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

Subject : Formal Demand for Removal of Fraudulent Credit Information To Whom It May Concern, I am writing to demand immediate action regarding fraudulent entries on my credit report. My personal information was illegally compromised on the dark web, leading to unauthorized transactions and the creation of accounts without my consent. 

Pursuant to 12 C.F.R. 1022.142, I am entitled to have these illegitimate entries removed from my credit history. Enclosed, you will find supporting documentation that underscores the urgency and legitimacy of my request. 

The following entries are fraudulent and must be expunged from my credit report : XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  XXXX of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX  Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX The presence of these inaccuracies has caused significant distress and potential harm to my creditworthiness. I expect prompt attention to this matter and the removal of these entries within the legally mandated timeframe. 

Failure to address this issue satisfactorily will compel me to explore all available legal remedies to ensure the protection of my rights. 

I anticipate your immediate cooperation and confirmation of the removal of these fraudulent entries. 

Sincerely, XXXX XXXX
Product: Debt collection

On or about XX/XX/2017 ; I obtained a copy of my personal credit report from the 3 major credit bureaus ( XXXX, XXXX and XXXX ). I noticed an entry from a company named XXXX XXXX that is incorrect. Research revelaed that the organization falls under the umbrella of Colony Brands , Inc ; a  conglomerate of mail order companies. Knowing that this account is not mine, on XX/XX/XXXX, I sent a letter certified mail requesting VALIDATION of this debt with any proof bearing my signature. This is the burden of proof set forth by the Fair Credit Reporting Act ( FCRA ). 

I have requested that this organization produce any documentation to include an application for credit or any type of contract that bears my signature to VALIDATE this debt. They continually refuse to provide this information, yet this organization has sent me a copy of a bill, that does not meet the burden of proof according to an opinion letter issued by FTC Commissioner XXXX that is attached to this complaint. 

On or about XX/XX/XXXX, I again sent correspondence via certified mail requesting VALIDATION of this debt ; requesting that the organization provide me with copies of ANY documentation that bears my signature. They have failed to provide any VALIDATION whatsoever that the account is my responsibility, yet they continue to incorrectly report this debt on my personal credit reports. 

Additionally, this organization is in violation of Section 392.101 of the Texas Finance Code ; which states that debt collectors engaging in debt collection in the State of  Texas must obtain a surety bond and have this information on file with the Texas Office of the Secretary of State. This requirement applies to third party debt collectors as well as companies attempting to collect thier own debts. I would say that reporting negative information to ones credit bureau file is an attempt to collect a debt. 

In conclusion, this organization has not met the burden of proof and VALIDATED that the account in question actually belongs to me and is my responsibility. They have provided no proof of account ownership that bears my signature. This is a direct violation of the FCRA that requires this VALIDATION for an organization to continue to report negative items on my credit bureau file.
Product: Credit reporting or other personal consumer reports

As outlined in Section 621 ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ), you are required to investigate any disputed information within 30 days of receiving a dispute notice. This includes entering a notice of dispute on my credit report. To date, I have not received any communication regarding the investigation of this dispute, nor has a notice of dispute been placed on my credit report for the account XXXX XXXX  XXXX. Given your failure to comply with FCRA regulations by not investigating the disputed information and entering a notice of dispute, I demand the immediate removal of the accounts outlined in the dispute letter sent XX/XX/2024 ( attached ). Furthermore, the disputed accounts were never verified. XXXX is reporting 2 late payments while Transunion states that no payment history is available. XXXX has removed this account. If I do not receive confirmation of the account 's removal, I will be forced to pursue further action, which may include filing a complaint with the Federal Trade Commission ( FTC ) and considering legal options. I have attached a copy of my credit report clearly showing the absence of a dispute notice for the accounts and the dispute letter, which is dated, and time stamped.
Product: Checking or savings account

I was involved in an accident and as a part of the settlement received a check from XXXXXXXX XXXX for {$3500.00}. I made the deposit on XX/XX/18 but my bank is holding all of it until after the XXXX. I have had this same account with this bank for 12 years and have deposited checks this size before. They would usually give me access to a portion of it while it clears. In this case they did not. I had hospital Bills and my car was totaled. 

I spoke to my bank over the course of the next few days and despite the fact that 2 business days have passed and that i have NEVER bounced a check or made a bad deposit they refuse to give me XXXX cent. I'm in a tight situation and desperately need access to my money. All I wanted is a small portion to available right away. At least XXXX or XXXX dollars, but the bank refuses to budge or acknowledge my tenure and excellent account history. 

