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

XXXX XXXX XXXX placed hard/visible inquiries on my LexisNexis report XXXX times for the permissible purpose of " collections. '' I have never had any past due bills with XXXX nor have I ever been in collections. Some of these inquiries occurred after I had closed and paid in full all accounts with the company, so there was definitely no permissible use. 

I recently applied for auto insurance and received very high quotes. I received an adverse action letter from at least one insurance company ( XXXX XXXX and XXXX XXXX ) advising that I was quoted a higher premium due to my LexisNexis consumer report. One of the reason codes provided was " Number of Inquiries for Transactions Initiated by Consumer in Last 6 Months. '' All of the visible inquiries in the last 6 months are from XXXX. 

Therefore, I believe that the unauthorized use of my consumer report caused me to pay a higher price for insurance. Furthermore, obtaining my consumer report after all business was closed and paid in full violated my privacy rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently submitted disputes about accounts that i have discovered on my report due to identity theft. some accounts are removed and some are not. On XXXX XXXX I submitted refusal to pay letters via the website due to the results coming back verified from the previous dispute I provided on XX/XX/2023 to this company and the creditors asking them to verify and validate this debt but I have not received a response from them. Now this company says that they can not block the information that I requested because they don't have my identity theft report, a copy of my ID, my name, social, address even though I have submitted this info several times over the course of this last year. I personally sent this information by certified mail.
Product: Money transfer, virtual currency, or money service

On XX/X/2017, I wired {$5000.00} from my bank to Coinbase/XXXX to have the money credited to my account. As of today, the money has still not been posted and the company has been non-responsive after multiple attempts. 

The XXXX for the wire transfer is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax on XX/XX/2022, because of inaccurate items on my credit report. I informed them that I want them to investigate and delete all of the inaccurate information. Not only did they not respond, but they did not update me on the investigation results or the status of my report being in dispute. I have sent them a damand to comply as it is federal law that they inform me of the results of the investigation, to document that the accounts are in dispute and to delete the items if nothing has been verified or validated in 30 days. It has now been over 120 days.
Product: Debt collection

I am not liable with this debt wiith XXXX, I do not have a contract with my signature on it with LVNV Funding LLC. Please remove the account immediately from my credit reports.
Product: Mortgage

I was overcharged by my local county for sewer charges in excess of {$XXXX} that resulted in an exorbitant tax bill. PHH overpaid, resulting in an escrow shortage. The escrow shortage caused my mortgage to go from {$XXXX} to {$XXXX}. More than double my current payment. I have working to resolve this issue since being notified on XX/XX/XXXX. My taxes were adjusted and PHH Mortgage was issued a check on XX/XX/XXXX in the amount of {$XXXX}. They provided me with the check number on XX/XX/XXXX to which I forwarded to PHH 's tax department on this same day. As of XX/XX/XXXX, I spoke with a representative from XXXX  who claimed they did not have the check, nor did they have the check number. An XXXX XXXX, XXXX, assured me that he would ensure my account would be rectified and that collections would not take place if my XXXX payment was not made on time. He also assured me he would remain in contact with me and update me on my file. I have not spoken with him by phone in over one month despite my weekly call attempts. My calls are typically diverted to others on his team with no updates. I began receiving delinquent and early foreclosure intervention notices in mid XXXX. My issue is still not rectified. PHH insisted they as well as a company XXXX reached out to the tax office for the check number and tracking number, and that the tax office was unwilling to provide the information. I am not sure why the tax office would be unwilling to provide the information if they provided me with the information XXXX weeks ago. PHH Mortgage is extremely negligent, theyve only been servicing my account for the past XXXX months ( it was recently transferred over to them from XXXX XXXX Mortgage ), and it has been a nightmare. This has caused me and my family much stress, as I am constantly receiving notifications of missed payments and negative XXXX XXXX reports. I would hope in the future PHH offers safeguards for their clients in instances where tax charges are out of the ordinary. I was overcharged in the excess of thousands, and there was no alert made to me in advance of the payment to XXXX XXXX, just an alert to me on needing to makeup for the escrow shortage.
Product: Checking or savings account

My account with Amegy bank was closed after a breach was reported. I was notified that bank charges had bee accrued. I contact their parent company Zion bank and settled with them. Payment was made at Ca Bank and Trust a divison of Zion Bank. I fouund out today that a collection in on my record. This is erroneous. Request to remove this collection immediately. Attached is the dispute with XXXX.
Product: Debt collection

i tried to dispute the debit but i got no where i need your help to contact midland credit management to wipe my debit clean iam too poor to pay this debit
Product: Debt collection

