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

This is my one of my numerous 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 XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following account be blocked and deleted from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). I am a victim of a data breach, and as a result, this account was opened without my authorization. 
Account Details : XXXX XXXX XXXX XXXX Account Number : XXXX ( last digits omitted for security ) Date Opened : XX/XX/year> Balance : {$1900.00}
Product: Credit reporting or other personal consumer reports

XX/XX/year> for XXXX $ I have made multiple attempts to resolve a dispute regarding my account, but despite my efforts, I have not received any assistance. I have reached out via phone, email, and formal disputes, yet the issue remains unresolved. Due to the lack of response, I was left with no choice but to file a police report and dispute the matter through the proper channels. However, this disputed account is still being reported on my credit file. 

I am requesting immediate action to remove this incorrect reporting from my account. Please provide a prompt resolution and confirm that the matter has been addressed. If further documentation is needed, kindly inform me as soon as possible. 

I appreciate your urgent attention to this matter and look forward to your prompt response. 

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

I contacted the 2 Credit Bureaus regaring inquirs that I did not recognize. I told the that these inquiries need to be removed from my credit file. I sent each an letter requesting these inquiries be removed from my file : XXXX : 1. XXXX XX/XX/XXXX 2.  XXXX  XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX   XX/XX/XXXX 4. XXXX XXXX XXXX  XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX Equifax 1.XXXX XXXX XXXX   XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX XXXX, XXXX 4. XXXX XXXX. XXXX, XXXX 5. XXXX XXXX XXXX XXXX, XXXX 6. XXXX XXXX XXXX, XXXX, XXXX 7. XXXX XXXX XXXX XXXX, XXXX 8. XXXX XXXX XXXX. XXXX, XXXX 9. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 1. XXXX XXXX XX/XX/XXXX. XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX, XXXX, XXXX 5. XXXX XXXX  XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XXXX, XXXX 10. XXXX XXXX XXXX, XXXX 11. XXXX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im stating that all 3 credit bureaus will not work with me : XXXX XXXX Equifax Victim of my full name complete address email addresses phone numbers passwords, ALL HAVE BEEN COMPROMISED and found on the DARK WEB
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been Paying on a car loan for the last year that XXXX XXXX XXXX has not right to collect on the dealer were a bought the car has not profected the lien in the car I also do not have tag or registration for tha car in addition the dealer had over advanced the loan to get me to buy they car buy cutting me a check back out of the loan proceeds with out Nissan knowing about it there is also Incorrect info on my credit app.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX. XXXX XXXX XXXX XXXX XXXX. 
Inquiry Date : XX/XX/2021 Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, SC XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MI XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/2021 Address : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. 
Inquiry Date : XX/XX/2021 Address : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, SC XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/2021 Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Address : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX I did not authorize these excessive inquiries to anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX XXXX XXXX  AND XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. ACCOUNTS LISTED ARE XXXX, XXXX, AND XXXX XXXX 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting or other personal consumer reports

The companies did not respond to any of the dispute letters. Nor did they provide any proof of me giving them permission to solicit my account information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is showing inquiries on my credit report which are fraudulent. the dates of inquiry are XX/XX/XXXX and XX/XX/XXXX.. i have reported this to XXXX  and ftc ... these inquiries need to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, I requested a free quote from XXXX for a personal loan. I provided my information. I was notified by TransUnion that XXXX had requested my credit report without my knowledge. I called into XXXX Customer Service and informed them to disregard my pending application and to remove the inquiry on my credit report since I did not approve this request. I was informed a soft check would be done before I accepted any offer, then a hard check would be done. I received a letter from XXXX calling me XXXX XXXX and that I accepted a hard check and submitted an application. I am not XXXX XXXX. XXXX has incorrectly pulled my credit file with another name from the information they received. Remove this inquiry from my credit report since I did not authorize this hard check. XXXX has failed to correct this error. This is a violation under the Fair Credit Reporting Act.
Product: Credit card or prepaid card

I opened a capital one savor card and they had an initial promotion of XXXX  month 0 % interests for all purchases. One their monthly statements under the fees and interest sections, it states the interest amount and shows the monthly balance. On my monthly statement, it showed my monthly carryover balance and the associated 0 % interest, however what it did not show was the time period in which the promotion interest will be ending. On all my other credit cards for other institutions XXXX XXXX XXXX XXXX XXXX XXXX  ) whenever there are promotion interest rates it will always state the time when the rates expire, very clearly on each monthly statement. For Capital One, they chose to be shady and secretive. When I questioned Capital One rep and their manager, it was stated that it was not secretive but it was stated in the original terms and conditions of the credit card when I originally received it 15 months ago. They said I should have read all the terms and conditions and expected to remember all the details. Then I ask if I could access my terms and conditions document online and download it online and the rep manager stated no. That it has to be sent by mail. I informed them this practice is quite predatory. Their marketing all states the 15 month 0 % interest but then they do not remind the consumer when exactly their 15 months is ending. Because I did not ever see an expiry date or notice that my promotional rate was expire, I assumed it would continue until notified. Capital One made no effort and hopes the customer will forget and likely will since the one place and time Capital One states it is in their terms and conditions during the original receipt of the credit card. Completely shady business practice. COMPLETELY!!!
Product: Debt collection

