modification/forbearance ( original dates range from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to BHG as an alternative to bankruptcy and reasonable accommodation under XXXX. 
***Further, XXXX XXXX also applies due to XXXX STATE OF EMERGENCY IN CALIFORNA PER GOVERNOR ORDER, and BHG is duty bound by its lending/banking authority to make reasonable allowances for this STATE OF EMERGENCY until it is officially lifted and normal business resumes. XXXX Although BHG claimed a 10 day turnaround for these requests, I did not hear back, and I can only assume BHG 's systems are overwhelmed due to these unprecedented times. BHG is subject to California Financing Law License No. XXXX ( Enclosure. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried for two months to ask Equifax to remove inquiries on my credit file that I do not recognize and to correct my name. I have sent them my drivers license and my SS card and nothing. Sthe hack my credit has been giving me issues. As a person who is having issues with information on my credit file its frustrating to see that the agency wont correct this. As a result, I will be canceling my Equifax premium account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that Credit Bureau has reporting inaccurate and incomplete credit information on my Credit Report. 
I understand that mistakes happen but their inaccurate information could cost me in higher interest rates and I have enough expenses as it is. I been sending to the bureau disputing letters numerous times I have green receipts proof from post Office of delivered my letters but Bureau has neglected my request. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 
1. The wrong amount is being reported XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. I have never been late with payments on this account. 
XXXX XXXX XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft - XXXX XXXX XXXX reported a XXXX loan on my credit report in XX/XX/2022. I reported the fraudulent account to Equifax who confirmed the fraudulent loan belonged to me. However XXXX and XXXX removed the account. equifax refused to do so.
Product: Debt collection

This company Credit Management Company, have damaged my credit they have put a collection on my account in fact, I signed up for a indegente payment and I was granted, this happened back in the year XXXX  .And now all of a sudden this shame service company Credit Management Company ruined my credit.I never heard of this company and have never received anything from this company
Product: Debt collection

To Whom It May Concern, The reason for my dispute is CREDIT COLLECTION SERVICE XXXX I would like to see proof of claim in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CREDIT COLLECTION SERVICE failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX County. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course.CREDIT COLLECTION SERVICE is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CREDIT COLLECTION SERVICE is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.CREDIT COLLECTION SERVICE has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Student loan

I contacted navient to to inquire about being able to lower my payment since I also have several'other student loans in repayment. They refuse to help me and say there is nothing they can do. Even after I tell them how much student loan debt I have they still state they can not help me in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive filed a dispute with XXXX  and XXXX   about this debt that clearly doesnt belong to me. This card belonged to my deceased father and Portfolio Recovery Associates refuses to acknowledge that, even though the Social Security Number, and address are not associated with me. Theyve gone as far as to try to sue me for this debt that is not mine.
Product: Debt collection

VALIDATION AND CEASE AND Desist To whom it may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor? PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please state why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing the debt. Thank you for your immediate cooperation.
Product: Debt collection

I have been contacted by Raz Lavar law firm, and I have also talked to XXXX XXXX who has the target credit card I have spoken to them. I have multiple times documented in which they screamed and yelled at me. Talk down to me threaten jail threaten lawsuit now I got contacted by their law, firm, same tactics, Ill ask for paperwork regarding the debt. I still have yet to receive it. I believe multiple phone calls multiple email messages for someone to contact me no one does and its getting really XXXX ridden you keep pressing me from my bank account information and Im not giving it when I cant even get a phone call back if I have a question and then when I do talk the two times I got screamed at this is why I am filing this complaint on both accounts
Product: Checking or savings account

On XX/XX/XXXX my motel refunded XXXX of a weekly reservation. The manager let me take a picture of the screen. The travel agent, super +, didn't refund the money back to me. So I disputed the transaction, but the bank, SoFi, routing number XXXX wrongfully determined that the transaction was valid.
Product: Mortgage

StoneGate Mortgage failed to give me credit for one of my mortgage payments. 
This was shown on my XXXX 2016 statement. It shows that the payment was received on XXXX XXXX, 2016 and then reversed. There was no reduction in my principal. I called the company and spoke with XXXX at ext. XXXX. I was told that this was an error on their part and it would be corrected. I also contacted my bank. The mortgage payment in question has cleared. 
I have just received my XXXX 2016 statement. This correction has not been made. The principal has not been reduced and the interest charged can not be correct if they calculate my interest expense from an incorrect principal.. This recent statement shows that I owe two payments..
Product: Debt collection

