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

To whom it may concern My name is XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 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 inquires be immediately deleted from the credit file that you maintain under my social security number. While checking my most recent credit report I noticed several credit inquiries that I did not authorize, made by the following companies listed below. I am writing to provide proof of me filing an FTC and a CFPB complaint in order to have all inquiries removed from my credit Report due to fraud. I have listed all accounts below. They were placed on my credit report starting dates on XX/XX/XXXX and XXXX, XXXX, with some duplicates on the same dates. I thank you in advance for your cooperation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX XXXX XXXX XXXX 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 XXXX and list of Inquiries 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

This debt was paid in full by my insurance company when XXXX XXXX billed them. During my office visit I was told that everything would be covered by my insurance and I would only be responsible for a copau, I paid {$130.00} in the office for copay and an arm brace, my insurance paid the rest. Months later the dr 's office sent a separate bill and billed me again for the same visit they were already paid for by insurance, I have only visited the dr. Once. I researched online and there are multiple complaints about XXXX XXXX getting paid by insurance and still billing his clients. This is fraud!
Product: Money transfer, virtual currency, or money service

I was using cash app and there were some transaction I didnt recognize and I called customer service but they never returned my money or was able to help me over the phone.
Product: Credit reporting or other personal consumer reports

I owe no debt, no performance, or obligation to MIDLAND CREDIT MANAGEMENT Pursuant to Title 18 Section 8 of the United States Code.

MIDLAND CREDIT MANAGEMENT is currently violating my consumer protected right to complete privacy
by reporting my Consumer transactions, or Consumer activities without my written consent pursuant to Title 15 Section 1681 ( B ) ( 4 ) of the United States Code.

MIDLAND CREDIT MANAGEMENT failed to produce requested documents demand. certified notice numbered : XXXX
Product: Mortgage

In XXXX XXXX XXXX XXXX began foreclosure proceedings on our home at XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX. We fought the foreclosure but lost and our home was scheduled to be sold at auction. We were contacted by XXXX XXXX XXXX before the sale and given the option to enter into a loan rehabilitation program that would allow us to keep our home and get out of foreclosure. The program was for the year XXXX and at the end of the year our original loan would be modified from XXXX to XXXX but the interest rate would remain at 9.99 %. We successfully completed the program and our loan was transferred to Nationstar. We have been making our mortgage payment on time for the last four years. We recently attempted to get a refinance on our home and were told that we did n't own it. County records showed that our home was actually sold at auction while we were in the rehab program. The deed to the property is not in our name but the mortgage note is. We were told by lawyers that we are essentially renting our home and could legally be evicted at any time and still be held responsible for the mortgage note. We contacted Nationstar to attempt a resolution to this issue and were told the best they could do was put the deed back ion our names after we had finished paying off the note. The lawyers told us the best solution would be to file a complaint with the state and the state referred us to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has updated that this XXXX account is paid a settled. Whereas XXXX  and Experian has not updated the account as a paid and settled charge off with XXXX balance. Its an XXXX account store card account number is XXXX. Need XXXX and Experian to update comments as paid charge off settled account as XXXX  did
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report. Thank you. 
XXXX XXXX XXXX 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
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. 

Account name-DEPT OF EDXXXX XXXX XXXX,, has violated my rights. 

Account nameXXXX 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 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: Student loan

DEPT OF ED/NAVIENT ACCOUNT STATES THAT IT WAS CLOSED BECAUSE IT WAS TRANSFERRED TO ANOTHER OFFICE. THIS ACCOUNT HAS BEEN PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT HISTORY AS A DELIQUENT ACCOUNT. I AM UNABLE TO ESTABLISH CERTAIN CRITERIA BECAUSE OF IT.
Product: Debt collection

On XX/XX/XXXX I received a collection notice dated XX/XX/XXXX referenced by Account # XXXX from Transworld Systems Inc. XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX, PA XXXX. In their collection notice they stated the following. " A credit reporting agency has indicated that an inquiry has been made on your credit report. We hope that you are now in a better position to pay the above account ( s ). '' This company is attempting to collect the sum of {$340.00} that they allege I owe to XXXXXXXX XXXX XXXX. I had an account with the aforementioned security service that I cancelled in XXXX because of the financial difficulties. I filed Chapter XXXX Bankruptcy on XX/XX/XXXX and was granted a Discharge of Debtor on XX/XX/XXXX, Northern District of Texas Case No : XXXX. XXXX XXXX XXXX was one of creditors that I listed in my filing. Transworld System Inc. attempt to collect {$340.00} is not made in good faith and they are in violation of the relief I was granted.
Product: Credit reporting or other personal consumer reports

You are violating my consumer rights ... ..I cant acccess my file.. 

