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

To whom this may concern, while checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the fair credit reporting act section 1681 ( b ) ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you main under my social security number. 

XXXX XXXX XXXX XXXX XXXX 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: Debt collection

What Happened? 
This complaint is regarding XXXX XXXX XXXX XXXX XXXX. Hereafter referred to as XXXX, XXXX. XXXX, XXXX is attempting to collect a debt. In which they say I, XXXX XXXX XXXX XXXX XXXX owe XXXX XXXX and Portfolio Recovery Associates a total amount of {$5200.00}. On XX/XX/2024 I, XXXX XXXX XXXX wrote a letter, sent via certified mail in response to the notice received via mail to my home address from XXXX, XXXX on XX/XX/2024 requesting me to validate the debt thats owed and to provide them with a response by XX/XX/2024, and I did. I, XXXX XXXX XXXX requested XXXX, XXXX to provide me with competent evidence bearing my wet signature, showing that I, XXXX XXXX XXXX have or ever had a contractual agreement with XXXX, XXXX, and their client Portfolio Recovery Associates as an obligation to pay their client. This is not sufficient and compliant of federal laws under the Fair Credit Reporting Act in the corresponding local state laws. I never received a response as of today XX/XX/2024. 
On XX/XX/2024, XXXX, XXXX and their Client Portfolio Recovery Associates violated my consumers rights FDCPA ( Section 807-8 ), FCRA ( Section 623-b ), Negligent Enablement of Identity Fraud, Defamation of Character and my 14th Amendment Rights violating the Due Process Clause which provides that no state may deprive any person of life, liberty, or property, without due process of law. The 14th Amendments Due Process Clause guarantees procedural due process, meaning that government actors must follow certain procedures before they may deprive a person of a protected life, liberty, or property interest. XXXX, XXXX and their client Portfolio Recovery Associates utilized unfair deceptive illegally practices by garnishing my XXXX XXXX XXXX XXXX XXXX without any formal or legal notice prior to their requested response deadline, XX/XX/XXXX to disputes these allegations in which I did via certified letter. 
Furthermore, I, XXXX XXXX XXXX never received a response to the certified letter I sent which they received on XX/XX/2024 nor a notice from the XXXX XXXX XXXX or Law Firm prior to XX/XX/XXXX. XXXX, XXXX and their client Portfolio Recovery Associates filed a lawsuit against me with the XXXX XXXX XXXX XXXX XXXX : XXXX ) via e-Filing a misleading Affidavit for Financial Garnishment on XX/XX/2024. 
Once again, my rights were violated. I, XXXX XXXX XXXX was made aware of this information ( the Lawsuit-Case ) while routinely checking my bank account on XX/XX/2024 and noticed that my current balance in my accts were at a XXXX balance. I then called customer service to inquire about why my accounts are showing a XXXX balance and the representative shared that a judgement of wage garnishment was issued on my account from Portfolio Recovery Associates.
Product: Student loan

I have a Federal Parent Plus Loan that is currently being serviced by Navient. On XX/XX/2020, I contacted Navient to inquire about lowering my monthly AutoPay amount by {$60.00} as part of family budgeting changes due to the current COVID-19 related financial crisis. I owe about {$25000.00} and was paying XXXX monthly which resulted in a total repayment in about 39 months of a bit in excess of {$28000.00}. I was told by the customer service representative that they could not make the requested change, but calculated a new repayment schedule of {$370.00} a month for 24 months, followed by two terms of payments in excess of {$1100.00} per month that pushed repayment out into XXXX, and would have a cost to me in excess of {$180000.00}. I explicitly told the representative that I did not want this option ( multiple times during the recorded conversation ) and to just leave the account as it currently existed and after a few demographic questions ( address, phone, and email verfication ), ended the call. 
The morning of XX/XX/2020, I received an email notification from Navient that my loan payment terms had changed. Turns out, they were changed to the proposed and rejected new payment schedule from the prior day, without my consent. I called customer service at Navient and complained about the situation, requesting that my loan payment terms be set back to what they were prior to the XX/XX/2020 call. Representative offers a couple of payment plans that were close to, but not exactly what I had had before. Consequently, I asked to speak to his supervisor. The representative put me on hold, and came back after a few minutes, without the supervisor, asking about would I accept one of the new payment plans and that he would internally register an inquiry about how this happened. Again, I asked to speak to the supervisor as what I wanted was to have the account put back to how it was previously. Representative said he would connect me with the supervisor and put me on hold. After a few minutes, he returned and stated that the account was set back to the original payment plan. I never did get to talk to the supervisor. 
While my situation was rectified, I have concerns that Navient representatives are making unauthorized changes to repayment plans, resulting in longer repayment terms and more interest expense for customers. Also, the fact that I never was able to talk to a supervisor and lodge my complaint seems to me to be indicative of a pattern of pervasive dishonest and misleading behavior on the part of Navient.
Product: Debt collection

