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

I am writing to formally lodge a complaint against XXXX, one of the major credit reporting agencies, for allowing an unauthorized and unverified debt collection entry on my credit report by Portfolio Recovery. 

I recently discovered that Portfolio Recovery has reported a collection account on my credit report managed by XXXX. This action has been taken without my prior knowledge, consent, or any form of communication from Portfolio Recovery 's end. I have never been contacted by Portfolio Recovery regarding any debt, nor have I ever engaged in any form of transaction or agreement that would warrant such a collection notice. 

Furthermore, I firmly believe that this collection entry is erroneous as I do not owe any debt to Portfolio Recovery. The lack of initial communication and verification from Portfolio Recovery 's side before reporting to XXXX is concerning and, I believe, a violation of my consumer rights. 

This unverified and unauthorized entry on my credit report has caused me undue stress and may potentially harm my creditworthiness and financial reputation. Therefore, I request the following actions : A thorough investigation into this matter by XXXX and the immediate removal of the collection entry from my credit report if it is found to be unsubstantiated. 
Assurance that such incidents will not recur, and my consumer rights will be duly respected and protected. 
A written confirmation from XXXX and Portfolio Recovery regarding the resolution of this complaint. 
I trust that the Consumer Financial Protection Bureau will take this complaint seriously and ensure a prompt and fair resolution. I am prepared to provide any additional information or documentation as required. If this is a violation I want to sue! 

Thank you for your attention to this matter. 

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

car dealership only post to run my credit once. 

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 or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries I have noticed unauthorized inquiries on my credit report that I did not consent to. Upon reaching out to the creditors responsible, they confirmed that they have no record of my initiating these inquiries or providing any verbal or written authorization. Since these inquiries are not valid, I kindly request your immediate removal from my credit report. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX filed on FTC Complaint Date XX/XX/XXXX. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements.

Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

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

Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

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


Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes. 

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

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

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 XXXX XXXX XXXX. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX A- States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX. ( a ) ( XXXX ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Unfortunately, I lost my home to wildfire on XX/XX/XXXX. A couple weeks later I received an insurance check for my dwelling coverage which I signed and forwarded to my lender Dovenmuehle at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX with instructions to pay off my mortgage and refund the amount above my outstanding loan balance which was approximately {$33000.00}. On XX/XX/XXXX my escrow account showed the check was applied towards my outstanding loan balance resulting in a XXXX loan balance and a $ XXXX escrow balance. I was told the escrow balance would then be promptly refunded to me. However, in spite of paying off my loan in full Dovenmuehle subtracted an XXXX mortgage payment of $ XXXX. About 5-6 weeks ago Dovenhuehle said they mailed the $ XXXX check but it never arrived. However, I did receive a refund of the XXXX mortgage payment. I called back in early XXXX asking the status of the $ XXXX check and they were concerned it never arrived as they stated it was sent more than a couple of weeks earlier. They advised I wait until XX/XX/XXXX and if it didn't arrive by then to call back to have them cancel and reissue the large check. I called on XX/XX/XXXX and requested a cancelation and re-issuance of the check because it never arrived. Then on XX/XX/XXXX I received a check which was meant to be the amount above my pay off, the $ XXXX check, but it was another refund of one mortgage payment. To date, I've received two checks, one for the amount they mistakenly debited from my account and a second payment which was supposed to be for approximately {$33000.00} but instead they sent a payment for a mortgage payment around {$2200.00}. They have really messed up twice in two months and after calling today they said they messed up again and it may take up to a month to issue a new check. I'm upset that they have messed up twice and will not escalate this to have it resolved. After losing a house from wildfire the last thing you expect is a mortgage company to incompetently hold onto your funds while you're left in the lurch.
Product: Credit reporting or other personal consumer reports

There are Fraudulent Inquiries on my credit report please remove it
Product: Credit reporting or other personal consumer reports

US bank is an unauthorized inquiry in my credit report, this was opend on XXXX XX/XX/2024 and i dont recognize as mine.. 
I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request to Cease Harassment and Remove Unauthorized Transactions from Credit Report Dear [ Equifax, XXXX, XXXX I hope this message finds you well. My name is XXXX XXXX, and I am writing to address a pressing matter regarding unauthorized transactions that have been added to my credit report without prior notification or authorization. 
Also reading the itle 18 of the United States Code ( USC ), Section 241, is a federal statute that addresses conspiracies to deprive individuals of their constitutional rights under the color of law. In simpler terms, it makes it a federal offense for two or more persons to conspire to injure, oppress, threaten, or intimidate any person in the free exercise or enjoyment of any right or privilege secured to them by the Constitution or laws of the United States. 