DEVILLE ASSET MANAGEMENT XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX is trying to collect a debt on behalf of XXXX. I do not owe this debt. They refuse to listen to me regarding this. The amount they say I owe is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX ; XXXX am writing you as an aggrieved man. I did not open an account with XXXX XXXX, nor did I know of and or consent to anyone opening an account up with them in my name. I know nothing about this fraudulent account. My identity was stolen, and several fraudulent accounts opened in my name.
Product: Credit card or prepaid card

I request a reconsideration and review of my Apple Card application by a human that was rejected by the automated system. 1. The missed payments were only from the coronavirus shutdown when I was forced off work which Im back working if you checked I havent missed any other payments, 2. The bank account closed is listed in error and was not mine my identity had been stolen. 3. You say my credit limit is too high but XXXX XXXX shows it at only 9 %.
Product: Debt collection

RE : MULLOOLY, JEFFREY, ROONEY & FLYNN LLPThis purported law firm claiming that I owe their client money is vague, deceptive, inaccurate, and fictitious. Not only do they not provide details, such as any hospitalization dates, reasons for service, or itemized billing, they also fail to provide my legal name, age, date of birth, as well as acknowledge my nearly 45 years of having full and complete medical coverage. 

Even though they have my address, they have me listed by a similar, but wrong name. I was never hospitalized recently by the hospital they claim. My health insurance is under my married name, which is entirely different from the similar maiden name they have listed that I have not used in years. Clearly this organization has the wrong XXXX XXXX but they 've got the right XXXX when it comes to fighting them. 

In regards to their specific " complaint '', labeled 1 to XXXX. ) They allegedly represent a hospital, XXXX that has never contacted me directly. 
2. ) I never transacted business with this organization. 
3. ) There was never an " agreement '' between me and the listed hospital, nor is there an exact agreement specified in the documentation. 
4. ) No conditions were performed by the hospital and, again, no agreement has been listed. 
5. ) I am not the person they list who " refused to perform '' at a hospital. I did not leave a balance due anywhere. Once again the " said agreement '' is not even listed, because it is a fictitious lie and scam. 

To make matters worse, I was alerted by my doormen for several days regarding a man " dressed like he was from the street '', coming to my home asking for me, claiming he " had something for me '' ( he finally ended up leaving paperwork ) trying to see me in person. Being a full time stay-at-home mother, this caused much alarm, and resulted in me pulling my son out of any summer activities, notifying the police, and overall fearing the safety and lives of myself and my family, all because of a direct attempt to harass and try and hustle money from the entirely wrong person. 

When you XXXX " Mullooly, Jeffrey, Rooney & Flynn, LLP '', the very first search engine results page reveals their information on a web site entitled XXXX, followed by a Harassment section dedicated entirely to them at XXXX, and an unsatisfactory business report via XXXX. 

Not only do I dispute this wrongful, libelous accusation, I will also be filing a complaint against this so-called law firm ( debt collector ) as well as the hospital listed, with : XXXX ( XXXX ) DCA ( Department of Consumer Affairs ) FTC ( Federal Trade Commission ) XXXX ( Inspector General 's Office ) AG ( New York Attorney General 's Office ) I will also plan to sue this so-called law firm ( debt collector ) as well as the hospital listed, for any and all possible legal fees incurred as well as punitive damages ( libel, harassment, stalking, causing me to fear for the safety of myself and my family, mistakenly threatening my good credit, wasting my time on frivolity, etc. ) all derived from a hospital bill that is clearly not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion with correct account balances for my auto account they still put back the incorrect information after showing proof of the situation was not 100 % accurate?
Product: Mortgage

Mortgage company is reporting 60-90 late payment on an account that is paid off
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized hard inquiries on my credit report, as indicated in the report recently provided by your agency. Upon careful review, I have identified these inquiries that were conducted without my explicit consent or knowledge. 

For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I submitted all documentation proving I am XXXX veteran and the loan servicer NELNET refuses to accept documentation from the VA claiming the information is not valid and demanding more documentation I send them the whole package and still have the nerve to tell me they wont process my discharge because of that.
Product: Credit reporting or other personal consumer reports

Chexsystems is unable to dispute an account with XXXXXXXX XXXX  I never did business with this bank or applied for it .. the account is closed and paid in full and I want this account to be disputed and have the negative status removed off my account I never lived at XXXX XXXX XXXX XXXX Texas XXXX and Im asking for this address to be removed.. 

