23daVinci/CFPB_Complaints huggingface dataset:
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 Portfolio Account # XXXX XXXX  XXXX, XXXXXXXX  Account # XXXX, XXXX XXXX Accout # XXXX, XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, DP OF EDUC Account XXXX XXXX, DP OF EDUC Account # XXXX, XXXX Account # XXXX*, US DEPT ED Account # XXXX, US DEPT ED Account # XXXX, US DEPT ED Account # XXXX*, US DEPT ED Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, DP OF EDUC Account # XXXX, DP OF EDUC Account # 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I see inaccurate information across the three credit reporting bureaus. As you can see Date of Last reported, date of Last Active, as well as payment status shows different information. I attached a  screenshot of the exact report I received. 

I hope you take this seriously. Thanks!
Product: Debt collection

Professional Account Management has sent a letter for an alleged debt that I do not owe for a toll invoice. They are trying to extort me for a debt I do not owe and have threatened a vehicle registration denial, an order banning use of an XXXX  XXXX XXXX, a fine of up to {$500.00}, and/or vehicle impoundment. It seems as though Professional Account Management seems to be a repeat violator of consumers like myself according to CFPB consumer complaints in trying to collect an assumed debt not owed. They do not validate information thoroughly with XXXX, as they would not have tried to collect a debt that I don't owe. They have threatened to provide false and misleading information that would damage my reputation, and cause harm to me. As a consumer, I expect for my rights to not be violated.
Product: Credit reporting or other personal consumer reports

THESE COMPANIES NEED TO REMOVE THIS OFF MY REPORT PURSUANT TO 15 USC 682 AND 15 USC 6801
Product: Credit reporting or other personal consumer reports

My credit is important to me. I have a genuine concern regarding the inaccurate information I am seeing on my report. These inaccuracies are creating constant stress whenever I can not get approved for new credit.
Product: Payday loan, title loan, or personal loan

A financial company by the name XXXX XXXX has added a negative report to my credit report without my knowing the loan exists. The loan is in the amount of {$500.00} and it continues to accrue interest. I can not reach any XXXX of the companys employees to help solve this issue. 
I need help to remove this from my credit report
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX and XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XXXX XXXX, XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a letter from the XXXX loan servicing center. The letter states that they received my complaints, but this is the first correspondence that I have received from SECU regarding the issue. The letter states that signatures on promissory notes match the signature on the license. The also state that public records show a change of address from XX/XX/XXXX. The did not provide copies of the promissory notes or license. The advised that I have a SECU account which is inaccurate. When my identity was stolen, the person who stole my identity also stole my license. The same person signed the promissory notes replicating the signature on the license. SECU also did not provide copies of the documents that they claim to have.
Product: Bank account or service

I had several fraudulent charges that appeared on my account. I had made several appointments with XXXX local banking centers to resolve the issues. The banking center were a party to the delays in reporting the claims and as a result my account accrued additional fees and surcharges. 
Examples of the fraudulent charges : Major retailer charges without the store number associated, multiple charges on the same day containing the same transaction number for various amounts, charges at local gas stations for XXXX and XXXX my normal charges, Schedule rollovers being delayed, Transactions where the major city and state do not match, holds being placed on my account for ghost transactions, my account being charges a fee for reporting fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States i have a right to privacy. 

These addresses do not belong on my credit report XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

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 XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax Legal Grounds ( Fair Credit Reporting Act, FCRA ) XXXX Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

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

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Vehicle loan or lease

well me and family took XXXX  with the XXXX  and didnt get paid in the process. well i called wells fargo to work out the pass do payment which was a month pass do. and while talking to them i was making a half payment in the process to catch up. after about XXXX days of the agreement of working things out to put me back to normal payments they came and got my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$610.00} XXXX  XXXX {$23000.00} XXXX XXXXXXXX {$14000.00} XXXX XXXXXXXX {$130.00}
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit reports that were not open by me. This has been hurting me and I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Mortgage

