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

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Debt collection

On XX/XX/21 I received an alert from XXXX that there was a collection account added to my credit report. Paramount Receovery Systems is the collection agency. The company that I supposedly owe the {$1700.00} to is XXXX XXXX XXXX XXXX XXXX County which I never heard of until this morning. I XXXX XXXX XXXX XXXX and they are permanently closed. So I looked at the reviews on the XXXX XXXX XXXX and everyone of the reviews was a complaint about fraudulent collections and identy theft. 

I proceeded to call Paramount the collection agency to inform them this is a fraudulent collection claim against me. The first rep I spoke with was understanding. After being put on hold another female rep come on the phone. I explained I have no idea what this is. I have never been to an urgent care med center and I have the same family doctor for over 20 years. That female rep had the audacity to ask if I can prove account is fraudulent. I explained to her all the complaints of fraudulent collections from XXXX XXXX XXXX and her response was we don't verify that information. What??? After that back and forth she finally said we will enter a dispute. Bottom line this is a fraudulent collectiosn claim which is now on my credit report. I have already filed a dispute with XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I contacted XXXX and Equifax to remove the free trial they wouldn't do it, told me if I didn't pay the XXXX my credit file will remain closed and locked, if this is legal tell me how to go about moving to another country cause this by far is against the law
Product: Credit reporting

I sent an Affidavit of Identity Theft to Trans Union and it was received by Trans Union on XXXX/XXXX/2015. After the agency received documentation, I never received an investigation status or result. Additionally, Trans Union did not respond to the request but XXXX and XXXX did.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRY : XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX DEAR XXXX XXXX, XXXX XXXX XXXX XXXX have written this letter to dispute a claim that is falsely listed on my consumer report with your company. the amount ( s ) owed are no longer outstanding for the following item : Party Owed : XXXX XXXX XXXX AMOUNT : {$940.00} ACCT # XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF A WRITTEN AGREEMENT BETWEEN MYSELF AND SUNRISE CREDIT SERVICES. SOMEONE USED MY INFORMATION FOR THEIR PERSONAL GAIN. THIS ACCOUNT IS FRAUDULENT AND I AM REQUESTING THIS ACCOUNT BE DELETED FROM MY CREDIT FILE IMMEDIATELY. 
This is my official request to have the aforementioned item to be deleted from my consumer report. Enclosed may be additional evidence to support my claim. 

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

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX  - BALANCE {$2300.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX BALANCE {$1600.00} - DATE OPENED XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXXXXXX Balanced {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit card

I have had my Bank of America credit card for XXXX  years and today I tried to use it and its showing closed! I have not been notified of this card closure as it will impact my credit. I am XXXX and this is the only credit card I have. They have taken this retaliatory action because I filed a federal case against them! I have been paying as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I'm sending this request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) credit bureau are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

On  XXXX / XXXX /  XXXX   I was on the phone wi th Wells Fargo for ove r an hour ; no one has the " power '' to fix the issue. Got the furthest with  XXXX   XXXX  who said no one could refund more than one late fee and he was the highest person I could speak with.     To summarize the issue, on  XXXX / XXXX /  XXXX   I logged into  Wells Fargo Dealer Serv ices website to catch the auto loan up. At this time it said the balance due was {$250.00} on  XXXX / XXXX /  XXXX  , I made this payment at that moment, and scheduled automatic payments starting on  XXXX / XXXX /  XXXX  . Unfortunately, the amount due was not actually {$250.00} and an additional {$240.00} was due. I understand that at this time, but the website to this day displays incorrect information indicating that the loan is not behind a payment.
Product: Mortgage

My home was appraised on XX/XX/2021. Freedom Mortgage has stopped responding to me and has not given me a copy of my appraisal. I've called and emailed with no response. My primary issue is I need the appraisal so I can work with a different company and I shouldn't have to pay for another appraisal. I was supposed to close on my loan today ( XX/XX/XXXX ) but my file is reportedly still in underwriting. It's been one issue after another with this company. I started the process on XX/XX/XXXX. I can't get any response on any topic from the loan officer or the customer service advocate. I have no idea when I might have a closing date. This is hands down the very worst experience I've ever had with any company.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts that do not belong to me, and or are in clear violation of the fair credit reporting act. Reason : Date of Last Activity are different between bureaus ; 040 Account involved in litigation. 
105 Disputes Dates of Last Payment/Opened/ of First Delinquency/Billing/Closed. 
106 Disputes present/previous Account Status/Payment History Profile/Payment. 

