23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This my second complaint against Professional Placement Service in the last 14 days. The debt for {$670.00} owed to XXXX XXXX XXXX XXXX do not belong to me. This debt is the result of identity theft. I am a victim of identity theft. I have never opened an account with XXXX XXXX XXXX. This debt is currently on my XXXX, XXXX and XXXX credit report.
Product: Credit card or prepaid card

Mailed check to pay for one year membership in Sam 's Club on XX/XX/XXXX. 
Check was cashed and cleared bank on XX/XX/XXXX. 
Check was in the amount of {$100.00}. 
Credit card company says they didn't cash the check.

Provided front and back of canceled check and a copy of bank statement to the credit card company. 
Also, have filed complaint with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I kindly request that you block and delete this information from my credit report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Debt collection

XXXX has taken immediate negative action against me because I filed a borrowers defense loan forgiveness request : 1. Before I filed a borrowers defense loan forgiveness request ( case # XXXX ), I had a forbearance in effect with a payment start date of XXXXper letter dated XXXX. 2. On XXXX, I filed a borrower 's defense loan forgiveness with Federal Student Aid : an office of the U.S. Department of Education 3. On XXXX, I received two letters from XXXX dated the very same date of XXXX a. The first letter says, The U.S. Dept of Ed has notified us to process an administrative forbearance on your loans. b. The second letter said that there has been an adjustment of my forbearance and says, your forbearance period started XXXX and ends on XXXX. 4. Again, before I filed a borrowers defense loan forgiveness request, I had a forbearance in effect with a payment start date of XXXXper letter dated XXXX. 5. In sum and substance, after I filed a borrowers defense loan forgiveness request, XXXX changed my loan repayment date to 4 months earlier than when it was scheduled to move from forbearance to repayment. To be clear, I had an existing forbearance before I filed for Borrowers Defense and that forbearance was scheduled to end with a XXXX repayment start date. 6. In addition, late fees have also been applied to my account. 7. Note that this is not the first time that US DEPT OF ED followed my loan forgiveness request with prompt negative actions. The first time I filed a loan forgiveness directly with XXXX, two XXXX Police Department Squad cars came to my apartment to remove me based on a call that XXXX placed to the police department ; at least six police officers came into my apartment geared up to forcefully remove me all because I made a loan forgiveness request based on XXXX and provided XXXX with medical record ( To this day, I am traumatized by this event because a man in my area had a similar issue someone sent the police to his house to bring him to the XXXX ward and the police ended up XXXX  the man ). When I contacted US DEPT OF ED about this matter, a representative by the name of XXXX XXXX who represented that he was with investigations threatened me with arrest and he called me a XXXX XXXX. XXXX XXXX also stated that he was with investigations, and if I did not pay my loans, the police would return to arrest me. I have kept this experience privately and have been suffering inside because of it, but I hope that you can help me. 8. For various legitimate reasons, I have requested documents from US DEPT OF ED so that I can verify and calculate the purported student loans but US DEPT OF ED has not provided the requested
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am submitting this complaint without error or influence from any third party agency or credit repair clinic. I do not con- sent to these fraudulent accounts. According to the FCRA, ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer re- port under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
This is my final and last written instruction that I demand you remove the following unauthorized accounts & data immediately to prevent further legal proceedings : - XXXX XXXX account opened XX/XX/2019 account number : XXXX NO PERMISSIBLE PURPOSE ( 15 USC 1681B ) -I HAVE NO CONTRACT OR LEGAL AGREEMENT WITH THIS COMPANY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a whole bunch of inquiries on all 3 of my credit reports, and I do not know where they came from. I have contacted all 3 credit bureaus and a whole bunch of the companies, but no one will help me. I have XXXX kids and my oldest is XXXX and XXXX XXXXXXXX, this is really affecting my credit in a very bad way. And honestly it is affecting my life in a very negative way also!!! Please I need your help???? There is over 45 inquiries on each REPORT!!!
Product: Credit reporting or other personal consumer reports

FCRA Violation Incorrect : Requesting a credit report for an impermissible purpose XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am contacting your company due to an issues I have been unable to resolve with Discover Credit Card Customer service. I had a secured credit card in the amount of {$700.00} and I paid off and closed the account in XXXX of 2016. Since then there has been no activity on the account. I am expecting my full refund in the amount of {$700.00} and when I spoke to a representative at discover they advised me I would be getting my refund in the beginning of XXXX 2016. then I called again and now they are advising XXXX 2016. This is very frustrating because those monies are due back to me and it is causing a great financial hardship for me because discover is holding monies that are due to me. I feel it is unfair because I paid the card off in XXXX 2016. I am requesting assistance from your company that I receive my refund immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found two requests for a credit report from two different companies on my account. One which I don't recognize, and one from a bank I haven't used in over a decade.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account that appears to have been opened in my name without my authorization. I am a victim of **fraud** and believe that the account listed below was opened fraudulently. As such, I am requesting that you **close** the account and **remove it from my credit report**. 