Also XXXXm disputing two accounts with XXXX XXXX and XXXX XXXX XXXX as identity theft I send in. FTC report but Chexsystems refused to honor it.
Product: Debt collection

Requested validation of the debt National Credit Systems is reporting to my credit report but was never sent validation of the debt as entitled to me by the FCRA. Was told I had to complete a form and file a report with law enforcement. This company has been unable to provide any written agreement that includes my written signature and consent to access my credit report or private information in the first place. This company continues to post negative information to my XXXX report only. XXXX and XXXX have completed investigations on my behalf and confirmed this company is unable to validate the debt. National Credit System continues to report to my XXXX report regardless of my rights and requests for validation. 

Attached is a screenshot and pdf attachment that includes National Credit System 's latest response to me. Also attached the initial letter I sent to them detailing the inaccuracies and errors on my credit report. 

Please help to end these abusive practices and remove this account from my XXXX credit report immediately.
Product: Money transfer, virtual currency, or money service

I have spent over 40 hours in last 5 months in person and on the phone but still unable to locate my {$570.00}. 

XXXX has given me proof of payment, but the merchant bank claims that does not prove they received it. 

Amount : {$570.00} My bank : XXXX Merchant bank : Pacific Western Bank Date sent : XX/XX/2021 HOA : XXXX  at XXXXI 've sent an electronic bill payment online to my HOA and the it shows debit on my account and the HOA merchant bank claims they never received the funds
Product: Credit card or prepaid card

In XX/XX/2018, I started receiving prepaid credit card offers to my house from Capital One for a person who does not reside here. I contacted them on social media and told them how dangerous that was for this person 's identity. They instructed me to go to their website and opt out. 

I opted out twice. Once in XX/XX/2018 and again in XX/XX/2018 because these letters keep coming. I even called my attorney who said to file this complaint because talking to Capital One on multiple occasions has done nothing. 

As someone who has had their identity stolen before, I can not tell you how dangerous this is for the person receiving these offers to my house. I hope you can fine them or stop them cause they are an awful company with no regard for consumers.
Product: Credit reporting or other personal consumer reports

Subject : Final Notice Before Litigation Factual Dispute of Inaccurate Credit Reporting Dear Credit Bureau, This letter serves as FINAL NOTICE regarding the inaccurate and misleading information being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. Despite multiple disputes, you have continued to verify incorrect data without conducting a reasonable investigation, which is a clear violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  1. Incorrect Repossession Reporting My credit report reflects repossession beginning in XX/XX/year>, which the repossession was in XX/XX/year>. The account continues to report as though no adjustments have been made to reflect the actual disposition of the vehicle. If the repossession was completed, the balance should have been updated accordingly. 

The balance remains at {$22000.00}, which suggests the creditor failed to report the proper deficiency amount after the vehicle was auctioned or sold. And also the creditor failed to include the gap insurance which also doesnt reflect the accurate amount. This is a direct violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), which requires furnishers to report accurate and complete information.

2. Failure to Conduct a Reasonable Investigation Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus are required to conduct an actual investigation into disputed accounts. However, given that my previous disputes have returned verified without any substantive changes, it is evident that no real investigation was conducted. 

Both Experian and XXXX are currently being sued for failing to conduct proper reinvestigations, a practice known as sham investigations. If your agency does not correct this error, I will have no choice but to pursue legal remedies as well. 

Demand for Immediate Deletion Since the information reported on my credit file is inaccurate, incomplete, and unverifiable, I am demanding its immediate deletion under 15 U.S.C. 1681i ( a ) ( 5 ). If this account is not properly corrected or removed from my credit report within 7 days, I will proceed with the following actions : 1. Filing a complaint with Federal Trade Commission 2. Pursuing legal action against your agency for FCRA violations, seeking damages for negligent and willful noncompliance under 15 U.S.C. 1681n and 1681o. 

This is my final attempt to resolve this matter before initiating legal action and statutory damages. You are now on formal notice and should act accordingly. 

I expect a written response confirming the removal of this erroneous information within the timeframe outlined. 

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

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 personally-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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute was received by all three credit bureaus ( XXXX, Transunion, and XXXX  ) and I have got to hear a response after 30 days. The initial dispute was sent on XX/XX/2021.
Product: Debt collection

RMP LLC illegal reported on my credit report. They've violated me in so many ways and now they're hiding behind their fraudulent ways by not responding. Silence is an admission of guilt. They have yet to respond. I advice them to seek legal counsel if this matter continues and they don't pay invoice.