This excerpt is a followup fax/email to Select Portfolio Servicing Mortgage company : This letter is a follow-up to my initial identity theft notification dated XX/XX/2019, in which I have been instructed to do by governmental investigative law enforcement agencies and NGOs, e.g. ID Theft Center. This process is tedious and confusing at times but requires that I provide any and all pertinent information needed to conduct an investigation. That any and all creditors, credit bureaus, collection agencies, and financial institutions be provided information to protect their businesses and beware of this fraud case in preparation for prosecution of those responsible. The third step is to see if my accounts are eligible for any extensions, payment arrangements, the placement of collect suppression orders, deferment or any applicable hardship programs to give me time to catch up on payments and correct negative entries on my credit report. I have accomplished these steps as outline below : ***Federal Trade Commission Affidavit , # XXXX ***XXXX PD , Economic Crimes Unit , XXXX XXXX ***Consumer Financial Protection Bureau , XXXX XXXX This XX/XX/2019 notice is to determine the status of my account ( s ) with various creditors germane to hardship programs as part of this recovery process. As  per instruction my XXXX  XXXX XXXX ( XXXX  ) checking account ( s ) from which all creditors are paid, to include XXXX cards and automatic payment setups have been canceled. My XXXX XXXX pension fund has been notified and steps are being taken to get me back on track. A process to improve my quality of life, restore my credit/name, refi my mortgage ( s ) and start my own business here in the great state of Texas w/o these credit/finance issues following me. Im disputing this activity and negative entries that de facto deny equity access to low interest ( % ) loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an FTC report to all 3 credit bureaus. XXXX and XXXX removed my fraudulent account. On XX/XX/2022, XXXX removed my fraudulent Lending Club account from my credit file. Then again on XX/XX/2022 and again on XX/XX/2022 and again on XX/XX/2022. On four different occasions within a three week span. I don't know why this is continuing to happen and who's breaking the law. But I'm overwhelmed by what's going on and would like to have this fraudulent account from Lending Club removed from my credit file and report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XXXX XXXX, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct this immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Pay XXXX acct number XXXX {$850.00} XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts are reporting on all XXXX bureaus and I want them deleted because I didnt authorize any of this activity An identity theft report was filed report number is XXXX Police report number
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

Credence Resource sent me a bill in the mail telling me out I owed them {$120.00}. I have no knowledge of this account.

I sent Credence Resource Management documents requesting validation of debt pertaining to this account. They received the documents I sent onXX/XX/2021 at XXXX XXXX.

Credence Resource Management sent me back statements from another company. They did not send me what I asked for.

I have attached the documents that I sent to Credence Resource and the certified receipt.
Product: Vehicle loan or lease

We are getting charged on the daily like a credit card, but this is on motorhome which is currently our primary living space. And it's being charged daily we feel like this will never get paid off. 
After purchasing the motorhome we have a lot of problems with it. 
The day we signed papers at XXXX XXXX, they kept saying you have to sign these papers otherwise we will sell it to someone else and you will lose your Deposit. She said that America First Credit Union was the one that financed us and they are a great credit union. 
It was close to the end of the day so the lady told us what papers say and you can trust us. 
We never got papers that day to read over it. We never got to test drive motorhome. Because motorhome wouldnt start they said someone left lights on. So they would give papers when we come back. 
Came back they had motorhome running. I decided to shut it off and turn it back on it did not start. So their mechanic looked at and said the alternator wasnt working and he would fix it. 
So we had to wait another week. 
Came back again and again it was running. So shut off but this time it ran. We told them we never got to test drive it. They took us on our test drive, and went into a parking lot. Then I got to drive it.

Seemed fine.

So we took it home. Papers were in glove box of motorhome. We figured they were so accommodating fixing we didnt even think of reading papers, plus was so excited to have the motorhome. Two days later motorhome would not start called them they said come pick up a new battery. Picked up new battery noticed it only has a one year warranty. They said thats all they could do. 
Since then things on motorhome keep breaking.
Product: Debt collection

Citi and its subsidiary XXXX XXXX XXXX violated the FDCPA by calling with intent to harass and intimidate by calling 20-30 times per day during a period of time. They have since honored my request for a cease and desist on all my accounts except one. 

