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

I'm submitting this complaint against all XXXX major credit reporting agencies. 

I've submitted a letter to the credit bureaus, XXXX, XXXX, and Transunion, on XXXX XXXX. This letter asked for detailed information regarding how the account information on my credit report was investigated and validated. Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act states that the credit reporting agencies are required BY FEDERAL LAW, to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. 

I have demanded to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that they have on file for the accounts list below that appear on my credit report. These inaccuracies have hurt my ability to obtain credit. 

Under the FCRA, any unverifiable accounts must be removed from my credit report and if they are unable to provide me a copy of verifiable proof for these accounts listed below, they must be removed from my credit report. 

I demand that these accounts be removed from my credit report immediately seeing as that this investigation has gone on longer than 30 days and there has not been any verifiable proof ( i.e. an original customer signed contract with my signature on it ) presented within the 30 day investigation window. 

The accounts in question are listed below : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022
Product: Debt collection

Today I learned your organization has reported a balance of {$210.00} for an account I am unfamiliar with to the credit bureaus. I am not certain where this debt came from and would like to find out more about it. 
I have requested additional information from your representatives via phone but have not received any original documentation showing dates of service or information regarding the patient. 

Please provide proof of debt by means of original billing statements and any contracts relevant to the account which show I assumed financial responsibility for this account. In the past my credit report has been merged with that of another and I have also been the victim of identity theft, so it is imperative I know the origin of all debts. Please provide proof of debt within 15 days of receipt of this request. If you can not furnish proof of debt, please request the deletion of this item from my credit report immediately. 

Additionally, you have reported this account opening in XX/XX/2019. While I am not familiar with the account or balance you are seeking to collect. I am certain I did not acquire any kind of account with such a balance in the month in which you are reporting the opening of this account. It appears as though you have re-aged an account to make it appear newer than it actually is to cause maximum damage to my credit report.
Product: Mortgage

We have paid 15 years on this mortgage without a problem. This loan was originally with National City Mortgage which PNC bought and is now servicing the mortgage. We have had no problems in paying the payments online until the XX/XX/2016 payment was due and we found out that we can not pay it unless we set up an account with PNC Bank. It is stated in there website that all person wishing to keep paying online must set up an account in order to make payments. We are against this action as we would not be able to track our funds applied to our mortgage.
Product: Checking or savings account

My husband and I have had the same checking account with TD bank since XXXX. Recently his debit card was used for purchases that he did not authorize. It began in XXXX of XXXX, when he received a phone call asking about 5 specific charges to XXXX. They sounded to him like they were charges for things we get from XXXX, like XXXX storage. He okayed the purchases. Unfortunately my husband is XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We get paperless statements from TD, and I neglected to look at my account online until I got a notice that we were overdrawn. I knew there were plenty of funds in the account as we are just completing a renovation to make access easier for him, and I owe the contractor a final payment. When I looked at my bank statement I saw that there were pages and pages of unauthorized charges to XXXX. The total was over {$95000.00}. I immediately canceled his ATM card, and looked at his phone to see that the bank had sent three additional texts questioning three separate charges, but no more calls. When I began the process of disputing the charges. On one date there were 84 charges for {$50.00}. My monthly statement was 94 pages. I filed 17 disputes with TD, but all were denied. Apparently there were too many disputes because you can only have a certain number in any 120 day period. The bank can not give me a person to contact to file an appeal. The branch XXXX can not help me. I did receive a call from a man in the fraud division who said that he believed all my charges should be reversed, but to date they have only reversed {$360.00}. Every person from TD who has looked at this has said that they can not imagine how this could happen. Me either. My local police department has taken a complaint from me, and are trying to help, but there's little they can do.
Product: Mortgage

