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

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 



CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove 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 few Personal credit card accounts and inquries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt, These companies XXXX XXXX XXXX XXXX XXXX, XXXX XXXX convergent outsourcing ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized hard inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only provide a credit report for permissible purposes explicitly authorized by the consumer. I have identified the following hard inquiries on my credit report that were made without my authorization : XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX  XXXX Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX The FCRA mandates that any entity accessing my credit file must have a legitimate and permissible purpose as outlined in 15 U.S.C. 1681b ( a ). If these inquiries were made without my express consent, they must be removed immediately. Recent case law reinforces my position : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX, XXXX ), confirms that credit reporting agencies must verify that entities pulling credit reports have permissible purposes. 
Pintos v. XXXX XXXX XXXX, 605 F.3d 665 ( 9th Cir. 2010 ), establishes that an inquiry made without a clear and lawful purpose is a violation of the FCRA. 
XXXX v. XXXX XXXX XXXX XXXX, XXXX89 F.3d 719 ( 7th Cir. 2004 ), highlights that consumer consent is a fundamental requirement before a hard inquiry can be lawfully conducted. 

Since I did not authorize these inquiries, they are in violation of the FCRA. I demand that these inquiries be removed from my credit report immediately. Additionally, I request written confirmation that these inquiries have been deleted. If you believe that these inquiries were permissible, provide me with documentation proving my direct consent for each inquiry. 

Enclosed are supporting documents to verify my identity and substantiate my dispute. If these inquiries are not removed within XXXX days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal action for FCRA violations. 

Please provide a written response confirming the removal of these inquiries at your earliest convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$570.00} ; XXXXXXXX XXXX  XXXX XXXX Owed : {$190.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} ; XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to all there bureau for over 60 days now no response back, I also written XXXX XXXX these agency are giving me the run around. In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681, section 6 o 2 stated I have the right to privacy,15 USC 1681 section 6 o 4 a section 2 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 plan as late for any purpose. 

On all three bureau they have reported late payments for car, and a credit card late payment. 

I also wanted to make a complaint regarding a bankruptcy that is begin reported by all three bureau 's and XXXX XXXX, I have requested documents to show proof of were they have received this information, I have contacted the bankruptcy, courts they stated they did not authorizes any reports, So all sent letters and called to have this information removed and show me proof of how they received it. 

I have advised each bureau and XXXX XXXX  I would be filing a complaint. I will give you 30 days to respond back to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXX this account was fraudulently opened in my name please delete it from my credit report
Product: Mortgage

Closed on a home on XXXX XXXX, 2016. Received a notice in the mail from USAA saying they " completed an analysis of your escrow account, and has adjusted your mortgage payment to reflect changes in your real estate taxes or property insurance. '' The difference in our monthly payment is {$240.00}. How can they raise our mortgage payment if we 've already closed and signed based on a completely different agreed upon payment? Why was n't an " analysis '' done before we closed?
Product: Vehicle loan or lease

I turned in my leased car in XX/XX/XXXX and I was on an automatic draft. Today on XX/XX/XXXX, I was charged $ XXXX   monthly payment despite having turned in my vehicle more than 40 days ago. 

This is unfair and an unfair and deceptive practice in Florida. Please demand that XXXX XXXX correct this issue for me and for all future account holders. Thank you.
Product: Debt collection

Recently obtained a new cell phone number for my daughter, a minor. Midland Credit keeps calling my daughter for a debt that we do not owe. Despite blocking Midland and despite informing the company that we do not owe the debt it is repeatedly calling about, Midland 's phone calls to my CHILD continue unabated. We recently got the new phone number and the debt was likely owed by a person who had the number before us. Yet, instead of pursuing the right person, Midland is pursuing a child!
Product: Credit reporting or other personal consumer reports

After a thorough review of my credit reports from all major credit bureaus, I have identified multiple inaccuracies that have adversely affected my ability to obtain credit. I am requesting a detailed review to ensure my credit profile complies with fair credit reporting laws. XXXX, Equifax, and XXXX have a duty to ensure that my credit reports are accurate.
Product: Mortgage

Due to an extreme hardship & divorce I fell behind with the mortgage. Caliber Home Loans who has just recently purchased my home from XXXX XXXX has a foreclosure and sale date of XXXX XXXX on my home even though I was working with their loss mitigation Dept to try to modify the payment they accelerated the foreclosure and I have n't even been given the chance to work out options with them. I have n't even been given options! I received the application & a letter of approval to submit a modification application from them dated XX/XX/XXXX then got a letter dated XX/XX/XXXX that my application was denied cause I did n't turn in documents. Really a day later. That seems deceptive & misleading if you ask me. And they are n't honoring the chance I was given to Try to modify before I got the accelerated foreclosure letter from attorney sent XX/XX/XXXX. I had already turned in an application because I did n't wait for the one dated XX/XX/XXXX to come in the mail, I printed one off their website. But now the sale date is so close & I am still trying to modify. It 's a race against the clock & see which comes first. But they are dragging their heels. I turned in all documents they requested. And everytime I call to make sure they got it I 'm told I need to send something else!! And it takes up to 5 days for them to upload it.
Product: Credit card or prepaid card