Theres still a fraud alert on my file and I cant access my score. Its giving me an error. All of my personal information is correct!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoke to Experian, XXXX and XXXX and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. I work extremely hard and in need of a new vehicle to get to and from work. This is really impacting my credit score and personal life.
Product: Debt collection

I was working with a collection agency on a debt of {$2800.00}. I offered a settlement to be paid of {$1800.00}. They submitted the offer and it was declined. During this time, I received a bill of {$2000.00} for a lawyer and found out that my position at work would be decreased. I said that I could offer {$50.00} a month and it would have to be dragged out. The debt collector told me that I originally made an agreement for {$150.00} a month and if I didn't pay it, he would start a legal process on me. He told me if I could afford a {$1800.00} lump payment, I could afford {$50.00} a month. I let him know that I just received a lawyer bill for a divorce and he told me that he didn't care and it was a personal matter. I told him that this personal matter is now affecting my financial situation. Once again he threatened to take legal action and then when I asked for a copy of my signed agreement ( there isn't one ), he told me he was taking legal action. 

Also, I have asked for a written statement so I know who I am paying, and they have refused. How sad that a woman who is going through a divorce with a husband who is an XXXX, had to sell her house because she almost went bankrupt, and is in the middle of a terrible divorce would receive such terrible treatment. Other debt collectors have been great in helping and understanding my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Got email from XXXX XXXX that an application for a credit card was submitted on XX/XX/2023. Multiple emails alerts were also received from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX about a new inquiry/credit card application. 

Soon, someone contacted me from XXXX and went through the whole nine yards asking questions and validating information etc. Then they hung up saying that they will investigate and close the account/application that was not opened/submitted by me. 

In the afternoon of the same day, another person from the same institution XXXX called and once again verified and validated a sequence of information and once again they confirmed that the fraudulent application was submitted and they will deny the same.
Product: Checking or savings account

I made a deposit at a PNC ATM. The machine took and counted my money, then canceled the transaction and then the machine malfunctioned and kept the money. This was on XX/XX/XXXX and I have yet to receive my funds.
Product: Payday loan, title loan, or personal loan

I XXXX XXXX DIDNT EVEN APPLY FOR A LOAN SOMEONE ELSE DID AND THIS IS NOT MINE. I HAVE TRIED TO CONTACT THEM EVEN DID A CREDIT DISPUTE AND THEY HAVE NOT EVEN VERIFIED THE ACCOUNT OR SENT ME ANYTHING LIKE I REQUESTED FOR THEM TO DO. I DONT KNOW WHO DID IT BUT ITS NO MINE AND I WOULD LIKE IT TO BE REMOVED FROM MY ACCOUNT IMMEDIATELY. 

THANKS XXXX XXXX
Product: Credit reporting or other personal consumer reports

I notice there is an incorrect data on my credit profile. As such, it is a very serious error in reporting. I reached out to all three credit bureaus XXXX, XXXX, and Equifax to dispute erroneous reports provided by XXXX XXXX XXXX XXXX. All 3 returned as validated but provide no evidence after a re-investigation. 

This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to validate this information Therefore, I need the following information from you : The amount you claim the Principal owes you. 
IRS Documents such as XXXX, XXXX and any other IRS forms filled out on my behalf without my knowledge. 
Full accounting ledger. 
All legal documents. 
An explanation showing me how you have computed the amount. 
Copies of any documents that prove I agreed to pay the alleged amount. 
The identity of the original creditor. 
Confirmation that the account has not crossed the statute of limitation ( SOL ) period. 
Evidence that you are a licensed debt collector. 
An invoice of the products/services ordered. 
Dates of products/services being rendered. 
The address the products/services were rendered to. 
My signature showing that these products/services were authorized by me My signature showing some kind of authorized payment schedule If you can not show me all of the above information as requested, then please remove this item from my credit report immediately. As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, you are required to provide this information within 30 days upon request or release the invalidated debt information from my credit report. 


XXXX XXXX XXXX XXXX  contains the following errors and more on these respective CRA report. 

XXXX : report shows charge off XX/XX/XXXX but continued late payments following. Reports list account as joint. Other missing and incomplete data. 

Equifax : shows incomplete data dating back to XXXX. Term duration listed as 9 months. Other missing data XXXX shows history to XXXX. XXXX XXXX account as joint with XXXX XXXX. Account charged off. {$17000.00} written off. {$26000.00}. Other missing or innaccurate data. XXXX claims to have reinvestigate, but no other documentation or information was ever produced. 

Additionally, I DO NOT consent to any automated scan response or e- Oscar verification methods. 