XX/XX/XXXX CONSUMER FINANCIAL PROTECTION BUREAU DEAR SIRS ON OR AROUND XX/XX/XXXX I ENTERED INTO AN AGREEMENT WITH XXXX XXXX, A BROKER AGENT OF PERL MORTGAGE INC TO PURCHASE A HOME AT XXXX XXXX XXXX IN XXXX XXXX, CALIFORNIA XXXX. THIS WAS AN HECM TYPE LOAN, OTHERWISE KNOWN AS A REVERSE MORTGAGE. MR. XXXX SET UP THE LOAN THROUGH XXXX XXXX XXXX. I EXPLAINED TO HIM MY FINANCIAL SITUATION GOING FORWARD AS I AM XXXX  AND WANTED TO MAKE SURE I HAD ACCESS TO FUNDS TO PAY EVERYDAY EXSPENSES. MR. XXXX ASSURED ME THAT XXXX XXXX XXXX WOULD CONTAIN THESE THREE PROVISIONS, TO PAY TAXES, INSURANCE, AND ALLOW ME TO RECEIVE FUNDS. HE ADVISED ME THAT I SHOULD GO WITH A FIX RATE WHICH AFTER 6 MONTHS WOULD GIVE ME FUNDS ON DEMAND AND THAT HE WAS WORKING WITH XXXX XXXX AND THEY WOULD CORRECT THIS ISSUE AND HE WOULD GET BACK TO ME. IN MY LAST CONVERSATION IN EARLY XX/XX/XXXX MR. XXXX CONFIRMED TO ME THAT XXXX XXXX WOULD PAY THE TAXES AND INSURANCE AND AFTER SIX MONTHS I WOULD HAVE MONEY DEPOSITED INTO MY ACCOUNT WITHIN ONE WEEK NOTICE FROM THE BANK. 
IN LATE XXXX I RECEIVED NOTICE THAT TAXES WERE UNPAID. VERY CONCERNED I CONTACTED PERL MORTGAGE CONCERNING THIS PROBLEM REGARDING THE TAXES AND TO WITHDRAW FUNDS IN TO MY ACCOUNT. MR. XXXX SAID HE WAS WORKING WITH XXXX XXXX XXXX  TO REWRITE THE LOAN TO WHAT HE PROMISED. 
MR. XXXX AS OF THIS COMMMUNICATION HAS YET TO RETURN OR TAKE MY CALLS. I CALLED MR. XXXX MANY TIMES TO ASK HIM IF I SHOULD PAY TAXES DUE XX/XX/XXXX, BUT HE HAS NEVER RETURNED MY CALL. 
I HAVE TRIED TO COMMUNICATE WITH XXXX XXXX  FOR INFO REGARDING MY LOAN, BUT THEIR REPLY WAS THAT THEY HAD NO ACCESS TO MY RECORDS FROM PERL MORTGAGE AND COULD NOT DISCUSS THE LOAN WITH ME. I HOPE THAT YOU CAN HELP ME WITH THIS SITUATION. 

YOURS TRULY
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC XXXX - EXPERIAN, XXXX, AND XXXX 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 168XXXX. 




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

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX XXXX several times to send me my consumer report. I have mailed out requests and requested it via email and fax. They have not responded. I am requesting my consumer report from them as per the FCRA. I have attached my mailing address which is XXXX XXXX XXXX XXXX PA XXXX. I have attached documentaion verifying my ID and my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get the 3 major credit bureaus to investigate these accounts that don't belong to me, I have not yet received verification from anybody at TransUnion, XXXX or XXXX  since last year. the following accounts below are not my accounts 1. XXXX XXXX acct # XXXX 2XXXX XXXX accts # XXXX XXXX 3. XXXX XXXX XXXX acct # XXXX I requested that the only name that needs to be reported on my Transunion, XXXX, and XXXX credit file should only be AS FOLLOWS, and they never removed fraudulent names from my report as requested, my name as followed should be only name. 
1. XXXX XXXX XXXX I requested that these address be removed because they're fraudulent addresses as follows and never received validation from Transunion, XXXX  and XXXX 1. XXXX XXXX XXXX XXXX XXXX, NC XXXX 2.XXXX XXXX CT. XXXX XXXX SC XXXX 3.XXXX XXXX XXXX. XXXX XXXX, NC XXXX 4. XXXX XXXX XXXX. XXXX XXXX, NC XXXX
Product: Credit reporting or other personal consumer reports

