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

XXXX, XXXX  AND EQUIFAX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS/LOANS ON MY CREDIT PROFILE. BELOW ARE THE LIST OF THE FRAUDULENT ACCOUNTS : Fraudulent Accounts : XXXX XXXX XXXX : Account Number : XXXX  -- ->Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX -- -- >Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Account Number:XXXX -- -> Date Opened :XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : JXX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX  -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX XXXX   : Account Number : XXXX -- >Date Opened :XX/XX/XXXX XXXX XXXX XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX XXXX   XXXX XXXX : Account Number:XXXX  -- -> Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened :XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX Fraudulent Inquiries : XXXX  : Inquiry date : XX/XX/XXXX XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX XXXXXXXX, XXXX XXXX  : XX/XX/XXXX Fraudulent Collections : XXXX XXXX -- -- Opened XX/XX/XXXX XXXX XXXX XXXX -- -OpenedXX/XX/XXXX Fraudulent Address : XXXX XXXX XXXX XXXX   GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, AL XXXX
Product: Credit reporting or other personal consumer reports

I settled my account with XXXX XXXX and was told that the account would be accurately updated and that I would receive a XXXX Letter. I did receive the XXXX Letter but it was updated to credit as XXXX time payment {$100.00} and I SIF for {$500.00} but still showing as a charge off. Disputed it with all XXXX credit bureaus and was told upon completion of the investigation it was being reported accurately in which is false.
Product: Debt collection

On XXXX I was contacted at XXXX I missed the call and called back at XXXX. I was then told that they had an important business matter to discuss with me and they needed me to verify my address. I then told them I would n't give them any of my personal information, they called me and should have that information. They then continued to claim this matter is affect my credit, and if I do n't resolve it there would heavy consequences. This is odd, because I have been building my credit since my bankruptcy and have really been pushing to keep it clean. I then explained that I have no outstanding debts. I then told them I know what your doing ; I will not give any of my information to a thief that is planning on destroying my good name. I then auto rejected their number immediately. I then received XXXX more calls in the following XXXX weeks. I Called and reported this to the local sheriffs office in XXXX Utah on XXXX XXXX 2015. I gave him the number and the spill they told me. He said if anything comes up on my credit to then call him again, and he would give me a case number to fight the charges. I called XXXX XXXX XXXX 2015 at XXXX and told them I know what they are doing, I demanded that they remove my number from their call list. I also told them I reported them to the local sheriffs department and if any charges are placed on my credit by there company IC Systems. I would take action against. He claimed his company is n't fraudulent, and I confirmed that he understood what I said and that the harassing calls would stop he agreed. I then hung up.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accounts and inquiries listed on my consumer credit report, which I believe are the result of a data breach, fraud, or unauthorized activity. I request verifiable proof, including my signature or electronic signature, for any such actions. Please note that this letter is being sent directly by me, not a third party, and I ask that you review it accordingly. I did not authorize these actions, and they represent a violation of my consumer rights under the Fair Credit Reporting Act, specifically Section 605B ( Block of information due to Data Breach or Fraud ) [ 15 U.S.C. 1681c-2 ] and Section 604 ( Permissible purposes of consumer reports ) [ 15 U.S.C. 1681b ]. After contacting the involved companies, I have discovered that these actions were taken without proper validation or original proof from the reporting entities. As I did not authorize these accounts or inquiries, they are inaccurate and appear to be the result of a data breach or the unlawful reporting of my information by creditors or a third-party data provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a capitol one account that was closed on XXXX or 2019. It still comes up on my credit report and effected a home loan. I called XXXX  XXXX and they couldnt help me. They also said that they didnt even have a record of the account, when it is clearly on my credit report
Product: Debt collection

First, I got diagnosed with XXXX XXXX and had to stop working in XXXX. While living with my mother. I was making minimal payments on my cards. In XXXX my mother passed and the credit cards that we used and she was paying on I couldn't keep up with. She wasn't keeping up with the mortgage, so now after the house is sold i don't know where I am going to live
Product: Checking or savings account

I was involved in a cyber scam in which the scammers impersonated my boss and had me buy multiple XXXX gift cards on his behalf. They then said to forward pictures with the codes because he was in a meeting and needed them ASAP. I didn't question it because it was the holiday season and we're a XXXX XXXX XXXX who works with a lot of XXXX clients, so it wasn't outside of the realm of possibility. But in fact that wasn't my boss. This happened on XX/XX/year> and I filed a claim with XXXX the same day. Multiple agents told me since that day that I would be getting my money back and to remain patient ; however, the last person I spoke with told me that wouldn't be the case and that my claim was now closed. 

Also, these scammers reached out to me again today XX/XX/year> still impersonating my boss XXXX XXXX ; this time the # is XXXX. I've also filed a cyber attack report with the XXXX.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$350.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$76.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX A ) XXXX Balance : {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  DEPT OF ED/XXXX DPT ED/XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  DEPT OF ED/XXXX DPT ED/XXXX TransUnion LLC XXXX XXXX XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  DEPT OF ED/XXXX  DPT ED/XXXX
Product: Mortgage

