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

I am writing to request the removal of unauthorized inquiries from my Transunion credit report. XX/XX/2023, I applied for an auto loan at dealership and was made aware of multiple inquiries on my credit report that I did not authorize. 

It is my understanding that FICO scoring models typically consider multiple inquiries for the same type of loan ( e.g., auto loans ) within a certain timeframe as a single inquiry. This practice is meant to accommodate rate shopping by consumers. As per XXXX 's policy, these inquiries should be grouped together and not negatively impact my credit score multiple times.I currently have XXXX and it looks like I keep trying to finance with multiple dealers The inquiries I am disputing are listed below : [ Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] I believe these multiple inquiries are related to my single application for an auto loan and should be treated as a single inquiry. I kindly request that you investigate this matter and remove the unauthorized inquiries from my credit report.-Thank you for your assistance.
Product: Debt collection

I have previously complained about XXXX XXXX XXXX and their client XXXX XXXX. Fortunately, XXXX XXXX XXXX  have removed from other bureaus except Experian. 

XXXXXXXX XXXX finally admitted to the XXXX ( see attachment ) on XX/XX/XXXX that the tenant XXXX XXXX ( XXXX ) vacated the premises on XX/XX/XXXX. Although they claim it was an eviction, it was an agreed upon move-out due to my notary public sign being a violation. I have the e-mail screenshot ( SEE ATTACHMENT ) of XXXX XXXX, the accountant for XXXX XXXX advising, " ... You have until this weekend [ XX/XX/XXXX, XX/XX/XXXX ] to vacate the premises. If you're not vacated, we will begin the EVICTION process on Monday [ XX/XX/XXXX ] ... '' Since I was moved out on XX/XX/XXXX PRIOR to the the weekend XX/XX/XXXX & XXXX, XXXX, there should not be ANY " EVICTION '' done and applied to my credit. 

I spoke to XXXX at XXXX XXXXXXXX XXXX and he did inform me my file was in archives and should arrive by Thursday of last week XX/XX/XXXX. 

XXXX also advised that Experian had not sent them any requests or communications since XX/XX/XXXX, which is really alarming to hear that Experian was NOT doing their part in protecting the consumer and attending to my concerns. 

Furthermore, it is saying last balance updated on XX/XX/XXXX which is absolutely reporting incorrectly because this balance of {$5800.00} has been the same over these last 5 years.
Product: Credit reporting or other personal consumer reports

Please delete these inaccurate addresses and names on my credit report fcra states anything inappropriate incomplete or unverifiable must be corrected and I also provided proof I should have only 1 address and name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX Atl Ga XXXX
Product: Debt collection

AWA Collections is reporting a collection of {$440.00} on my credit report with XXXX. I've made various attempts to distpute this debt that I'm not aware of, I've called them personally and ask them to provide valid proof or purchase agreement or anything with my signature due to the fact im a victim of fraud. Awa Collections never sent any proof within last 6 months. I've reached out to XXXX to dispute this collection and it comes back verified on their end even though I've asked both parties to provide the investigation and no one will provide any proof.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 604 Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) 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 7 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, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am not liable for this debt with PNC Card Services, they did not provide me with the original contract as I requested.This company has been reporting an inaccurate and unauthorized account on my personal credit report. The debt being reported is due to identity theft.
Product: Payday loan, title loan, or personal loan

I called the XXXX XXXX XXXX with another finance company on a 3 way call the week of XXXX XXXX. We asked for a payoff balance with a 7 day accumulation. I was given a balance of {$1100.00} which XXXX XXXX XXXX sent and XXXX on XXXX XXXX. The week of XXXX XXXX, I received a payment receipt stating that I had a remaining balance of {$560.00} and that the payment submitted did not pay off my account. I called and spoke with the branch manager of the XXXX XXXX location on XXXX XXXX at XXXX XXXX est. I explained the situation to her and she stated she has no record of anyone in the office giving me this information an does not know how we came up with that calculation to pay. She also proceeded to rudely explain to me how interest is accrued and stated that I should know the amount of my loan and what I 've paid thus far. I asked if she was going to investigate who gave me the mis-information and she stated she would " handle her business ''. I asked if there was a way I could file a complaint and she gave me the regional manager number XXXX XXXX and falsely told me that he was in XXXX. I spoke with XXXX XXXX at XXXX and explained the situation to him and he also stated the remaining balance and said if their was some kind of record of the call where I was giving the wrong pay off balance or notes he could reference maybe he could do something but until then there was n't anything he could do for me. I reached out to XXXX XXXX at XXXX XXXX XXXX to see if the call was recorded from when we received the pay off balance and it was not. He did state XXXX from XXXX called him and said that we were given the wrong pay off balance and that I still had a balance on the account. At that time XXXX XXXX explained to her there was nothing he could do about that. I called XXXX XXXX back and gave him this new information. He again stated there was n't anything he could do for me, and all I could do from here was file a complaint with their audit company.
Product: Debt collection