Here 's a breakdown of the key points of USC Title 18, Section 241 : Upon reviewing my recent credit report, I was alarmed to discover that transactions from [ Specify the Transactions ] have been included without my consent or acknowledgment. This unauthorized activity not only violates consumer protection laws but also has a detrimental impact on my creditworthiness and financial stability. 

Under consumer law, it is imperative to adhere to regulations that safeguard individuals from unwarranted harassment and unjust collection attempts. The inclusion of these unauthorized transactions constitutes a violation of my rights as a consumer, as there was no permissible purpose or engagement established for such actions. 

Furthermore, I must emphasize the adverse effects this unauthorized reporting has had on my credit approval process. The presence of these inaccuracies, specifically the charged-off accounts from [ XXXX, XXXX XXXX XXXX XXXX XXXX undermines my ability to obtain fair credit terms and opportunities. 

In light of these circumstances, I kindly request the following actions : Immediate removal of the unauthorized transactions associated with my account from all credit reporting agencies. 
Cease all collection attempts and communication regarding the disputed transactions. 
Provide written confirmation of the removal of said transactions and cessation of collection efforts. 
I urge you to address this matter with the utmost urgency and diligence to rectify the erroneous reporting and alleviate the undue stress and inconvenience it has caused. 

Please acknowledge receipt of this letter and provide a timeline for resolution of this matter. Your cooperation and prompt attention to this issue are greatly appreciated. 


Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX [
Product: Debt collection

I was contacted by a company on XX/XX/ stating that I owe {$1600.00} to DNF Associates LLC. The first representative was very rude and threatened to contact my job and take me to court. I hung up and called back to speak with a different representative who apologized. They said they would send me a copy of the agreement and debt validation. On XX/XX/, I received a bill from XXXX XXXX, but what she sent isn't accurate. The email will also be attach that shows no explanation was given just the statement I still haven't received a copy of the purchase agreement. I would appreciate assistance in getting this issue resolved. Thank you.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

In 2021 I complained to Capital One about no Increase in my spending limit, I have had ownership of my Capital One Credit card for 5 years, and has me thinking since I am a individual of XXXX that they have not increased my credit limit this very reason, I told them last year that I would file a complaint and what I got in return from them is them sending me these offers for Large Car Loans that I do not wont or need.
Product: Debt collection

The amount is {$140.00} from XXXX XXXX and I disputed this debt because I have no recollection of ever owing this amount but finally I gave up and also lost the dispute and wanted to just pay the {$140.00} so it would no longer appear on my credit score but when I attempted to contact Nationwide it says the phone number has been disconnected so how am I supposed to resolve this issue its not that much money Im fine paying it and removing it from my credit report but now I am just stuck.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to ensure that the credit bureaus conduct a thorough investigation and promptly remove fraudulent accounts that were opened in my name without my consent. These accounts, confirmed as fraudulent under FTC Report XXXX XXXX, continue to be inaccurately reported on my credit file, despite my repeated requests for their deletion. 

I have formally notified the credit bureaus ( XXXX, Experian, and XXXX ) and provided the necessary documentation, but they have not fulfilled their obligation to remove these accounts as required by the Fair Credit Reporting Act ( FCRA ). Given the known issues with credit bureaus often disregarding disputes unless sent via certified mail, I am filing this CFPB complaint to ensure a fair and lawful resolution. 

Fraudulent Accounts : XXXX  XXXX XXXX, Account Number : XXXX, Balance Owed : {$290.00} XXXX XXXX, Account Number : XXXX, Balance Owed : {$23000.00} XXXX XXXX XXXX, Account Number : XXXX, Balance Owed : {$6400.00} XXXX  XXXX XXXX, Account Number : XXXX, Balance Owed : {$2900.00} I am requesting CFPBs intervention to ensure that the credit bureaus comply with FCRA guidelines and remove these fraudulent accounts from my credit report, safeguarding my creditworthiness and financial integrity.
Product: Payday loan, title loan, personal loan, or advance loan

Systems & Services Technologies is not reporting my account information to any of the 3 credit bureaus ( XXXX, XXXX XXXX XXXX ). I have requested multiple times for Systems & Services Technologies to report my account information to all 3 credit bureaus but they fail to report my account information so Im now submitting a complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