Dear TransUnion Fraud Dispute Team, I am writing to formally dispute the inclusion of the following accounts and inquiries on my credit report. As a victim of identity theft, these accounts and inquiries are fraudulent and do not belong to me. Pursuant to 15 U.S.C. 1681i ( 7 ) and the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation and removal of these accounts from my credit report. I have included my police report as evidence of identity theft. 

Fraudulent Accounts : XXXX XXXX  Account # : XXXX Balance : {$490.00} Date Opened : XX/XX/XXXX Under Section 623 of the FCRA , this collection account lacks valid documentation and a conspicuous address. Please remove it immediately. 

XXXX XXXX Account # : XXXX Credit Limit : {$500.00} Date Opened : XX/XX/XXXX Payments for XX/XX/XXXX to XX/XX/XXXX were made on time. Under 15 U.S.C. 1666B, this account reflects a billing error. Please update the status to Paid as Agreed/Never Late. 

XXXX Account # : XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX No documentation has been provided. This is a fraudulent account. Please investigate and remove it. 

Fraudulent Inquiries : XXXX XXXX  Inquiry Date : XX/XX/XXXX ( TransUnion ) XXXX Inquiry Date : XX/XX/XXXX ( TransUnion ) XXXX DC Inquiry Date XXXX XX/XX/XXXX ( TransUnion ) Under the FCRA, you are required to investigate these disputes and respond with the results of your investigation within 30 days. If the items can not be verified, they must be removed from my credit report. 
Thank you for your immediate attention to this matter. Please confirm receipt of this dispute and provide written updates throughout the investigation process. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 SECTION 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

XXXX XXXX was an account on my credit report that I deleted over 8 months ago, due to fraud and has not reflected on my experian credit report.
Product: Credit card or prepaid card

I had some late fees and interest on the card and I called XXXX XXXX, the issuer of the XXXX XXXX  XXXX store card. They have agreed to remove the late fee and told me I was only obligated to pay the interest of {$12.00} which I did right away. The call took place on XX/XX/XXXX and the credit card billing cycle ended on XX/XX/XXXX. Instead of removing the late fees right on that date, XXXX waited till XX/XX/XXXX to remove the fees which resulted in accruing another late fee of {$26.00}!
Product: Credit card or prepaid card

On XXXX XXXX XXXX received {$160.00} and transfered these funds immediately to chase Account number XXXX Routing number XXXX a closed account. Way2go has the {$160.00} cleared not returned. I've reached out to XXXX. XXXX has denied receiving these funds and stated they would send back or push back the funds to VA XXXX aka way2go. Till date the {$160.00} has not returned back to way2go account and chase continues to deny receipt even after reaching their claims department. Missing {$160.00}
Product: Debt collection

over due parking ticket for the city of  XXXX   XXXX  was paid in full to the city of  XXXX   XXXX  in  XXXX   2017  ( check mailed  XXXX   XXXX , cashed by city  XXXX   XXXX   ).      Despite this ticket being fully paid 3 months earlier, "   XXXX   XXXX   XXXX   XXXX   XXXX  '' intercepted funds from my CA state tax refund - notice issues  XXXX   XXXX   2017 .     This should not have happened.   Upon contacting   XXXX   XXXX   XXXX   XXXX   XXXX , I was informed that they will evaluate a refund upon receipt of proof of payment and debt notice, and that this will take bet ween 90-120 days / another 3-4 month s.
Product: Credit reporting

