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

In accordance with Fair Credit Reporting act XXXX, all this accounts below has violated my rights. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance {$1600.00} XXXX  XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX To : TransUnion Fraud Division XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion Fraud Division, I am writing to formally request the deletion and blockage of certain information from my credit report and to dispute the accuracy of my credit score. I believe that there are inaccuracies on my report that are negatively affecting my creditworthiness. 

Specifically, I request the removal of the following accounts and inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Additionally, I request the removal of all inquiries related to the mentioned accounts. I believe that the presence of this information is inaccurate and has led to an unjustifiably low credit score. My current score is reported as XXXX, whereas I believe it should be closer to XXXX based on my financial history. 

I am concerned that TransUnion may be discriminating against me based on my social security number, which begins with a 4. It has come to my attention that individuals of minority status, particularly those of the XXXX XXXX, have experienced similar issues with TransUnion. This leads me to believe that there may be discriminatory practices at play. 

I want to emphasize that TransUnion is the only credit bureau that is allowing fraudulent information to persist on my credit report. I find this situation unacceptable and damaging to my financial standing. 

If these inaccuracies are not promptly addressed and corrected, I will be forced to file a formal complaint, including allegations of discrimination, against TransUnion. I trust that you will conduct a thorough investigation into this matter and take appropriate action to rectify the inaccuracies on my credit report. 

Please provide me with written confirmation of the actions taken to address my concerns within 30 days of receiving this letter, as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

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

I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order
Product: Credit card or prepaid card

In XX/XX/2020, I spoke to Pentagon Federal Credit Union customer service regarding my financial, health, and employment situation. As per card conditions, I had credit card debt protection insurance which I had been paying for, for over XXXX years. Before the closure and subsequent charge-off of the credit card account, I had requested to activate the same. However, to my surprise, the account was charged off and closed with an outstanding balance that did not reflect my insurance benefits claim payment. I made several attempts to contact the bank following my medical recovery. And neither received nor failed to respond to any PenFed Credit Union Bank communication regarding my account. Instead, the account was sold off to a third party suing me for the outstanding balance that was in contention in the first place. 

Additionally, I had my wife ( next of kin ) contact PenFed credit union bank as I was unwell and admitted with life-threatening COVID in XX/XX/2020. The purpose of the calls was to request that the account benefits be activated while in the hospital. However, customer service insisted on speaking to the account owner. 

Moreover, whereas other creditors considered the XXXX pandemic and could waive account administration charges, interest charges, and fees attributable to the pandemic in good faith, PenFed ensured to pile all those charges and fees, therefore inflating the account balance. For after that, it was charged off and closed. No remedy was provided ; instead, I received court documents suing me for the outstanding debt. PenFed credit union always assured me the issue would be resolved, but to my surprise, the account was charged off. More confusing is my credit report, which shows that the outstanding balance was settled and therefore did not need further action on my side.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX Arizona university XXXX. XXXX and passed but Covid took the teachers out at the end they never came back so I didnt get my degree, however I attended XXXX XXXX XXXX college in XXXX they are charging me for a grant on my credit report there are two charges from XXXX XXXX XXXX I spoke with the financial aid building and wrote them from XXXX  im XXXX and put said loan in forbearance and deferment but XXXX or XXXX or XXXX are say I owe a different ammount then what I owe I didnt think Pell grants had to be paid back. Ive been try to get a car because the dealer ships all started calling me but then then deny me. While trying to fix my credit I paid XXXX  and they didnt help me. So I contacted XXXX law and paid them nothing has happened and I only just found out that during the years I was in prison I was victim of identity theaft my taxes were ran for some of the jobs that I was on and I never got the money and I did not file those returns. Also mortgage loans were taken out in my name but they wont show them to me go over them with me or if it try to refute them them happens my own bank Wells Fargo wont help me add my electric bill or fines Ive paid for years to my account to raise my credit score
Product: Debt collection

I received two letters from USCB America attempting to collect a medical debt around XX/XX/2020. One bill was about {$800.00} and the second was a little over {$200.00}. Due to the pandemic, losing my job, and general life events I wasn't able to make contact with them until XX/XX/2020. I called XXXX ( who apparently reported these charges ) and they told me they didn't have access to review anything because it was now " in collections hands. I sent the company a debt validation letter for each of the bills they sent me in order to verify these charges before I made arrangements to pay it off. I never received a response from this company and it has been 45+ days since my note was delivered. I sent both letters via certified mail to document the contact I made. 

