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

This is becoming VERY annoying at this point. I have issued fraud alerts, filed police reports, called over 25 times ( check the records ) and yet and still someone is not only using my information but applying for the same things over and over. Im at work as I type and received an alert from a credit protection company that I was just denied a loan that I clearly did n't apply for. Ive asked over 20 times for these inquiries to be removed. I did not authorize any of them and im ready to take legal action at this point. Please remove the following accounts with month and dates : XXXX AND XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX -XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX-XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX,  XXXX XXXX XX/XX/XXXX -XX/XX/XXXX . I will not continue to send letters and call and talk to the RUDE reps who are of no help. My next step will be legal action.
Product: Debt or credit management

I paid my upstart loan off, Then they sent my stuff to collections. in accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 16 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose
Product: Credit reporting or other personal consumer reports

XXXX XXXX Dispute of Fraudulent Accounts and Inquiries on My Credit Report Dear Sir/Madam, I am writing to formally dispute fraudulent accounts and inquiries that appear on my credit report. After reviewing my report, I have identified several unauthorized accounts and inquiries, which I believe are the result of identity theft. These items are negatively impacting my credit score and hindering my ability to obtain credit, including purchasing a home. Please investigate the following fraudulent accounts and inquiries and remove them from my credit report promptly. 

Fraudulent Account : XXXX XXXX XXXX 
Account Number : XXXX Amount : {$490.00} Account Status : Unknown Date Opened : [ Insert Date or " Unknown '' ] I did not open this account nor do I recognize the {$490.00} charge. Please investigate and remove this account from my credit file. 

Fraudulent Inquiries : The following inquiries were made without my consent or authorization. Please remove these fraudulent inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were not authorized by me, and I believe they are fraudulent. I request that you remove these inquiries from my credit report.

Relevant Laws and Rights : Under the Fair Credit Reporting Act ( FCRA ), specifically : Section 609 ( 15 U.S.C. 1681g ) grants consumers the right to dispute any inaccurate or incomplete information on their credit report. 
Section 605B ( 15 U.S.C. 1681c-2 ) allows consumers to request the removal of fraudulent accounts and inquiries if they were victims of identity theft.

Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to investigate disputes within 30 days of receiving a dispute notice, and to correct or remove any information that is found to be inaccurate or unverifiable.

Additionally, under the Fair Credit Billing Act ( FCBA ), you are entitled to dispute fraudulent transactions and request that they be removed from your credit report. 

I am requesting that you investigate these fraudulent accounts and inquiries immediately and take corrective action as required by law. I also request that you provide me with an updated copy of my credit report once these items have been removed. 

I have enclosed a copy of my identification and proof of address to verify my identity. I ask that you complete this investigation within the time frame prescribed by the FCRA and provide me with written confirmation of the results. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Debt collection

Not following laws on debt collection. 

I disputed debt and they acknowledged the dispute and i have email tracking showing they also opened the email twice. 
They verified and confirmed they received the dispute on a recorded call Not only did they not validate and verify the debt with me they continued trying to collect. 
They are required to stop all collection activities until debt is validated once a dispute is received. 
They simply violated this law and tried to serve me while out of town 2 occasions at my home.

They also work under 3 company names and harassed me at work and on friends cell numbers. 
They were advised to cease and desist contact due to harassment. 
They failed to do so and would not properly identify when calling. 

A few occasions the reps actually gave out my personal information. 
They stated are you mr XXXX ssn XXXX and also gave out my dob. 
This disregard for laws and not operating in the laws other have to follow is not appreciated. 

If i get served i will be counter suing stenger and stenger / XXXX XXXX XXXX AS SUCCESSOR IN INTEREST TO XXXX XXXX XXXX  XXXX. for violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the summer of 2017, Equifax advised that its systems were compromised by a cyber attack that affected me. Upon checking their own " Security2017 '' website, and providing my information, it is obvious that I have been affected as I was offered their credit monitoring product on a specific date. I have placed a 90-day fraud alert on my files, and I am highly upset by this breach. Due to the lack of security measures at a reporting agency that holds my data without my consent, I know have a quality of life issue and will almost certainly be denied credit in the future due to my information being out " in the wild. ''
Product: Credit reporting