Today XX/XX/XXXX I spoke to 3 different customer resolution reps and I customer service representative from Specialized Loan Servicing. I have tried several times to access my account online and even make payments of {$1000.00} which was my mortgage amount and listed on my statement and 4506T form and I've been blocked out of my account. Previously they said it was because I was behind in payments.Now they are saying its because I'm in bankruptcy. I asked them where was the paperwork from XXXX XXXX XXXX showing the details and terms of the transfer to SLS. No one was able to provide this information as I requested. I also requested the status of my modification request which they also denied sending me. SLS has continued to charge an astronomical escrow and tax amount to my account now totaling XXXX. I have to ask if they are in violation of Section 6 and10 of RESPA. When I was approved for a modification in XX/XX/2017 I was notified at the end of XXXX. I requested a forebearance until XX/XX/2017 because that's when I would begin receiving my retirement income. They insisted on continuing a late notice modification denying payments from there on out. I have appealed denial decisions and SLS still refused to allow me to bring my account current and my monthly income has been sufficient. They in turn increased my payment to {$1000.00}. I was also told previously that my payment was over {$1100.00} or so when upon the transfer from BOA.That is not true it was for {$1000.00}. I was also told by XXXX  XXXX XXXX that SLS brought the loan for {$160000.00}. Any terms they are collecting for I question because SLS knew I was in an underwater loan and continued to allowed me to fall behind in payments. The most recent time I called SLS today they took my number out of their system prompting me to reenter it. I have also asked them to supply me with the loan terms that are under XXXX XXXX and XXXX XXXX and all the representatives did was transfer me back and forth between departments barely answering my questions to provide prof they can legally collect money for a loan.
Product: Debt collection

In XXXX of 2021 I sent a communication to the 3 CRA as well as FFCC-XXXX  for verification as well as validation of the debt I do not believe was mine. I have sent 2 letters to FFCC-XXXX  and they have yet to send any information to say who they are, where they are from and where is the actual proof.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested, numerous times over the last 2 years, that inquiries be removed from my credit report. My bankruptcy was discharged in XX/XX/2019 and since then I have had less than 10 legitimate inquiries, however this credit bureau shows nearly 100. Every time I try and dispute them, and explain that my identity had been stolen many years ago ( I have an FTC identity theft report ), they continuously come back " inquiries are a factual matter of record ''. 
It may be true that these companies looked at my credit but I DID NOT authorize it. Now I am attempting to purchase a home and am being told my inquiries are in the way. If the credit bureau can not provide proof ( signed agreement ) that I consented to these inquiries over the last 2 years, I would like them removed.
Product: Credit reporting or other personal consumer reports

I am sending this follow up complaint to concerning my previous complaint that I sent dated XX/XX/XXXX, I want the XXXX and TransUnion to know that I am eager to see that the items listed below were DELETED in my next update within 15 days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} TRANSUNION : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX  Account Number : XXXX Delete this account. 
5. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 
7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 
8. 15 US-CODE 16921 XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX Balance : {$870.00} ; XXXX, XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; 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, TN XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX KY XXXX XX/XX/XXXX.
Product: Mortgage

My home is located in XXXX Tx, where two counties charge me taxes which equal to {$4800.00} for BOTH counties which are XXXX and XXXX counties. XXXX county sends out a bill that includes both counties on it. Guild mortgage believes for whatever reason that XXXX County is XXXX in taxes and XXXX County is XXXX. I've explained and submitted paperwork for over a month ago showing a breakdown since the house was built of how much taxes are. Guild Mortgage has increased my mortgage payment first from XXXX to XXXX and now they have raised it to XXXX ( all in one the span of a year since I just purchased my home in 2018 ) because they think that my taxes went up to XXXX. I've explained many times, shown proof that homes in this area ( streets ) are not XXXX. They want more paperwork when they should be the ones verifying how the taxes are broken down for this home. None of the neighbors that I've spoken to have had this issue with any of their mortgage companies and they too pay two different counties and get billed the same way. I've called at least ten times and spoken to many people, some who understand the issues and they refuse to transfer me to the tax department and just tell me to email them but I don't get a response other than an automated one.
Product: Checking or savings account

Since XX/XX/year>, there have been multiple unauthorized withdrawals from ATMs that I have not made and have no awareness of anyone else who could have. I had XXXX in XXXX and was not attentive to my finances until I was further into my recovery in XXXX. I contacted Chase Bank to alert them of the issue twice that day to make claims on the XXXX connected accounts ( a linked checking and savings ). They told me it would take 10 days for my claim to be reviewed. I kept waiting for a reply, but then received a denial in a letter regarding the claim I had made on my savings, and no response to my checking claim. No evidence that I had even made one. 

I called the police and made a report with the XXXX, and I went to the local branch near my home on XX/XX/XXXX to get assistance. The local Branch tried to help, but the claims department continued to deny my claims despite the local branch 's efforts. ( XXXX XXXX was the banker i met with ). 

I called back and had my claim reopened only to be denied again. I would like my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX DOE XXXX XXXX Balance : {$0.00} DOE XXXX XXXX Balance : {$0.00} DOE XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  GEORGIA XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX 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  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. 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 you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$370.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THER IS NO THIRD PARTY. MY PURPOSE OF THE COMPLAINT ISN'T TO GET THE ACCOUNTS VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THESE ALLEDGED ACCOUNTS WILL BE PERMANENTLY REMOVED FROM ALL CONSUMER REPORTS. I AM A CONSUMER AS IDENTIFIED IN FDCPA 15 USC 1692a ( 3 ) AND I HAVE A RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( a ) ( 4 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX and I went under a lemon law case for my XXXX XXXX XXXX for technical issues with vehicle, where my car was paid off and I recovered a check. But days after I settled this lemon law case with XXXX, they put a charge back on my credit report. I have all the proof of this and disputed it and nothing changed. This is so unprofessional of them and I wont stop until this is solved.