These bills going to collections have really impacted my score and I'm not really sure how to move forward. My goal was to verify the legitimacy of this letter and see what I need to do because my primary concern is maintaining a good credit score.
Product: Debt collection

I wrote to Law office of Marvin Dang, 2 times to ask for original bill that they claiming I owe, this is after they send to my work papers of garnishment?? Left several messages at XXXX XXXX for the same ( original bills ) no return calls or letter. Marvin Dang has stated in a letter that XXXX XXXX  is their client, however, XXXX XXXX is not involved and does not own the acct. since it been sold to Dang?? 

Also Dang office is charging me over {$1000.00} in fees, for garnishment that was not approved by the courts. If XXXX XXXX is his clients, let them pay his fees ...
Product: Credit card or prepaid card

I am filing this complaint for two charges made by XXXX  XXXX on my VISA card with Bank of America. The first charge was in the amount of {$11000.00} and the second for {$900.00}. Both of these charges were made in XXXX of XXXX, yet no products or services were received in exchange. This is due to the fact that the XXXX  organization was shut down by the FTC in XXXX of XXXX. 

I had several XXXX charges on multiple credit cards with various banks, and ALL of them with the exception of Bank of America have refunded my money on the basis of these being fraudulent charges which were made by an illegal enterprise. 

After much back and forth dialogue which was necessitated by BofA 's complete lack of clarity on the information they required, I realized that they wanted exactly the same info as the numerous other banks from which I successfully obtained refunds on disputed charges of exactly the same nature with XXXX. I made countless attempts to supply all the information which they requested to help resolve the dispute in a timely manner. Their requests for further information were confusingly vague, yet still I supplied all the information I had available. 

Without offering me a chance for rebuttal, they repeatedly denied my claim and supplied me with inaccurate information regarding the state of my dispute. I was told by BofA that they had sent me follow-up letters for further details, yet throughout the entire ordeal I never received anything from them but denial letters. It was only in these denial letters that they explained what further information was needed. With every denial I subsequently had BofA reopen the case and I then submitted all requested information. In each case I continued with many follow up calls to make sure BofA had everything they needed. On multiple occasions when I requested clarification regarding what info they needed, I was told that they had " forgotten '' to send me critical information which would have been crucial to support my case. 

Unbeknownst to me, time limit for a resolution on this dispute passed in XXXX, yet I was never informed by BofA of any kind of timeline until XXXX of XXXX during one of my many follow-up phone calls.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a small line of credit for repairs on my home. This was taken out in XXXX. I have used the line of credit once in the past year. I could not understand why when I was paying XXXX a month the bill was never coming down, then I got to checking and they have a roll over fee?? of {$150.00} a month so I got a secured loan on my car, called Credit Fresh got the pay off of {$1400.00} so I sent them a check to that amount by certifed male they signed for it on XXXX XXXX XXXX but the loan was not paid for 3 weeks, now they are saying I owe them {$260.00} and I have paid them in full for the amount they stated to the manager of the loan company that I went to because at the rates they were charging I would never have gotten out of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report 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 blocking 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 XXXX, GA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX , GA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4800.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX  XXXX XX/XX/2022 ; XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I seen my credit was down over 100 points to see random places running my credit for loans I never requested.
Product: Debt collection

i paid {$220.00} in credit cards. and {$50.00} more by check. i sent them a question regard who owed what and how much. i also received a bill from another company for less than what was owed. since i sent the question to them i have not heard from them. 
i think they were caught in the act. they said my account owed {$0.00} and my husband account was " inactive ''. 
is there a way i can have what i have paid back?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022, I was a finalist for a CEO position, and I signed a disclosure and authorization for XXXX XXXX to do a consumer report. THE REPORT WAS RUN THROUGH EQUIFAX XXXX XXXX XXXX. I am formally complaining that this credit report is being reported by Equifax as a Hard Inquiry which has credit score implications. On no other reporting agency is this investigation being reported as a hard inquiry, as I was not seeking credit. I filed a complaint with CPFB to have XXXX XXXX fix this error on complaint number XXXX. The inquiry was not removed because XXXX XXXX knows they ran the report, and it is reported on my credit report as EQUIFAX XXXX XXXX XXXX, XXXX, CA XXXX. Yesterday, I spoke with Equifax, and they understand my issue but will not remove the inquiry unless I file another complaint with CPFB against EQUIFAX XXXX as reported on the credit report. I previously filed a dispute with Equifax, and it was denied. I am requesting that this inquiry from EQUIFAX XXXX be removed from Hard Inquiry which would remain on my report for another XXXX  months and continue to harm my credit score as if I were attempting to over-purchase. I have ended my paid membership with Equifax for not being customer friendly, knowing full well what happened and its negative impact on me and my family.
Product: Credit card or prepaid card