I had XXXX IRS tax liens filed in XX/XX/XXXX and XX/XX/XXXX in the amounts of {$130000.00} and {$87000.00}. They were released in XX/XX/XXXX. The were WITHDRAWN XX/XX/XXXX. Equifax began to report a lien of {$13000.00}, as a XXXX lien, in XXXX XXXX. At various times they have reported this non-existent lien twice, duplicated, so a total of XXXX. I have filed 14 disputes since XXXX/XXXX/XXXX. Recently, they changed the {$13000.00} to {$13000.00}, and are reporting it twice. This lien has never existed. Equifax continues to state that they have contacted XXXX County North Carolina and verified these liens. This is a blatant lie. It is not done electronically, they have to send someone there physically to the Superior Court office to pull the records. I have attached the XXXX WITHDRAWALS for the REAL liens, so they should NEVER be reported again. I have attached a letter from the XXXX Superior Court Clerk that clearly states that the XXXX REAL liens are the ONLY liens that were ever filed. There has never ever been any lien filed for {$13000.00} or {$13000.00} or or any other amount than {$130000.00} and {$87000.00}, NEVER, EVER! And the real liens have been WITHDRAWN, in IRS parlance that means it is as if they never existed. 
Please help me to force Equifax to cease and desist reporting ANY IRS tax liens on my credit report. I have disputed their various iterations of this reporting 14 times!! since XX/XX/XXXX. Enough is enough. 
Thank You Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX, XXXX ( Original Creditor : THE XXXX XXXX XXXX ) XXXX Balance : {$5000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$700.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$2900.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$660.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, a collection account with CKS Prime Investments XXXX  was opened, regarding a debt originally owed to XXXX XXXX XXXX XXXX XXXX. This account was fully paid ( {$760.00} ) and closed as of XX/XX/XXXX. Despite this, CKS Prime Investments XXXX continues to report this account on my credit report, which is negatively affecting my credit score. 

I have disputed this account multiple times, but it remains inaccurately on my credit file, even though the debt has been paid in full and the account is closed. I never had a direct contract with CKS Prime Investments XXXX, and there is no reason for this account to still be reported under their name. 

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

I went to a dealer to see some cars and the y run My Credit to Many times and shows there that i have some Credit card that i never have before
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX, I decided to try and repair my credit/remove any inaccuracies that may have appeared.I found several accounts/addresses that were inaccurate, XXXX, Eqifax had ( s ) fraud alerts that were most certainly not authorized.I sent dispute letters to  XXXX, Equifax, XXXX  and account holders via certified mail. days later, I sent a second round of letters disputing incorrect information XX/XX/XXXX just to get a response that all my accounts have been 'Validated/Verified '' .I have a XXXX XXXX closed derogatory on XXXX   ( {$260.00} ) and a collection for that same derog on Eqifax., In my dispute letters, I mentioned I wanted to know their verification/validation method, never got a response from any of the three bureaus in that regard.I have a closed derogatory XXXX XXXX XXXX  card from XXXX for the princely sum of {$260.00} along with XXXX charge-offs that has been " Validated '' and reporting on all three CB..I contacted the original creditors and what I got in return was evidence that they have no valid evidence I ever owed this debt, nor any valid reason this is still on my credit 8yrs,2mo later.I have a medical collection for XXXX on my credit from a agency that violated my HIPPA rights ( using stolen medical information to collect ) ..Just like a lot of people, I got scammed into signing up for student loans with the promises of job placement, better life ect.Every time I dispute these items, My balances raise or lower by the exact same amount ( XXXX $ ) .If these numbers are legitimate, how is that possible? Interest alone dictates this to be impossible.I apparently have a student loan for XXXX $ with 56 late payments..How is this nonsensical jibberish allowed to be posted to my consumer credit accounts? They ask the people that claim you owe them money if you owe, they of course say yes and that's the end of it? No original instuments of indebtness, No HIPPA realeases, FCRA violations 15 ways from sunday.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled out an application through XXXX XXXX for XXXX XXXX. Their website claimed that I would be contacted within a few days. On the XXXX of XXXX I received email notifications that i had several new notifications of new credit inquiries. XXXX XXXX ran my credit report, and gave my information to countless credit unions and Banks without my authorization. On the XXXX of XXXX I put a fraud alert on my account. Today XX/XX/XXXX, I spoke to a supervisor at XXXX XXXX and explained my frustration that my information was given out without my permission. He was very nonchalant and did not seem to care that I was upset. I let him know I was going to file a complaint. Nobody from XXXX XXXX has contacted me until I contacted them today, on the XXXX. Apparently it is a common practice to receive an application and run someone's credit without speaking to the person first, which is frightening especially when credit is involved. None of the credit unions that have my application have contacted me, nor did they have my permission to run my credit.The following inquiries need to be removed as I did not authorize them. 
XX/XX/XXXX and XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I contacted PNC in XX/XX/XXXX to discuss refinancing our fixed rate mortgage ( which was with PNC at XXXX XXXX ). I indicated my desire to refinance at a fixed rate without incurring closing costs. I was emailed by XXXX XXXX on XX/XX/XXXX with an introduction email stating he would be our Personal Loan Specialist and requested documentation from us to get started. 