I have 2 CapitalOne Quicksilver Credit cards with an purchase APR of 22.99 % and a Cash Advance APR of 22.99 %. The Cash Advance includes direct fee at time of disbursal. The APR on a Cash Advance is also accrued daily versus the purchase APR which is done monthly. After paying the minimum amount due on the card, any monies in excess of that minimum should then be applied to the highest APR on the account. Again, in my case both are numerically the same. But the balance on the Cash Advance is charged direct fees to use plus the interest is accrued daily. If I made {$100.00} in purchases the same day I took out a cash advance of {$100.00}, by the end of the billing cycle if all was the same, the Cash Advance would have higher balance. The representatives at CapitalOne stated that only the actual numeric value of the APR matters, not anything else. This has allowed the bank to charge me much more money then if they had applied my payments correctly. Perhaps this is a direct tactic to get around the federal law in some sense. CapitalOne also bill the two balances on different dates as far as interest accrual.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, US Dept of Education Account # XXXX, US Dept of Education Account # XXXX, US Dept of Education Account # XXXX, US Dept of Education Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I was furloughed during the pandemic and applied for forbearance from my loan servicer in early 2020. I was not advised that I would be responsible for repaying the entire past-due amount after the forbearance period. I have contacted the servicer and requested options to repay the balance over time, I have offered some lump sum payments and have been denied without any resolution except selling my home or foreclosure. My loan is with a private lender which seems to have no intention of working with me. In my latest appeal, I offered to pay XXXX of the XXXX that of the forbearance amount. This offer was declined without any other offer to help us. This seems unfair and I know that government-backed loans are receiving better treatment. I am only asking for time for my income to return and to raise cash to pay this unexpected balloon payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX SERVICES ( Bank ) XX/XX/XXXX XXXX CARD SERVICES ( Bank ) XX/XX/XXXX These were hard inquiries I did not authroize. I have open XXXX  card. I have no XXXX  XXXX cards nor did I apply for any. 
XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX These inquires have been on my report for years. I have contacted to have removed nothing has come of it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account open on XX/XX/XXXX amount XXXXXXXX XXXX XXXX  open on XX/XX/XXXX amount XXXX I was in XXXX  when this was open
Product: Debt collection

I already filed complaint # XXXX but need to add also complaint that original debtor refused to work with me when I called them. They said they no longer had an account # or any information on me and the collection agency they turned my account over to would not work with me either. So apparently someone sold the debt to another agency and now my credit report shows I owe XXXX different agencies XXXX different amounts for the same original debt. I was never even contacted by the XXXX agency in any manner. I had to go online to look up their name and phone number. I need to get this off my credit report. It has destroyed my credit.
Product: Credit reporting or other personal consumer reports

In accordance below with the Fair Credit Report act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 609 of the Fair Credit Reporting Act ( FCRA ) a federal law that protects consumers from unfair credit and collection practices I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Zions Debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

Collection has been added as duplicate after this account with the original creditor was deemed unverifiable. The previous collector ( XXXX XXXX XXXX XXXX ) was removed from my XXXX and XXXX credit report for lack of verification on XX/XX/XXXX and just recently re-inserted on XX/XX/XXXX by Waypoint Resource Group/ XXXX for the same account.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : MIDLAND CREDIT MANAGEM 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 XXXXXXXX Dear MIDLAND CREDIT MANAGEM I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I do not think that the way Discover card is calculating and charging me interest is correct. At best, their monthly statements are misleading and do not give consumers a clear indication of how much they need to pay to be able to avoid interest fees. I have some 0 % interest balance transfers on the card, and then I also use it for regular purchases each month. Each month I pay as much or more than my purchase amount so that I can avoid interest charges and pay down the 0 % balance transfer. However, I keep getting hit with interest charges regardless of how much I pay. It's as if they're charging me interest for my purchases from the day that I make the purchase rather than giving me the standard 30 days to pay off the balance. 

I have called numerous times trying to seek clarity on this issue. Last month, I even called and asked directly " how much do I need to pay you this month so that I will not be assessed interest charges? '' I then sent in MORE than I was told to pay and yet was still assessed interest charges. 

No one at Discover that I have talked with has been able to adequately explain this to me. This month when I called and asked the same question as above, I was told " we're actually not supposed to tell you that amount over the phone. '' So I just want someone else to take a look to make sure that the way they're assessing me is legit and that this is being clearly communicated, because I am a college-educated, literate person and am still not able to figure this out. I am attaching my statements for the past year so that you can review them. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Money transfer, virtual currency, or money service

I am trying to link my account to the app XXXX. I am receiving a message an error message that says I am unable to do this due to a change PNC has made. When I called and asked for help the told me the issue was not on their end despite the message i received from XXXX.
Product: Credit reporting or other personal consumer reports

From XX/XX/24 to XX/XX/24 I have 7 inquiries on my credit report not made by me. They are with the companies XXXX XXXX XXXX, XXXX with XXXX XXXX XXXX XXXX XXXX Citi Bank, XXXX XXXX and XXXX XXXX. None of these were made by me.