I monitor my credit report through XXXX XXXX and I receive an alert if there is a change indicated on my credit report. On XXXX/XXXX/XXXX a company named XXXX XXXX XXXX. XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX placd a collection onto my report XXXX XXXX XXXX in which has been sold to several different companies and also previously removed from my report on the following dates, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax credit bureau has continued to violate my consumer rights by reporting inaccurate information to my credit file about and account that has been removed from XXXX XXXX and XXXX but Equifax say that they verified this account which seem to inaccurate and I have proof to show my case. According to FCRA section 605B it is illegal to report any information on my credit file without my permission or consent. Also this collection agengy does not have the right to collect a debt to anyone because they are not licesned in the state that im in which is another violations.
Product: Debt collection

A company going by name Debt Recovery Solutions , LLC has constantly harassed me about supposed medical debt in collections. These are fraudulent charges. I have disputed these charges as fraudulent on multiple occasions with all 3 credit borrows. Company keeps opening collection accounts in my name for different amounts ( 3 amounts/being charged- ( {$58.00}, {$910.00}, {$1100.00} All supposedly related to XXXX XXXX XXXX ). I have never heard of this company and never visited them. The exact same amount has also been attempted to be collected under a different company names- XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX.
Product: Credit card or prepaid card

My mother and I have both permanently opted-out of credit card offers. I have submitted the paperwork twice 5 years ago and again last year. We still get relentless offers by mail from Capital One. They will not stop
Product: Debt collection

I received a call from E.R.C. on my cell phone. They were trying to collect a debt from XXXX XXXX from XX/XX/XXXX. This account was paid in full. They had my name and mailing address, and even told me a balance due. I told them I would call back. 

Upon returning their call, they asked for my social, which I refused to give out over the phone. They then told me that they could not discuss my account without my social security number. I told them to stop calling me if they could not discuss my account without information that could be verified without personally identifiable information. I have never received a letter, reference number, or any further correspondence until today ( XX/XX/XXXX ). 

I have researched the company online, and there are numerous complaints regarding their questionable practices. 

The number from which they contacted me : XXXX ( XXXX XXXX XXXX, USA
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to EXPERIAN. I already informed them of the reasons why I was late in my payment and sent them the proof but they are ignoring it and I also sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A.

States that 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 an account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XX/XX/XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XX/XX/XXXX breach as well.
Product: Credit card or prepaid card

I have been using the prepaid visa debit card Cash app for about 2-3 years. You can not spend one cent over your limit. If you are over when paying it is rejected immediately. I used my card for my stimulus  payment due to the pandemic. I bought what I needed. As of XX/XX/2020, I had a balance of {$180.00}. When I woke this morning at my cash app sent a message saying I was - {$140.00}. They have no customer service phone with live agents to immediately report the problem only email support, which they send only generic responses. I believe the cash app is stealing the stimulus funds, should be looked into under the RICO Act and shut down for extortion. I also believe this is XXXX. What reputable company has no live customer service? I never had an issue with this card until I received the stimulus payment. I regret having used this card. I need help. I do not owe the cash app {$140.00}.
Product: Student loan

Im having problems with 2 separate loan companies.. one with Navient and another with XXXX. Both are threatening to take income tax garneshings, after Ive attempted to settle with both. With XXXX, they are saying Im delinquent on 5 small loans totaling around $ 1k, and they report to my credit 5 times, after Ive asked to combine them into one loan.. each wanting to take a large sum of money monthly. With Navient I owe around 16k and they want around 700 per month, and they just kept putting me in forbearance instead of lowering costs. When I tried to just pay what I could they still reported me delinquent. I have XXXX kids, one with XXXX and Im a single mother, with other household expenses and daycare costs. I dont know what else to do, since my credit score is now shot because of it.. I got it up enough during my 3 month forbearance to get a loan for a car, but now its below 500 again because of the loans.
Product: Credit reporting or other personal consumer reports

XXXX a victim of fraud I have filed with the FTC
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding an unauthorized and invalid hard inquiry that continues to appear on my credit report despite my repeated requests for its immediate removal. This inquiry was made without my explicit consent, and your continued inaction is both disappointing and unacceptable.