MY COMPLAINT IS AGAINT BULL CITY FINANCIAL SOLUTIONS! 

They have posted several times on my credit reports and I lived abroad from XXXX, so its impossible for them to have put this on my credit. I then found out in 2016 from the IRS that my identity was stolen, however the IRS does not tell you the details of the investigation only that its resolved or not. Throughout the years they have no been able to provide proof to verify, and I have never entered any contracts with them. They also have posted the same bills 2 or 3 times with same amounts on my credit reports. IF this does not get resolved immediately I am seeking legal action as this has affected my life. I have a passport to prove i live out of the country as well as several articles written about me in the country I lived.
Product: Credit reporting or other personal consumer reports

i was reviewing my consumer reports and realizing that i have several inquiries from unknown companies that do not have my permission to report anything on my report my personal information has been compromised and breached which could constitute aggravated identity theft pursuant to 18 usc 1028a, the company in addition to civil liability. By obtaining my credit report without permission or permissible purpose by law is in violation of fair credit reporting act 15 usc 1681 b ( a ) 3 ( f ) ( i ) XXXX XXXX XXXX, XXXX. supp XXXX XXXX they are also in violation of 15 usc 1681n ( a ) g
Product: Money transfer, virtual currency, or money service

Im unhappy and would like to express my concerns regarding Zelles handling of disputes, specifically regarding the recent CFPB lawsuit highlighting significant issues with the platform. Ive used Zelle many times, reporting issues. Zelle failed to investigate my claims. Informing me that recovering lost funds was impossible and tracking them, unfeasible. The CFPB findings indicate that Zelle has neglected and to protect consumers and have allowed repeat offenders to exploit the system leaving users vulnerable to scams.
Product: Debt collection

The collector, Medical Revenue Service is attempting to collect a debt from XXXX XXXX for the amount of {$1400.00}. I setup a payment plan with the hospital and paid on XX/XX/24, {$580.00} which was payment XXXX of XXXX. When I went into my account to check the status of the next payment, as to why it hadn't been pulled from my account yet, the hospital indicated that they canceled the remaining payments. When I checked my balance was {$0.00} on XX/XX/24. At this point, I assumed the hospital wrote of the remainder of the debt since I made a payment towards it. I never heard anything from any collector until XX/XX/XXXX. That's a significant amount of time that passed in which I assumed the debt was paid. I have disputed this with the collector and they furnished what they deem proof of the debt from the hospital, however, no one is mentioning my payment of {$580.00} that cleared my bank. Proof of the plan, proof of payment, proof of payment complete, account activity and the original bill are all attached.
Product: Credit card or prepaid card

My name is XXXX XXXX and I have been a Citi credit card customer for more than 8 years. I have been a loyal customer and never missed a payment. Today I found that all five Citi credit cards, Citi XXXX, Citi XXXX XXXX, Citi XXXX, Citi XXXX XXXX, and Citi XXXX XXXX cards have been closed without any notice. I don't know what's going on since I can not recall anything I did wrong recently. I just use my credit card regularly and pay on time. One thing I remember is I lost my wallet in XXXX and had fraudulent activity on my XXXX XXXX  card which I reported it. Also, I downgraded my XXXX XXXX  card last week since I have severe lower XXXX XXXX issue and XXXX XXXX and can not travel for a while. Other than that I don't see I did anything suspicious that deserves to have all my CITI credit cards closed. I have been a Citi customer for a long time and please reinvestigate my case and reopen my account. Thank you so much!
Product: Credit reporting or other personal consumer reports

In accurdance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentically under 15 U.S.C 1681 XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX 15U.S.C 1681 section602A states I have a right to privacy. 