I purchased a WiFiBooster On the internet using my MasterCard XXXX Transaction date XX/XX/2020 XXXX merchant purchase Terminal XXXX XXXX XXXX XXXX USD {$58.00} Never received WiFiBooster Nor has BNY Mellon / MasterCard Helped Incidentally the company from whom I purchased the WiFiBooster has many fraudulent complaints on the Web
Product: Money transfer, virtual currency, or money service

XXXX transactions one for {$2000.00} and one for {$1000.00} to the same person different dates From my chase checking account which is now closed
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I was at XXXX XXXX inquiry on vehicle as questions I was told they would do soft inquiry to see about pre approval amount that I may Qualify for. I was amazed on XXXX XXXX these Inquires on my credit report that I have no knowledge of. Here is list of Inquires XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX slap in face if I would of known they were going to run Hard Inquires with out my permission I would of done this my self at Banks I prefer to go through.
Product: Credit reporting, credit repair services, or other personal consumer reports

Now that my loan was transferred, Aidvantage has not updated the credit reporting agencies with this information. The balance and date closed fields would need to be updated.
Product: Mortgage

I was supposed to be included in XXXX settlements with my lender XXXX XXXX XXXX and XXXX the servicing company ( Bayview Loan Servicing llc ) will not included me in any of them. I have ask for a copy of the print out from the portal showing me any printout saying I do not qualify they just keep sending me letters saying they do n't have to see attached letter. I worked at XXXX XXXX XXXX and I know better my loan was supposed to be included all they way back to the first suit in XXXX so I need help getting all printout from them They are afraid I am going to sue them for fraud. Also I had a mod in XXXX and paid on it for eleven months and then XXXX decided they did not want to do it anymore and stopped taking my payments. 
Please see attached letters from Bayview Loan Servicing
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to get my credit report accurate and remove legally items, that have been removed and placed back on my credit. If tis doesnt work I will hire someone to do so immediately
Product: Debt collection

On XXXX/XXXX/15, we received a phone call from a company claiming to be representing XXXX XXXX regarding a past due bill for a doctor 's appointment that took place in XXXX 2015. Knowing that this was most likely a scam, we asked the person calling for a return phone number, at which time she hung up. From our caller ID log, we obtained the phone number and called them back. A live person did answer the phone with the name of a supposed collection agency - however, when pressed for more information, the person hung up. We called XXXX XXXX directly and were told by a customer service representative in their billing department that there were no outstanding invoices. The XXXX XXXX representative was also able to provide us with the name and address of the collection agency that called us when we gave him their phone number. He also confirmed that XXXX XXXX does NOT do any business with the company who called us. Here is the information on the deceptive agency : Holloway Credit Solutions, XXXX XXXX XXXX, XXXX, AL XXXX - ph ( XXXX ) XXXXThank you.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I wrote to ADP on XX/XX/XXXX asking for access to obtain my W2 's and pay statements. They have not responded.
Product: Debt collection

My wife and I are repeatedly receiving calls from a debt collection firm in regards to a cell phone debt that we do not owe. They refuse to provide any details about the debt and request us to call back at another number that never gets answered. This company refuses to send us any details via the mail to verify any debt. We have contacted our cellular provider and they have no knowledge of this debt or the company that is calling. 
The phone number we are receiving the calls from is XXXX and from what we can find via the internet is called XXXX. We have received 6 calls from this company in the past 8 days and an untold number over the past 6 months.
Product: Mortgage

Ocwen On my credit report it shows XXXX 30 days late, XXXX XXXX and XXXX XXXX. The funds was sent on XXXX XXXX, XXXX from XXXX, and Ocwen claims they did not received it until XXXX XXXX, XXXX. They also stated that the payment was in the month of XXXX XXXX, XXXX, and I was considered late. From my understating of the law I had 30 days to make this payment, and it does not matter if it was in the same month. It was due on XXXX XXXX, XXXX, and add 30 days on top of that would make it XXXX XXXX, XXXX. For the month of XXXX XXXX. XXXX XXXX from Ombudsman stated in a letter in paragraph XXXX if I could show proof that the funds were processed by my bank and received by Ocwen on XXXX XXXX, XXXX he will change the 30 days late. I as well as other people sent him copies of proof of payment that showed it was process and accepted on XXXX XXXX, XXXX at XXXX. He is not a man of his word. I would like these two months to be changed to OK on my credit report. If there is another investigation I want someone else other than XXXX XXXX to look at my case. I believe that this man not to be trust worthy, and I have a right for another person who has not looked at my case to investigate if it comes down to it.
Product: Debt collection

on XX/XX/2021 send them a certified debt violation letter no response false information on debt