This Debt Collectors ( STATE HOME MORTGAGE ) Attorney XXXX & XXXX, went to the Courthouse Steps and Foreclosed upon property that they did not verify nor validate, and allowed, a third party purchaser to buy something that was Rescinded on XX/XX/XXXX, and they purportedly sold the property in XX/XX/XXXX. They did not have any standing to do that because the transaction was rescinded. They only ignored it and then the THIRD PARTY DEBT COLLECTOR ( STATE HOME MORTGAGE ), sent communication stating that the Property was paid for. The Attorney ( XXXX XXXX XXXX ) sent an acknowledgment, waiver and release agreement for {$22.00}, XXXX to release them from being responsible for their error. They should never had gone to the Courthouse Steps and become the beneficiary of my Estate ( XXXX XXXX XXXX XXXX ), I never gave them permission to do any of that.!!!!!!!
Product: Debt collection

My card was stolen I told XXXX  XXXX and the deleted it and then it was put back on by XXXX and now my credit is shot when I have been in contact with both companies
Product: Debt collection

I have received a letter from Diversified Consultants on XXXX/XXXX/2016. I responded to the letter on XXXX/XXXX/2016 with a delivery confirmation date of XXXX/XXXX/2016. I have sent the collection agency ( Diversified Consultants ) multiple letters via XXXX certified mail, stating that this was not a valid debt, and requested all information related to the alleged debt. But, I have not received any correspondence from them. Also the collection company is in direct violation of the FDCPA ; they have reported inaccurate and incomplete and non-validated information on my credit report to ( XXXX, XXXX, & XXXX ). Its very frustrating that someone can willfully ignore your request, and damage your credit.
Product: Credit reporting or other personal consumer reports

I have multiple fraudulent and inaccurate accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and some collection accounts with XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, that have been reported on my consumer credit file. These accounts are not mine, and I am not legally responsible for them. Despite my efforts to dispute the inaccuracies directly with the credit reporting agency, they failed to take the necessary steps to investigate or remove the information from my report. The presence of this fraudulent information has caused significant harm to my creditworthiness and financial situation. I request that this matter be investigated further and the inaccurate information be removed from my credit report as required by the Fair Credit Reporting Act ( FCRA ). These accounts are false and falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX, Equifax, XXXX.
Product: Mortgage

I recently asked a mortgage company ( regions mortgage loan XXXX ) for help because my income has been greatly reduced because of illness my wife ( XXXX XXXX ) I sent six documents, including Hardship Letter, paysub, House debt, Mortgage Assistant Application, Dr.certified Illes , Medical Bill, XXXX, ( XX/XX/XXXX ). 
But today they answerd as below Current. Modification Term. 360m. 480m Payment. {$2300.00}. {$1900.00}??? 
What is this?. 
reduce {$360.00} but 10years more pay!!! 
Is this customer assistance? 
What are they assistant? 
I do not understand Ps : I do not delinquent my mortgage but they said my mortgage is seriously delinquent? 
And threat me to foreclosure my house!!!
Product: Debt collection

Our previous apartment complex ( XXXX XXXX managed by XXXX and owned by XXXX ) charged us an additional cleaning and repair fee, claiming that there was drywall damage outside of regular wear and tear. We were in constant contact with them until they assigned us a " specialist '' from their accounts receivable department who sent us an email with the same statement they had originally sent, as well as a pdf document with pictures they had claimed were taken during our final inspection ( I was present during the inspection and no pictures were taken. ). The person that did the final inspection assured me that we should not be charged anything because the apartment was well cared for and clean. He did not see any damage beyond normal wear. The pictures on the file were just pictures, there were no notes as to what they were claiming were the issues. We disputed the email yet again, and asked for invoices to support the cleaning and repair charges. We had also stated that our deposit should be more than enough to cover the remaining utility bill. The specialist did not respond to us and did not inform us of anything. The company also did not contact us further after this so we considered the case closed. A few months ago, they had placed us in collections for the same things we were disputing, which we reported as fraudulent to the CFPB. The debt collection agency responded with invoices which we had never seen before. The invoices also did not have an invoice number, no transaction date, no contact information of the company issuing it, and no form of payment used, along with other things that made them look completely fake. The debt collection agency has been continuously contacting us since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EXPERIAN NEEDS AUTHORIZATION TO PROCEED, THEN I GRANT EXPERIAN MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. 
I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ) under the XXXX. I have filed an identity theft report pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ). Just an XXXX : I understand pursuant to XXXX XXXX XXXX ( XXXX ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to XXXX XXXXXXXX XXXX XXXXXXXX. Aggravated Identity theft carries a criminal liability of up to XXXX years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX XXXXXXXX XXXX XXXX
Product: Student loan