15U.S.C. 1681 Section 604A section2 It also states a consumer reporting agency can not furnish a account without my written instructions 15U.S.C 1681c ( a ) ( 5 ) Section states No consumer reporting may make any consumer report containing any of the following items of information.Any otheradverse item of information, other than records of convictions of crime which antedars the report by more than 7 years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX SSN ( last 4 ) : XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX D.C. XXXX Subject : Formal Dispute and Request for Immediate Deletion and Validation of Account : XXXX XXXX  XXXX Dear CFPB, I am writing to formally dispute the following account listed on my credit report from XXXX. This account does not belong to me, and I am demanding its immediate removal from my credit report. I have repeatedly disputed this account with no response or validation from the credit bureaus, and I request your intervention to rectify this situation promptly. 

Disputed Account Information : Account Name : XXXX XXXX  XXXX Account Number : XXXX Credit Bureaus Involved : XXXX Date Opened : XX/XX/XXXX Current Status : Collection/Chargeoff Balance : {$850.00} Comments : First payment never received. Unpaid balance reported as a loss by the credit grantor. 
I assert that this account is not mine, and it has been reported in error. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to demand immediate validation of this account, or its deletion if validation can not be provided. 

The following laws support my dispute : FCRA Section 611 ( 15 U.S.C. 1681i ) : I have the right to dispute inaccurate information and have it corrected or removed if it can not be verified.

FCRA Section 609 ( 15 U.S.C. 1681g ) : This section gives me the right to request any and all documentation related to the account to verify its accuracy.

FDCPA Section 809 ( 15 U.S.C. 1692g ) : Debt collectors must provide validation of a debt when requested. If they fail to do so, they are required to cease collection activity and remove the account.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Creditors must report accurate information. If they report inaccurate or unverifiable information, they must correct or delete it. 
This letter serves as my formal request for the original creditor 's signed documentation or any other proof demonstrating that this debt belongs to me. Should this documentation not be provided within the legal timeframe, I demand the immediate removal of this account from my credit report. 

As of XX/XX/XXXX, I have not received any communication regarding my previous disputes, which is a violation of my rights under the FCRA and FDCPA. I urge the CFPB to ensure compliance with these laws and remove the account from my credit file. 

Thank you for your attention to this matter. I trust that the CFPB will ensure the resolution of this issue in accordance with federal regulations. 

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

In accordance with the Fair Credit Reporting and XXXX Account Numbers have violated my rights The item XXXX XXXX ( account number XXXX ) is inaccurate because it is not my account. I am requesting that this item be removed. 

The item XXXX XXXX  ( account number XXXX ) is inaccurate because it is not my account. I am requesting that this item be removed. 

The item XXXXXXXX XXXX ( account number XXXX ) is inaccurate because it is not my account. I am requesting that this item be removed. 

The item XXXXXXXX XXXX XXXXXXXX ( account number XXXX ) is inaccurate because it is not my account. I am requesting that this item be removed. 

I am disputing the following inquiries which I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/2022 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 Experian has not responded to my investigation request with in the past 30 days.
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 items : XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$840.00} ; XXXX XXXX XXXX  XXXX Opened XXXX. XXXX, XXXX Balance {$52.00} ; XXXX XXXX XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$510.00} ; XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$440.00} ; XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX BANK XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$52.00} ; XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$840.00} ; XXXX  XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX  XXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$440.00} XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I have been disputing the Student Loans since I discovered the fraud by filing a police report in XXXX  which I have provided and I have 2 court rullings in my favor on XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  for dismissal of the debt which both are directly linked to the current Federal Student Loans that are held with XXXX. 

I have provided all this information and documents in detail and XXXX keeps saying stating the same thing that is in their letter dated XX/XX/XXXX that is attached. Once again they will not provide their fraud report nor consider the facts that I have provided. 