There are laws governing how banks can withhold funds from deposits and this doesn't fall under any of those exceptions. I will be taking my banking elsewhere. But since they have put such a strain on me and my family for no reason I would like to file this complaint.
Product: Checking or savings account

In XXXXXXXX XXXX I opened a business account with wells Fargo I bring the sole owner of XXXX XXXX XXXX upon me opening my account I was informed by wells Fargo employee that I have to add some one too my dba too have them as my XXXX  an I added XXXX XXXX XXXX as my XXXX  an he stole, embezzled, an misappropriated funds from my company ..cashed checks an diverted checks too XXXX XXXX XXXXXXXX because of wells Fargo 's actions ..also have out my personal account information an allowed him access too my personal account ..him stole about XXXX XXXX from me an my business..
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Inquiry XXXX
Product: Student loan

On XX/XX/XXXX I wrote to Mohela regarding the conflicting payment information I have received, and was told by Mohela that the only amount due would be the {$44.00} on the XXXX of every month. On XX/XX/XXXX, after registering for the new online system for Mohela/Financial Aid , I was surprised to find a new Auto Pay alert on the main page indicating that I would be debited {$380.00} on XX/XX/XXXX and {$44.00} on XX/XX/XXXX. On the same day, XX/XX/XXXX, I sent a message to Mohela again asking for clarification. Without a response from Mohela, I have an entirely different payment coming out of my account today in the amount of {$420.00}. 

Attached is the screen shot of a debit from Dept. of Education ( Mohela ) in the amount of {$420.00} on XX/XX/XXXX. I logged back into the new Mohela portal this morning and I took a screen shot of the Auto Pay alert that indicates that an additional payment of {$44.00} will be debited from my account on XX/XX/XXXX. It is my understanding that I should ONLY have {$44.00} debited from my account. So far, I have not not received a clear or consistent statement/explanation/bill from Mohela. 

The {$44.00} was an approved amount following my application for an income-based repayment plan, utilizing the new program/calculation for federal student loans. As a side note, I can not afford {$420.00}, plus {$44.00}, or an additional {$380.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally address an urgent matter regarding several unauthorized hard inquiries appearing on my credit report. I have reviewed my credit report and noticed inquiries from the following creditors, to whom I have never granted permission to access my credit file :
Product: Debt collection

I noticed this company on my credit report but I don't know who they are or where this debt I from. I never received anything about this debt.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I saw that my rights as a consumer has been violated. According to the FCRA, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States " the term consumer report doesn't include any report containing information solely as to transactions or experience between the consumer and the person making the report. " Late payments are a form of transactions according to the credit laws. All bureaus, Transunion, XXXX and XXXX is reporting late payments on multiple accounts : XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681b ( a ) ( 2 ) states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. " I never gave any of the consumer reporting agencies written permission or instructions to report any inaccuracies let alone these late payments. Also according to 15 USC 1681 602 Congressional findings and statement of purpose states " There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. " It also states " the banking system is dependent on fair and accurate credit reporting. '' Reporting inaccurate information on a consumer reports directly impairs the efficiency of the banking system. Nothing about the reporting of these late payments are accurate and I have never received sufficient proof that they are accurate and my privacy has been violated due to the consumer reporting agencies violating my consumer rights by allowing these inaccuracies to be reported on my credit reports. I am requesting that you do the right thing and delete this information from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector, asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently reviewed a copy of my credit report and noticed that I have fraudulent accounts on it. Please remove these accounts from my report as it is damaging my ability to obtain credit.
Product: Debt collection

I was sent a letter to owe the amount of {$51.00} on my XXXX XXXX credit card account. I paid off all amount that was due on that credit card and it currently shows on my online account that I have no amount due at this time. 
The last payment I paid in full was in XXXX XXXX, 2015. 
I do not understand why I am receiving a letter from the collection department for an amount that I did not even spend. Please fix this false statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a formal complaint and dispute letter notifying Experian of an inaccurate account showing on my credit report file. Under FCRA section 609 Experian had 30 days to investigate and either verify and validate the account or remove it from credit file. Experian has now exceeded and surpass the designated time frame given under federal laws and FCRA guidelines. The account in question is as Follows XXXX XXXX
Product: Debt collection

I am a consumer, a natural person. I have been violated and deceived by the use of unfair collection practices. CAVALRY PORTFOLIO SERVICES , LLC has violated my right to privacy. My account number is XXXX with this company. I do not have a contract with CAVALRY PORTFOLIO SERVICES , LLC, and have written them requesting proof of claim/verification for this unauthorized alleged debt! I want a wet signature signed by a natural person from CAVALRY PORTFOLIO SERVICES , LLC and myself showing that we have a contract. I sent registered mail along with my Affidavit of Truth complete with how I have been violated and have not received a response of them addressing my Affidavit of Truth.

The only person that can verify the debt is me the NATURAL PERSON, I the CONSUMER according to Title 15 USC 1692g is ME.