I applied for student loan forgiveness with the XXXX DOE on XX/XX/XXXX, for my many years of teaching with them. I received approval in XX/XX/XXXX. I immediately faxed the approved student loan forgiveness to Granite State Management & Resources, from XXXX XXXX XXXX, here in XXXX, NY where I live. I fax successfully went through and I received the ok, as I always do when I send a fax out from this library. 
Granite State Management & Resources, has told me over the phone that they have never received this information. It is on record with the XXXX DOE and apart of the fax system at XXXX XXXX XXXX, in XXXX, NY. 
I have also been on unemployment since XX/XX/XXXX. 
I have sent them documentation on several occasions proving my unemployment. Granite State Management & Resources, is also telling me that they have not received the information, even though I have an ok that that information was received through fax. I have recently e-mailed them proof of my unemployment. 
They continue to add on cost to my student loan, refusing to issue me my granted student loan forgiveness from the XXXX DOE. They have also ignored the fact that I have been on unemployment from XXXX and then again consistently since XX/XX/XXXX.
Product: Credit card or prepaid card

Someone opened a Pentagon Federal Credit Union Credit Card and Personal Loan in my name back in XX/XX/XXXX. I have contacted the credit union many times I have multiple police reports and FTC reports. 

XXXX has removed these 2 accounts but XXXX and XXXX have yet to
Product: Credit reporting, credit repair services, or other personal consumer reports

I talked to some from Source RM today XXXX he informed me that I would have to write a letter to XXXX if I want a copy of the contract with my signature that's on that contract the Original Creditor Acct # XXXX SRM Account # XXXX in the Amount of XXXX So I am asking them to provide the contract they sent me a payment opion plan with No contract
Product: Debt collection

i had a credit card through gander mountain i became delinquint when i lost my job i then had a XXXX and was hospitalised because the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX comenity bank demed my account uncollectable due to no job and not able to work XXXX XXXX  bought my debt for pennys and began sending mail but due to my situation deemed my debt uncollectable next thing i know they sold my debt to XXXX XXXXXXXX XXXX XXXX who is now threatening to secure my bank account and take what little money i make after returning to work after my XXXX and recovery given my condition i can not work the same positions as before therefore i make less money i am XXXX XXXX XXXX and will retire in 9 months if they take 25 % of my paycheck i will loose my home i had just started to recover from my financial delima when covid hit and i was thrown back into even more debt do these people have no compassion for human life I asked XXXX XXXX XXXXXXXX to send statements and proof that i owe then this money and they refuse to do so
Product: Debt collection

I do not owe this company. I have never received any notice from Carter- Young Inc , verifying that I owe them money. I 've never had any dealings with Carter-Young.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX  XXXX, XXXX   XXXX XXXX, XXXX  AND XXXX  XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX, XXXX AND XXXX  continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Product: Credit card or prepaid card

XXXX I loaded XXXX on an all access card and they're not letting me use it .. or activate it... They gave me a new account name and password to use now I can't use the XXXX bonus I was awarded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do all my banking with XXXX XXXX. I also have a car loan with XXXX XXXX XXXX. I was diagnosed with XXXX and XXXX XXXX  XXXX and had to recover in the hospital for over nine weeks. I also informed XXXX XXXX and wells fargo credit that I would have to make 3 small payments for only a period of four weeks. They approved this covid relief and granted the smaller payments. I recently discovered a decrease from XXXX to a XXXX in my credit report that was because of XXXX XXXX XXXX reporting a late payment. I am requesting that they promptly take this off my report and have talked to XXXX XXXX banking and they also agree to reach out. They have been kind enough to cover NSF and any related charges to help me through this crazy time. Please take this off my credit report so I can refinance my home at a good rate and keep my son and I in our home.
Product: Credit reporting or other personal consumer reports

SEE ATTACHED : VERIFCATION DOCS I am completely distraught about what has been happening to me over the last 120 days. Under the Fair Credit Reporting Act, I have a right as a consumer to fairness and accuracy of my personal information on my report. Not only have I not been able to access my credit file, but I also fear that my credit file containing my sensitive personal information is being misused without my consent. I have tirelessly contacted XXXX, XXXX, and Equifax about my inability to access my consumer report. This has led to denials for new bank accounts due to verification issues, and also denials of credit extension. After all my efforts, these consumer reporting agencies continue to willfully neglect helping me. I feel like I am being played around with. This is nothing short of negligent willful noncompliance. Please help regulate this matter. I am a business owner currently traveling and helping my clients and I am also a good consumer. I should not have suffer emotional and financial damages from this situation. Thank you for your time and help. I look forward to fast feedback and a quick and efficient solution.
Product: Debt collection

The alleged debt which was previously held by XXXX XXXX XXXX was sent to collections that negatively affected my credit score. The alleged collection was disputed and deleted off my account on XX/XX/XXXX. On XX/XX/XXXX a different company by the name of Enhanced Recovery Company has reentered the alleged debt into collections once again negatively affecting my score that was just fixed due to improper reporting of said debt the first time. I believe Enhanced Recovery Company Violated the law by not notifying me and reinserting debt into collections that wasn't valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

please check the following accounts on my credit report, they are not mine, they are without any authorization Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. 

2. Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. 

3. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX BANK Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX BANK Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.