XXXX XXXX Loan Processing Analyst Fulfillment, XXXX XXXX XXXX XXXX XXXX # XXXX There was back and forth email communication and phone calls as we gathered and provided documentation throughout XXXX, XXXX, XXXX On XX/XX/XXXX I sent the following email to XXXX : Hi XXXX I received documentation via email of condition approval and request to acknowledge digital application documents. In reviewing, there are a few errors. 
1 ) We requested a fixed rate, not variable 2 ) We requested a 15 or 18 year term and requested payment estimate of both options to make determination 3 ) We do not want any money out. 

We had a phone call and XXXX advised he would fix and we discussed the 15year vs 18 year payment based upon a fixed rate of 3.5 % with a .25 % rate decrease if we set up automatic payments. He communicated that our outstanding XXXX mortgage would be paid off by the HELOC and that that amount would be fixed, and that because it was a HELOC we could pull out additional funds after loan closure, but that amount would be a variable rate. 

On XX/XX/XXXX, I reviewed my statement and noticed a 4.25 % rate. I immediately called in to customer service who advised they would file a complaint and that I would receive a phone call by a manager. I followed up be sending XXXX an email requesting help. XXXX emailed me back the morning of XX/XX/XXXX stating he no longer worked in that department, but that " we would definitely want to speak with you ASAP to ensure your concerns are being addressed ''. After receiving his correspondence, I called the number he provided - XXXX. I told the agent I wanted to speak with him. After XXXX minutes of hold time, she came back on the line to advise me she had located him and placed me on hold again. XXXX minutes later, she advised that XXXX said there was nothing he could do. The agent then asked if I wanted to file a complaint. I advised her that I had already done so and was waiting for a call back. She acknowledged that she did in fact see my complaint. She attempted to get a manager on the line. After one hour on hold, I was unable to keep the connection due to work schedule. It is now after business hours ( XXXX XXXX and I have not received any phone call.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts on my credit report that are not mine I have tried disputing this with the bureaus and they are not helping me out with this I need these taken care of right away because it's causing me great stress and I dont want to get sick over someone elses mistakes. 

XXXX XXXX- Acct # XXXX Amt {$9600.00} XXXX XXXX XXXX - Acct # XXXX Amt $ - XXXX XXXX XXXX Acct # XXXX Amt $ - INQUIRIES XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time my identity has been compromised. Please remove these fraudulent unknown accounts from my report. 

XXXX XXXX {$2500.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$400.00} XXXX   XXXX {$900.00} XXXX XXXX XXXX {$500.00} XXXX XXXX {$410.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX  XXXX {$890.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX {$62000.00} XXXX/XXXX   XXXX {$400.00} XXXX/XXXX XXXX {$490.00} XXXX XXXX {$340.00} XXXX  XXXX {$410.00} XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX  XXXX  XXXX XXXX {$23000.00} XXXX XXXX {$500.00} XXXX XXXX {$900.00} XXXX/XXXX XXXX {$3900.00} XXXX/XXXX   XXXX {$500.00} XXXX-XXXX  XXXX XXXX {$360.00} XXXX/XXXX  XXXX {$1700.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

They call my cellphone and workplace frequently. Debts are beyond statute of limitations and have been bought and sold multiple times. I have paid off the accounts and they keep calling and sending letters.
Product: Credit card

We have a credit card with USBank card ending XXXX balance is being paid in full month before the due date. In XXXX and XXXX statements after the full payment was posted, a finance charge was posted to the account ( see attached docs ) I spoke with XXXX on XX/XX/year> and ask for an explanation and she seems to have trouble in explaining why? XXXX said that the finance charge was applied because i did not pay the amount in full on the closing day but i said the due date is not until XXXX according to your statement it says if the full amount is paid before the due date, no interest will be applied ( see docs ) Summer seems to have had difficulty when she was challenged on how the interest is calculated and kept on referring to how interest is calculated but could not justify applying the interest. 
When i asked if she would reverse the interest charge and she said NO so i said i will contact the FCPB and she said the conversation is recorded anyway. 
FYI : it is illegal in the State of CA where we live to record any conversation without my consent. XXXX did not ask for my consent and therefore she has violated the State law of California. 
It seems like this is a very deceptive practice by USBank of applying unwarranted interest. It should be disclosed to the consumer that interest will accrue when the balance is not paid before the closing date and the interest will accrue up to the day the balance is paid in full. THIS IS NOT DISCLOSED in the statement.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXXnder 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.