In their last response to me they requested that I provide them with account numbers. They are the creditor and they should have that information themselves. If they can locate my accounts to address my complaints filed with the CFPB they can find all of my accounts to apply a cease a desist. That's up to them and not for me to do it for them. Furthermore, them requesting me to call and provide them information is a violation of the spirit of a cease and desist. 

Now back to the information that they can not seem to get a grasp on so let me make my request very clear ..... 

******I am requesting copies of the call logs for Citi and their subsidiary XXXX XXXX XXXX XXXX XX/XX/year> through XXXX XXXX. I am requesting they provide the logs for all calls from live persons, robo or automated calls and the information from all phone numbers they use including any " spoof '' numbers. ***** To date they have refused to provide this information so if they choose to refuse to provide it again or can not address my request then I am asking the CFPB to investigate it and levy fines for all violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get your attention in removing accounts showing in my credit report that do not below to me, such accounts are : XXXX XXXX XXXX # **** ; and XXXX XXXX   XXXX # XXXX****. 
In the pass my identity has been stolen, due to data breaches in XXXX, and other companies, causing great harm to my credit worthiness.
Product: Debt collection

National Credit Adjustor is diminishing my reputation by furnishing negative items on my credit report. They are holding me back from being able to use my credit as need be and are making me look irresponsible. National Credit Adjustor does Not have any credentials to collect debt in the state of XXXX  which I reside in. They are violating my right as a consumer
Product: Student loan

On XX/XX/2017, I received an email from Nelnet stating that I had a payment of {$6500.00} due tomorrow that was scheduled for automatic payment. I logged onto my account online and requested to cancel the autodraft. I called Nelnet customer service to confirm the autodraft and I was assured that it would not likely go through. I also called regarding my income-based repayment application status, assuming it was not approved. I was told I still needed to pay for the {$5.00} fee. I was told I 'd be transfered to XXXX, but was hung up on. After being hung up on, I called again and was advised to call Nelnet the following day to get in touch with the XXXX. 

I called them and they told me that the {$5.00} fee they were expecting from me was actually already paid for. We also discussed the returning of my {$6500.00}. I was told by XXXX that she would send my case to her supervisors along with the phone call with Customer Service for review. Today, I was told that the customer service representative never even discussed getting my debited money back.
Product: Checking or savings account

There have been several payments that were to be paid that Citibank decided to reject without my approval which then goes into the negative after the refund the money and charging me non sufficient funds fees. For example there were several payments made to short term loan organizations for amounts between XXXX and XXXX that were automatically returned and then charged a XXXX NSF fee. By the time Citibank decided to reject the payment the account balance always ends up in a negative status. It not because I do not have enough money. The account would not allow for such transaction because I do not have overdraw protection. I feel my finds are being played with for some unknown reason. There was an incident that occur not too long ago where I was to have XXXX transferred over from Citibank to XXXX XXXX XXXX XXXX. The transaction was initiated and the funds were sent but then a few days later when I checked to see if the funds were at XXXX they told me that Citibank said that the customer cancelled the transaction yet the XXXX never made it back to my Citibank checking account. Like I said the has been an ongoing problem. Also, it takes a long time for them to bring my account balance up to date online. My account balance balance will read a specific amount for days on end and not be updated for sometimes up to a week and a half later. Many problem and many issues I am being held responsible for yet I am not the party making the mistakes. 
Best, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I see an improper or fake or never requested and unknown inquiry on my credit report and access to my info from XXXX XXXX on XXXX XXXX for auto finance and it is fraudulent as it not me and I have experienced recent identity fraud especially on auto loan related. 
I never contacted or requested this and it is fraudulent and unknown.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SOME INQUIRIES ON MY REPORT THAT DONT BELONG TO ME