Again, XXXX needs to discharge these Fraulant loans and reimburse me for the payments I have made thus far which was made by me in XXXX b/c it directly states on the discharge application that the individual should continue to make payments b/c they will be reimbursed if/when the loans get discharged and so I did as I did not want it to hurt my credit and then I was also dealing with the Judgement that I won on XX/XX/XXXX which was filed aginst me in XX/XX/XXXXXXXX  but once again the ruling for the case was in my favor and dismissed. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX documents- There is some confusion on the information that I provided to XXXX XXXX The address on page XXXX and XXXX XXXX is NOT Fraud and is 100 % accurate. Again those addresses are correct and should NOT be removed as Fraud. I provided those address to support my claim the loans with XXXX are Fraudlant b/c the address that I provided in XXXX XXXX  and in attachment " Credit Reporting Dispute Letter '' is where I was living during the time the Fraudulant loans were taken out and are currently held with XXXX. This can be collaborated with my School Transcript which I have provided many times. 

AGAIN TO CLARIFY ALL THE ADDRESSES ON THE LAST PAGE OF THE ATTACHMENT " CREDIT REPORTING DISPUTE LETTER " ARE ACCURATE AND SHOULD NOT BE REMOVED. THIS IS TO SUPPORT MY CLAIM Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I am a single mom with a recent death in the family. I lost my mother and still paying for her funeral expenses. May she RIP. The financial struggle is so real I am behind 4 months on my mortgage and was given a trial payment that was difficult to afford. The trial payment was {$4200.00} needless to say, I could not afford it after a few months, then defaulted after a roof leak with the hurricane the insurance company People Trust refused to repair my roof. They had charged over {$8000.00} per year for my insurance premium and did not pay any money to fix my roof. That is despicable as I was covered and still no help. That led to my saving money to fix the roof before I lost my valuables to mold. 
Carrington gave me the disaster forbearance. However, it is expired on XX/XX/year>. I have no help as I am behind. I give Carrington access for you to get information on my behalf. I hope this helps. I want to keep the property if I can. get an affordable payment. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I contacted Equifax and XXXX regarding the Tax Lien that is on my account under Public Records. I requested that the specified companies remove the lien from my account according to the New Tax Lien law effective XXXX XXXX, 2017 that states 2 criteria for removal in which this lien qualifies because 1 ) they did not update with the county every 90 days and 2 ) The complete pertinent information is not listed on my report. Both of these companies stated they were n't aware of the new laws and that I had to file a dispute, and they are stating that they will have to wait for their company to implement such a change first.
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Please note : XXXX was aware of the new law and removed this lien from my report within 24 hours ...
Product: Credit reporting or other personal consumer reports

Incorrect information was reported my XXXX report resulting in negative actions on my life and finances/ insurance rates. I've been refused job opportunities because of this false information. Please correct. I've spoken with the insurance companies involve, and they both have no idea why my information was uploaded to these claims. My information is as follows. 
XXXX XXXX XXXX XXXXXX/XX/year> DL # XXXX ( NC ) C.L.U.E reference # XXXX Claim # XXXX ( XXXX XXXX ) Claim # XXXX ( XXXX XXXX )
Product: Debt collection

Medical Data Systems sent a text message to me to collect a debt from XXXX XXXX XXXX. I have never received services from XXXX XXXX XXXX. I reached out to XXXX XXXX XXXX and spoke with their billing department. They have no record of me or the debt ever existing in their system.
Product: Checking or savings account

On XX/XX/year>, my nephew XXXX XXXX sent me a zelle in the amount if XXXX. He banks with SoFi. He later went on to dispute the zelle he sent as fraud. As a result of that, my bank had not only restricted my XXXX access but access to my checking and savings account as well. My bank, XXXX XXXX XXXX informed me that the only way my account will be unrestricted is if I receive a letter from my nephews bank SoFi with their letterhead stating that he made the zelle dispute in error. He called his bank and called me on the other line. I explained to them what my bank XXXX XXXX XXXX is requesting, and they are refusing to send any kind of letter. I just need this letter so access to my account can be reinstated. They keep saying they cant send any letter and they only can send proof that the dispute my nephew filed was denied. That is not what my bank is requesting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to initiate an online dispute or view my dispute results. There is a message that says we are experiencing technical difficulties. 

This happened before and was due to the file size of my credit report mainly due to the number of experian and experian credit match soft inquiries which are generated from the credit monitoring service.