I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to : XXXX XXXX XXXX. XXXX, XXXX XXXX According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.
Product: Credit card or prepaid card

On XX/XX/23 I proceeded to Lowes in XXXX California. I informed the cashier that I did not have the physical card with me and if she would be kind enough to look up my account in her system. I handed her my identification and I told her I was in the service. She proceeded to tell me she found my account info. However, the credit card company decided to decline my purchase and lock up my card. It was less than {$300.00}. I called the company and asked them why they had not honor my purchase and they said it was because they couldn't verify my identity. The nightmare begun soon after. I get this very sketchy text message purportedly from Synchrony telling me to click on this tiny url. The instructions called for me to upload a copy of both front and back ( barcode of license ) of my drivers license. It had me do it multiple times because supposedly it couldn't capture good images. Next it wanted me to move my head up and down in the form of a video similar to what you do for your XXXX  XXXX. It scared me to death. After that, I was to call the number at the end of the completion process after a code had been generated. So I called the number and spoke to a person with XXXX accent and gave her my code. The code never worked and now my account has the following message : " Your attention is required. 
There is an issue with your account. Please contact customer service at XXXX. '' I called the number and they said I should try the process again, I did and now I get a message saying someone has completed the process or someone is trying to impersonate me. Synchrony also informed me if it doesnt work I should mail them documentation. I don't trust the verification process through the phone how am I supposed to trust them via post office
Product: Debt collection

I am writing to dispute information on my credit report that was reported without my written consent, in violation of 15 USC 1681. According to the Fair Credit Reporting Act ( FCRA ), creditors and credit bureaus must obtain written consent before furnishing or obtaining consumer information. 

Upon reviewing my credit report from XXXX, I discovered CB/VICSCRT XXXX, Date opened XX/XX/2017, Status Paid or paying as agreed, Account status - CLOSED were reported without my written consent. I hereby request that this information be investigated and, if found to be reported without proper consent, be promptly removed from my credit report.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Consumer Financial Protection Bureau Subject : Formal Complaint - Account Closure without Explanation Dear Consumer Financial Protection Bureau , I hope this letter finds you in good health. I am writing to bring to your attention a matter of great concern regarding the recent actions of Chase Bank, which has left me in a state of distress and uncertainty. My name is XXXX XXXX, and I have been a loyal Chase customer for over two decades. 
On XX/XX/2024, I received a letter from Chase notifying me of the closure of all my bank accounts without providing any specific reason for this decision. In an attempt to seek clarification and resolve this matter, I personally visited the XXXX Chase bank branch and engaged with customer services representatives. Unfortunately, I did not receive any satisfactory answers or information explaining the grounds for the closure of my accounts. 

As a devoted customer for more than 20 years, I find the lack of transparency and communication regarding the closure of my accounts to be highly unethical. The sudden and unexplained termination of my banking relationship with Chase has created significant challenges for me, both emotionally and practically. 
I believe that, as a consumer, I have the right to know the reasons behind the closure of my accounts. The absence of any explicit information from Chase has left me in a difficult position, making it extremely challenging for me to transition my banking affairs smoothly to another institution. 

I am submitting this formal complaint to request your intervention and assistance in resolving this matter. I kindly ask for a thorough investigation into the circumstances surrounding the closure of my accounts and, if possible, for your support in obtaining the necessary information from Chase. 

I appreciate your attention to this serious issue and kindly request that you contact me at XXXX consumer XXXX discuss this matter further. Your assistance in resolving this complaint is crucial in restoring my confidence as a consumer and in upholding the principles of fairness and transparency in the financial services industry. 

Thank you for your prompt attention to this matter, and I look forward to your assistance in resolving this issue. 

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

The FCRA applies only to the 3 main credit reporting bureaus -- XXXX, XXXX, and TransUnion. ... XXXX, XXXX, and TransUnion are legally obligated to provide identical information Upon review of my transunion and XXXX  report it states under Account summary : account ever late 3. That information is inaccurate. Looking at the report in the detailed view there is only 2 late payments.

Per transuion report the payment history is unknown for XXXX XXXX. So there should not be 3 accounts late when XXXX XXXX payments are not able to be verified.

Per further investigation I am requesting that information being reported by XXXX XXXX be verified based upon accuracy. Tranuion is showing no payment data. XXXX  is showing 17 late payments reported by XXXX XXXX. XXXX  is showing 16 late payments being reported by XXXX XXXX.

XXXX  is showing 2 accounts ever late. XXXX  is showing 3 accounts late as well as transunion. But under XXXX  and transuion only 2 accounts are displayed I do not see a 3rf account in the detailed view.

I have submitted disputes about accuracy and I am not able to get anywhere. XXXX I do not see where the fairness lies per FCRA.
Product: Credit reporting or other personal consumer reports

I have attached my FTC report via XXXX  file concerning these fraudulent accounts. Im resubmitting because I forgot to attach My ID and social security card