Date Opened : XXXX Balance : {$8600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Failure to take action on the Identity Theft Block request. 


NOTIFICATION OF IDENTITY THEFT & REQUEST TO BLOCK INFORMATION RESULTING FROM IDENTITY THEFT Dear Credit Bureau, This is to inform you that I am a victim of identity theft and pursuant to FCRA Section 605B, 615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or address from appearing on a victims credit report. It will also make sure that these debts do not reappear on the credit report. Identity theft reports can prevent company from continuing to collect debts that results from identity theft. A copy of these sections is enclosed, and pursuant to FCRA 605B ( 15 U.S.C. & 1681c-2 ) Block of information Resulting from Identity Theft, except as otherwise provided in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, NOT LATER THAN 4 BUSINESS DAYS after the date of receipt by such agency of- 1. Appropriate proof of identity of the consumer ; Legible copies of Drivers License, Social Security Card, and Utility Bill are provided 2. A copy of an Identity theft report ; Copy of the police Identity Theft incident Report is provided. 
3. The identification of such information by the consumer ; and A list of accounts opened by identity theft FTC identity Theft Affidavit and complaints are provided. 
4. A statement by the consumer that the information is not information relating to any transaction by the consumer. An identity Theft Victims Statement is provided. 

I ask that you comply with Federal Laws in place, and swiftly and permanently block the accounts, address, inquires, and other information that you reporting listed on the Identity Theft Report List of Fraudulent Accounts pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) and mail me a new credit report to my address of record below. 

Thank you
Product: Debt collection

Not valid. I have asked them and written to them to cease and desist from any communication and or credit reporting and they have not. They are in violation of the FDCPA and demand that their negative credit reporting be removed
Product: Debt collection

On XX/XX/XXXX I sent a formal notice to Fair Collections & Outsourcing that the account # XXXX claim was being disputed. On XX/XX/XXXX XXXX i received back a letter of Verification of the debt and an invoice. Upon further investigation on XX/XX/XXXX, I retained new copies of my credit reports, and noticed that Fair Collection & Outsourcing did not furnish the credit bureaus with the required disclosure, within the period required by law. which they are required by federal law to place a notice of dispute on my account within 30 days of my dispute. This account is inaccurate and i want it to be deleted immediately.
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 : XX/XX/XXXXXXXX Account Number : XXXX Account Name : XX/XX/XXXXAccount Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name :XX/XX/XXXXAccount Number : XXXX Account Name :XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXXXXXX Account Number : XXXX Account Name : XXXX XX/XX/XXXXXXXX Account XXXX : 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: Money transfer, virtual currency, or money service

Chime bank has stolen over XXXX grand from me. Every time I dispute a transaction. They deny it and I have lost over XXXX XXXX dollars because of chime. I need my money back
Product: Money transfers

I 've had a Google Waller account for some time. Earlier today, I received an email that stated my account was put on hold due to suspicious transactions I had placed. After a long phone call, Google decided to close my account, which I believe is unjustified. All the transactions that took place were made by me ( and only me ) and I was n't given an opportunity to appeal the decision. As a XXXX service that I trust, I want my account reinstated after proving no transactions were unauthorized.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I filed a complaint with Venmo because my phone was compromised and my Venmo was as well, I disputed XXXX transactions. XXXX  days later my Venmo dispute was denied because it matched previous history but I told them my phone and cards were stolen along with my friends, they refuse to look into this, they are refusing to help and refusing to reopen the case. I am at risk of losing my house and my car because I can not afford to just lose XXXXXXXX XXXX like that out of thin air that were for bills and other payments that are due. I am asking for Venmo to look back into this and reimburse my money fully.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a third section 609 dispute letter to Experian on XXXX XXXX XXXX  for account XXXX XXXX XXXX. It's been over 30 days and the matter has not gotten resolved. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they " verified '' that this item was being " reported correctly ''. But they did not provide me a response within 30 days nor did that respond have any documentation that verifies the information. Credit company is not complying with their own policy in a timely manner. I'm attaching the letter that was mailed out to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion on several times telling them that someone has taken my personal information and has been attempting to open accounts for the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They keep transferring me and hanging up the phone this is so hard to attempt to get my credit report to show the correct information.
Product: Debt collection

A debt was sold to National Credit Systems and I received no information or signed anything that stated I agreed to pay them. The account was opened in XX/XX/XXXXXXXX  and just popped up on my credit report XX/XX/XXXX, there is no binding agreement from myself to the collection agency that I agreed to pay National Credit Systems. Also they have violated my rights by unlawful communication according to 15. U.S.C 1692C from the parties of National Credit Systems to XXXX. 