SLS, LLC has a mortgage on our home. They falsely reported late payment dates to the three credit bureaus : Equifax, XXXX, and XXXX. This is causing physical and emotional harm to US XXXX and XXXX XXXX XXXX I had to give up my job to become a permanent, full time caregiver for my husband who developed a chronic illness due to the XXXX pandemic. We can not afford the home we will live in now and need to sell our home and find one that is smaller, more affordable, and retrofitted for a person with a XXXX. We can not sell our own home until we have mortgage pre- approval to purchase another home. XXXX XXXX MUST CONTACT THE CREDIT REPORTING BUREAUS IMMEDIATELY AND CORRECT THE FALSE INFORMATION. Unless XXXX, XXXX makes the corrections to our credit reports we will not be able to get another mortgage loan and the physical and emotional hardhip will continue. We were in a loan modification program in XXXX through XXXX and a forbearance in XXXX which continues. XXXX, XXXX falsely reported late payments for the XX/XX/XXXX mortgage payment ( XX/XX/XXXX fell on a Sunday ). They had the payment in their possession but did not account for it until Monday XX/XX/XXXX they accounted for it as a late payment even though the bank certified check was check dated prior to XX/XX/XXXX. It was it not a late payment. XXXX XXXX continued to report late payments for XXXX, and XXXX to the three credit reporting agencies during our modification program and forbearance. I called Fannie Mae on XX/XX/XXXX regarding this false reporting. The agent told me that EVEN IF WE WERE IN A MODIFICATION PROGRAM THE PAYMENTS SHOULD NEVER HAVE BEEN REPORTED TO THE CREDIT BUREAUS AS " LATE ''. THE AGENT ALSO TOLD ME TO CONTACT SLS, XXXX IMMEDIATELY TO DEMAND CORRECTION OF THE CREDIT BUREAU REPORTS. I wrote to XXXX XXXX and demanded the corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 1. XXXX ACCT # XXXX, Has violated my rights 2. XXXX XXXX  XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.C.S 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 usc 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights. I looked at my XXXX credit report XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to15 usc 1681 ( e ) ( b ) 1 ) 15 usc 1681 section 602 ( a ) states I have the right to privacy. 
2 ) 15 usc 1681 section 604 ( a ) section 2 it also states a consumer reporting agency can not furnish a account without my written consent. 
3 ) 15 usc 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years. 
4 ) 15 usc 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
Product: Debt collection

Ive sent letters to National Credit Adjusters and XXXX XXXX XXXX ( XX/XX/XXXX, XXXX + XXXX of XXXX ) asking them for proof of original contracts with my signatures showing where I agreed that I was liable for the debt they are attempting to collect. To no avail, I spoke with representatives from both agencies XXXX XXXX at NCA and several reps with American names to avoid any personal legal action against them but it is clear these individuals are from XXXX, names like XXXX XXXX, XXXX XXXX, and XXXX XXXX at XXXX on XX/XX/XXXX regarding debts I was informed I owed and after sending out letters on the same day XX/XX/XXXX - same day of phone call, again I was met with a copy of a bill and balance from both agencies ( two different creditors one being XXXX XXXX XXXX XXXX XXXX  Credit Card - {$470.00} and the other XXXX - {$630.00} ) but no documents, paperwork, or contracts with my signatures or proof showing where I am legally responsible for the debt owed or proof that it is in fact my debt. Ive also sent letters to XXXX XXXX, and XXXX  asking them remove this incorrect, inaccurate information but they are still reporting this information. I filed a complaint with the FTC to report these accounts that dont belong to me XX/XX/XXXX and still this negative information is reporting and is preventing me from securing new lines of credit, employment and housing opportunities. I really am trying to avoid a legal suit but feel like this may be my only recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have reached out to Equifax Credit Bureau last XX/XX/2021, and I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act Law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXBalance {$1600.00} XXXXBalance {$410.00} XXXX XXXXBalance {$940.00} XXXXBalance {$0.00} XXXXBalance {$2000.00} XXXXBalance {$0.00} XXXXBalance {$1300.00} XXXXBalance {$0.00} XXXXBalance {$0.00} XXXXBalance {$510.00} XXXX {$640.00} XXXXBalance {$370.00} XXXXBalance {$840.00} XXXXBalance {$840.00} XXXXXXXX XXXX XXXXXXXXBalance {$640.00} XXXXBalance {$690.00} XXXXBalance {$470.00} XXXXBalance {$530.00} XXXX*-Balance {$360.00} XXXXBalance {$590.00} XXXXBalance {$460.00} XXXXBalance {$680.00} XXXXBalance {$960.00} XXXXBalance {$780.00} XXXXBalance {$1100.00} XXXX Amount : {$0.00}
Product: Credit reporting or other personal consumer reports

this account was not open by me XXXX XXXXBalance details 0 % paid off Balance {$410.00} Balance updated XX/XX/XXXX Original balance {$410.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$410.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Payment summary XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX PAYMENT HISTORY LEGEND Comments- Your statement - Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX Phone number ( XXXX ) XXXX