CAVALRY PORTFOLIO SERVICES , LLC has not responded to my statement of truth, and has threatened me with their litigation department which is a violation according to 15 USC 1692e93 ) by the issuance of documents informing me it being sent to their litigation department which is considered false representations and implications of the legal process.! According to 28 USC ( 1 ) ( B ) any private attorney authorized by the contract made in accordance with section 3718 of title 31 to conduct litigation for collection of debts on behalf of the United States. Is this attorney in accordance with this code? I am alleging that they are not. 
I am a single mother. I am looking for new employment. CAVALRY RECOVERY SERVICES, LLC has prevented me from getting a new job because they have reported this alleged account to all three major reporting agencies and I want it removed ASAP!!!! Times are hard enough in a pandemic to have my character destroyed by the horrible company. Pursuant to 18 USC 241, this is a conspiracy against my rights because two or more persons are conspiring AGAINST me to injure, oppress, threaten and intimidate me. I have had enough. 
Per my free consultation with a consumer lawyer, I should be suing them for impeding on my privacy and making false claims against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

the account XXXX for XXXX is unknown to me, also the the account XXXX XXXX XXXX is clear violation of 104-91 HIPPA since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. In addition the new Omnibus Final Rule states : when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information. This letter serves as that instruction.
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report that I did not apply for at all.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items on my credit report. 

Equifax : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

XXXX XXXX my account was charged {$120.00} for balance transfer fees. 

Upon closer review, WellsFargo consolidated 2 of my existing transfers in to one expiring in XX/XX/2023. The other 2 were to expire in XXXX XXXX and XXXX XXXX. 

I did not request the new transfer/consolidation nor did I agree to the incurrence of fees. This is a fraudulent act by WellsFargo.
Product: Debt collection

Company trying to collect debt that I don't owe to them. They're not license in my state to collect debts.
Product: Credit card or prepaid card

They are denying my app without sending me a reason.
Product: Mortgage

First off I would like to say thank you for taking the time to look over this. 
We started to fall behind on our mortgage is XX/XX/XXXX. During this time we faced a tragedy. My husbands father was kidnapped and XXXX   XXXX  going into XXXX. We had to fly to Texas which is where his mom and sisters live to help them through this difficult time. He was found one month later in the XXXX XXXX desert XXXX  and XXXX. Being the oldest we had to help his mom and sisters get through this tough time, helping them get back on their feet and paying for the funeral expenses as well as other miscellaneous things. Coming back home was tough, we came back to bills piling up. Trying to provide for our daughters while continuing daily life and catching u with everything else, to say it was difficult is an understatement. We had been trying to come up with the funds once the NOD was submitted but we found ourselves in a much deeper hole than we anticipated. During the time we were first trying to reinstate I was diagnosed with XXXX  XXXX XXXX. Our lives went from what we thought was tough to what we are faced with now. I am still currently undergoing treatment but despite that our goal was to reinstate our home, in case anything happened to me my daughters would at least have a roof over their heads. We set up a XXXX page where we were able to raise {$43000.00} and I was able to get a {$6000.00} loan from a relative. A few days before the sale I requested a reinstatement quote so that we could see how far off we were. They stated that they could not provide one because it was tooo close to the sale date. I continued to try to contact XXXX XXXX XXXX XXXX XXXX but they refused to speak to me. The day before the sale I contacted New American funding in hopes to postpone the sale as the funds from the XXXX page where not readily available in my bank account but would be within 14 Days. New American funding refused to postpone the sale. I once again asked for a reinstatement quote which they finally provided on XX/XX/XXXX at XXXX XXXX  the day before the sale. The day of the sale we were persistant in trying to postpone the sale, but even after showing them that the funds would be available soon they went forward with the sale. Today it has come to my attention that the 3rd party buyer was a company called Broker Solutions INC, well I looked them up and it just so happens that their DBA is New American Funding.our lender. That to me seems lik, e a conflict of interest and something that needs to be looked into. They sold it for exactly what was owed and now they can evict us and make a profit on it. 

Once again I would like to thank you for taking the time
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit agencies are listing Erroneous names/Addresses on my consumer credit report. XX/XX/2023, I disputed those inaccuracies but nothing has been changed. They are still listed.
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have had repeated, harassing phone calls on both my cell phone and home phone from a company called Rash Curtis whom I 've told repeatedly that I do not owe any debt to. 

They call from various numbers, but this one has surfaced several times : XXXX They have failed to provide me with any details whatsoever as to why they even think I owe them or any of their affiliates any money. They have never sent me anything in writing, despite numerous requests to help them sort this out. Because I have a fairly common name, I explained that they may have the wrong individual, but they consistently harass me at my home and via my cell phone. This scam company who is trying to get me to agree to wire them funds needs to be STOPPED!