I have been doing extensive research on the FCRA laws and clearly these three creditors are in violation of these laws. I kindly ask that you remove them from my credit profile, as these companies are at risk of me filing for civil actions in court. Please remove them immediately.
Product: Payday loan, title loan, or personal loan

I had gotten sick from XXXX which lead to me being out of work, i missed a payment with this company one time after several other positive encounters and payment history. I wasnt aware of the missed payments because I was sick and incapacitated to the point where I couldnt see for myself and it is being held against me although the account is paid in full.
Product: Credit reporting or other personal consumer reports

I a consumer have been a victim of identity theft. Due to this fact my consumer report has been unjustly damaged and my consumer report is now inequitable. Furthermore XXXX XXXX XXXX Definitions states Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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, not later than XXXX XXXX  days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX and TRANSUNION do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, TRANSUNION, ( XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. I have also included and identity theft report with this complaint in the attachments below
Product: Credit reporting or other personal consumer reports

I paid my car bill on time in XX/XX/year> as usual, but most likely due to the XXXX holidays, my payment was delayed by 30 days. I just saw this now. I aiways pay my bills to avoid issues with my credit history
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a medical collection with XXXX that was reporting on XXXX  and Equifax and requested validation under the guidelines set forth by the FDCPA, Texas Finance Code and HIPAA. XXXX responded but did not send any documentation to support their claim that I owe the amount reported. A demand for removal was sent to XXXX and they received it on XX/XX/2021. However, instead of removing it as they should have per federal and state law, they opted to report the disputed account to XXXX. This act has severely damaged my credit reporting and is concerning since each account newly reported was in dispute. I have attached documentation to show that the dispute had not been resolved and this act may have possibly violated several consumer protection laws.
Product: Money transfer, virtual currency, or money service

hello my name is XXXX. This is about my account I had with venmo. in XXXX, I last sent money to a friend of mine. After that venmo froze my account with my {$200.00} and requesting my ID. I told them at the time I didn't feel comfortable, and questioned why they froze my account. They kept saying the same thing to send my ID before unfreezing my account. Really impersonal. ive had issues with my ID and the internet and the past, and I felt unsure about sending my ID over to these random virtual agenrs, with their prerecorded messages requesting my ID. after about a week or so, I desperately need the rest of my money so I asked if I could close my account and just get my money out. They denied me. So finally I sent my ID as requested. I didn't hear from them for a few days, so I went on the live chat to see if I could send it over to them and they could possibl just accept my ID and unfreeze my funds. After talking online to their live chat they informed me that I need a different department for that and if I send my ID in chat they would forward it and make sure they receive my ID at the appropriate dept. I waited a few days and FINALLY I got a response. NOW they wanted me to verifymy debit cards by sending my transactions from 2 of my debit cards and one of a debit card that wasn't even mine??? First of a of all, they said my account would be unfroze as soon as I sent my ID. they repeatedly asked me for it, so when I finally sent it they didn't even acknowledge it and wanted me to send more personal data! I don't know what they are doing with my ID but after questing why I needed to send more data, they permenatley terminated my account and kept my {$200.00}! They said any decision they made was finally and not done lightly and they are going to keep my money for XXXX $ days in which they'll possibly reach out to me to return! And any email I reply after will be ignored and deleted! They STOLE my ID and stole my money! My account is not part of any money laundering or fraud that was my money! I can't reach anyone at Venmo and I'm really upset! Please help me venmo is stealing my money!!! if you can help i would most appreciate I got scammed! Thank you My name is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX CA Venmo acct XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX Opened Date XX/XX/2015 Balance {$23000.00}.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Debt collection

I received a phone call on XX/XX/17 at XXXX XXXX  EST from XXXX. The person identified themselves as XXXX and they were calling from IQ Data International. XXXX did not read me my Miranda Rights nor inform me the call was being records so I was oblivious to the nature of the call. When I began questioning what the call was in regards to, XXXX was short with me, cut me off, spoke over me and had a hard time answering simple questions. Again, had my Miranda Rights been read, I would've believed the validity of the call and understood it was a collection 's call. When I began explaining I needed to first verify his claims, XXXX was aggressive and engaged in predatory collection 's tactics. In an attempt to convince me he was legitimate, he read aloud the last 4 numbers of my SSN - anyone sitting near him could've heard this information. When I later called back the company, the agent who answered refused to transfer me to a XXXX and would only connect me with XXXX, despite my explicit request to speak to anyone besides XXXX. This company has representatives actively engaging in predatory collection tactics, but who are also unable to remember something as simple as reading Miranda Rights and informing a VA caller that they are on a recorded line.
Product: Mortgage

Contact with XXXX and Ocwen and Prior home owner. Paid over 30,000.00 into home tried continiously to contact for information and payments no call back and would not connect me to agent. I finally got through right before they noticed of foreclosure stated there was a bankruptcy, there was not! Tried assumming loan they said to late this was before foreclosure. Called constantly and passed back and forth between XXXX and ocwen then directed to XXXX no listing ... Received harrassment XXXX XXXX to vacate my money is gone me and my childrens things are in our home. Prior owner came and his family becoming violent and destructive to property. I have my agreement signed I have tried even to just forget the previous XXXX as a loss to not have to loose the home for my family previous owners no longer wanted and scammed along with the banks to take our money. As a single mom I have little and losing more is devasting and then through in the abuse to me and my children. What bank does not want money? Its odd to me that I can not even refinance with the bank since the for sale ny owner was a scam. Did they scam me too? No one will answer, I have emailed, called and still no one has an answer .... homeless with a home ... how is this possible?