On XX/XX/19 I received a phone call from an unknown number. When I answered the lady on the line said that she was trying to get ahold of me because they were going to garnish my paycheck and within a couple of hours they were going to serve me papers to sue me. I called the number she gave me XXXX. A man answered the phone and stated that it was a law firm of XXXX XXXX XXXX. He told me that I owed "$XXXX XXXX in credit card debt and that if I could not pay I was going to be served with papers. When I replied that I did not know what he was talking about he started yelling that I" didn't pay my debts, and I was going to get sued". I asked if he had proof of the debt owed and he laughed and started to yell again. I hung up and they called my employer within 10 minutes. I called them again to tell them that I did not want them to call my employer anymore. A woman answered. I asked for her name and she replied, "XXXX XXXX". She answered the phone as before, "XXXX XXXX XXXX" I asked for the address of the company and she would not provide it. She told me it would be on the papers they were going to serve later that day. I asked what state they were located and again she refused to answer. I told her not to contact my employer. That all of the contact needed to be with me. She told me that I did not get a say so. That when I didn't pay my bills this happened. That it was my fault and it wasn't going away. She threatened me with garnished wages in 8 days, unless I could pay the balance then. I again said no and she immediately interrupted and she begin to yell so I hung up. She called my employer  two more times within an hour. She gave my case information, told them that I was being sued, and told her "not to protect her employee". The receptionist that she was talking to told her after the first phone call not to call anymore.
Product: Debt or credit management

I typed in on XXXX a collection agency that has one of my debts and I called the first number that popped up as it said they were the collection agency, that company did not identify themselves as a credit repair company named Credit sage, took down a credit card and my personal information before telling me that they were not the collection agency
Product: Credit reporting or other personal consumer reports

all three companies refused to dispute all my accounts that wasn't me and they made it like i applied for the items i disputed and none of them do they job due to the disputes come back in minutes or few hours. they refused to do they job.
Product: Consumer Loan

So Autovest agreed to payment arragements of {$250.00} a month. ( See Case number : XXXX ) I can not afford that. I called several times to see if we could come up with a better arrangement I could afford. No calls back at all. Now they are garnishing my paycheck again. Almost {$700.00} a month. 1 ) I no longer own this car 2 ) I am a single monther 3 ) Thinking that when they sued me ( again I was not aware ) the statute of limitations was up. Now I 'd love to take them to court but I ca n't afford a lawyer for this. I know what they are doing is illeagal and immoral. However since I ca n't counter sue them I need a payment arragement of {$150.00} a month. When they agreed to payment arrangements to start XX/XX/XXXX I was still being garnished and payed almost {$600.00} that month. I tried to get clairification which again I received no response. I need resolution ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, i sent equifax and XXXX  a document for reporting inaccurate and incomplete information on my credit report.also in XXXX and XXXX Designed receiveable violated the law by increasing the tradelines that they are reporting, its a 15 USC 1692 F ( 1 ) violation and i am turning this matter over to my attorney to pursue this matter. i have attached copy of the items that has been violated below.
Product: Credit card

On XX/XX/2023 I received notice that a purchase of {$810.00} was made on my account for a purchase of tickets to an event. I did NOT authorize this transaction, nor did I have possession of my card. I realized my card had been stolen and immediately called Chase Fraud Protection to report the unauthorized transaction, as well as issue myself a new credit card. They immediately credited my transaction and sent my card back. All seemed fine, until a month later on XX/XX/XXXX, they reinstated the charge for {$810.00}. They claimed that I had " received benefit from this purchase '' which is completely false and untrue. I have no idea what was purchased or where these tickets are. I have called Chase Fraud Protection multiple times and I am always outsourced to a call center in XXXX. They typically have no idea what is going on with my account and read notes that I benefited because my email and address were used to purchase the tickets. The problem is, the email they claim I used, I have not had access to in over a year. It is possible that my email account is compromised and my credit card information was left somewhere in my email account and that whoever had access, was able to make a purchase. Regardless, I did not authorize this transaction and due to Chase 's " Zero Liability '' policy on my credit card, I should not be charged for this transaction. I am leaning on the CFPB to right this transaction before I am forced to take Chase Bank to small claims court. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for taking the time to address the misleading information on my credit file. While I appreciate your efforts, I am not entirely satisfied that the guidelines of the Fair Credit Reporting Act have been fully met during your examination. I believe that further action is necessary to ensure the highest level of accuracy on my credit file. Therefore, I kindly request that you conduct another investigation into the account listed below : XXXX XXXX XXXX Balance Owed : {$0.00} - I am reaching out to request confirmation of the payment history and status of this account. Based on my own payment records, I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. However, the records you have presented do not match up with my own. I respectfully request a comprehensive investigation into this account and ask that any necessary updates be made to ensure legal and lawful accuracy. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

This company is a liar. My account status is not 120 days past due. This account is paid in full. I will sue you you better fix what you messed up. Trans Union I am sending you receipts XXXX Im sending you receipts and XXXX. Im sending you receipts. You need to fix this or you will be fine for {$1000.00} per and fines. XXXX accordance  with the fair credit act XXXX XXXX card. has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI
Product: Debt collection

On XX/XX/year>, XXXX XXXX contacted relative to discuss debt and threatened to sue. XXXX XXXX has been requested to not contact relatives in multiple occasions.
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX  XXXX : # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.