I have disputed the collection and requested proof, I have emails with me attempting to make contact every time I try to contact my representative XXXX XXXX XXXX via phone she is away from her office or on lunch. Thank you your assistance is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX : {$14000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXXXXXX XXXX Balance : {$390.00}
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX, XXXX - XXXX SERVICE XXXX, XXXX XXXXBANK XXXX, BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX CRED XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX and XXXX XXXX BANK XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following inaccurate information that appears in my credit report. These accounts are inaccurate and should be corrected or deleted. The errors which prompted this credit report dispute include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to Section 611 of the Fair Credit Reporting Act, I am requesting that you investigate those items indicated and promptly delete any inaccurate account from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from your investigation, I am requesting that an updated report be sent to me. Please investigate and update these items as soon as possible.
Product: Credit card or prepaid card

Signed up with XXXX XXXX  for a 50 % offer around XX/XX/XXXX2021. Price should have been {$29.00} but they charged me full price of {$59.00}. I disputed with XXXX  and they refused to help on email on XX/XX/XXXX21. I disputed the charge on my Apple Card which is handled by XXXX XXXX. They declined me on 4 separate occasions even though I have screen prints of the offer and provided to them on 3 separate occasions and I can provide to you if needed. 
Called in today XXXX/XXXX/21 at XXXXAM after being declined again and talked to a XXXX who refused to give last name and refused to close my account saying it must have a XXXX balance. Then requested to speak to a manager and XXXX gets on phone and also refuses to give a last name and finally agreed to close the account. 
I care about my credit score and I take it seriously. However, I refuse to pay {$30.00} for something I didnt agree to. In addition I have not used XXXX because I have been speeding the charges since XX/XX/XXXX.
Product: Debt collection

I have been disputing this alleged debt on my credit report multiple times. They have not provided any proof of the debt or a copy of the contract to determine the account is mine and reporting accurately. I do not agree with what they have reported and they won't respond to me. They have violated 15 USC 1692 FDCPA and 15 USC 1681 s-2 FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has used my information to apply for a card that I have no clue of who it is. I have reported this as identity theft. I have attached the document for your review. Please delete this information from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$95.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX  - Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$6500.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$810.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$470.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$1600.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX became our new lender after processing through XXXX  On XX/XX/XXXX ( we received XX/XX/XXXX ), we received a Goodbye Letter with XXXX  and XXXX XXXX XXXX sharing the letter head indicating that XXXX XXXX XXXX purchased our newly refinanced mortgage from XXXXe XXXX XXXX ( XXXX  ). XXXX, in the Goodbye Letter, did not accurate indicate our new mortgage account number and also inaccurately represented the due date of the new mortgage with our new mortgage company. I had to research the correct number with XXXX and ensure that our first payment with them was on time. 

During this process, XXXX XXXX XXXX AND XXXX XXXX XXXX BOTH reported an active mortgage to XXXX XXXX and TransUnion. We have ( my husband XXXX XXXX XXXX and I, XXXX XXXX XXXX XXXX, in effect, a gross discrepancy, an egregious financial reporting error, of {$220000.00} in a mortgage which no longer exists, and a monthly payment which no longer exists. 

XXXX XXXX XXXX closed on the sale of our mortgage FROM XXXX XXXX XXXX on XX/XX/2021. Today is XX/XX/2021. After filing disputes with all three credit reporting agencies, today we STILL have duplicate trade lines, and XXXX XXXX XXXX, after at least 5 emails and phone calls, HAS NOT CORRECTED the mistake. I'm a small business which needs a lines of credit and working capital. My credit rating plunged 100 points because of this error. It has partially but not wholly recovered. It was WELL OVER XXXX points ; it remains from XXXX to XXXX. Unacceptable.
Product: Mortgage

My mother died after contracting XXXX. Due to XXXX I was out of work at the time. I was unable to pay my rent and her back mortgage as well as her current mortgage payments. I reached out the mortgage company. They told me the house was already in foreclosure
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these ITEMS ( A ). It is not permitted to report these ITEMS as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and DELETION due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>