I sent on XX/XX/XXXX a dispute. A verification of accounting. Company failed to respond or contact me about my dispute. I talk to an agent. Agent failed to acknowledge my claim just ask for a payment with out verification of my dispute. My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against BMW Finacial Services, for committing identity theft. I have never given BMW Financial Services, any permission to use any of my identifying information to commit fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with BMW Financial services and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/XXXX, I have not received any documentary evidence, such as a trilateral contract, giving BMW Financial Services right to collect on this alleged debt. 
I have never received any documentation requesting validation from BMW Financial Services, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If BMW Financial Services, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until BMW Financial Services, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and BMW Financial Services, continues its collection efforts, I will file for litigation for actual damages caused and BMW Finacial services will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed 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 XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found wrong personal information in my annual credit report, they are : one wrong telephone number and 4 wrong addresses under my personal information Tel # XXXX Address 1 : XXXX XXXX XXXX. XXXX XXXX XXXX , MO XXXX Address2 : XXXX XXXX XXXX XXXX , WV XXXX Address 3 : XXXX XXXX XXXX XXXX XXXX , AR XXXX Address 4 : XXXX XXXX XXXX XXXX , IN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} ; XXXXXXXX XXXX  XXXX : {$17000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX : {$500.00} ; XXXX  XXXX Balance : {$190.00} ; XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor:XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXX XXXX : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

MERIDIAN FINANCIAL SERVICES Last reported XX/XX/XXXX {$720.00} Open balance XXXX XXXX was including in my XXXX bankruptcy however they sold account to meridian and now the item is on my XXXX credit file affecting my credit and it is on twice showing twice in debt. XXXX will not remove as the collection agency will not update. Please assist.
Product: Checking or savings account

A few weeks ago, the Chase closed my account with no notification. I went to a branch immediately and see what happened and what next. They told me that a cashier check will be sent to me later and asked me to wait. Then, I keeps waiting for my check for more than XXXX weeks. I found that nothing coming so I decide to call them this morning, they told me the check is hold and still been reviewing. I just need my check back.
Product: Payday loan, title loan, or personal loan

After requesting proof of loan by One Main, I was first told that they didn't keep this information on file. After calling a few more times to request this information, I received only electronic documents ( nothing with my signature ). I truly don't remember signing a loan with One Main although I made payments to not negatively impact my credit. 

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

I have called repeatedly or gone online to unfreeze my credit and i have been assured that it is unfrozen. But when I try to set up an account with XXXX, I am told my credit is still frozen. I have been dealing with this for months and it is almost impossible to talk to a person at Transunion. I just want my credit unfrozen so I can get a phone line set up.
Product: Debt collection

I am XXXX XXXX submitting this complaint against CREDIT COLLECTION SERV and their is no third party involved. CREDIT COLLECTION SERV did not provide me with sufficient documentary evidence such as tracking number or some type of signed delivery slip by me the consumer, proving that I received and was made aware of collection activity of this alleged debt, this alleged debt had been fraudulently placed onto my consumer report with forethought and malice to being harm to me and my financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I disputed the inaccurate items on my credit report with XXXX, XXXX, and Transunion no response. I wrote requesting an investigation on XX/XX/2022 into the inaccurate items. To this date I gave yet to receive a reply or any type of acknowledgement regarding their investigation.Today XX/XX/2022 I am fed up. The following inaccurate information motion is as follows : Student Loans from XXXX XXXX XXXX need to be removed from my credit report from all 3 bureaus due to successfully completed the rehab program. 

Please Help thank you XXXX XXXX
Product: Credit card

I recently received a {$2600.00} prepaid gift card from American Express. I have tried to use it angain annd angain, and it is not accepted from ANY vendor ive tried. The card transaction has declined, or shows as pending for days at a time, online and in stores. In person talking to the merchant, they accept Amex, enter all the details correctly and security codes are correct. They say to request authorization from Amex. Speaking to Amex customer support has taken 20+ hours and they say it has sufficient balance and do nothing. Their recommendation is to try somewhere else. They are unwilling or unable to verify or authorize the transactions, they just say it works. It does not work. 
Doesn't work on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The card is in fact verified and has been checked by support multiple times, when I check the balance, the amount is more than sufficient. 
I've talked to customer support for hours ( including a manager ) and they refuse to give me a refund or tell me where ( if anywhere! ) I CAN use the card. Its worthless and unusable, even though Amex has already been paid for the amount!
Product: Debt collection

For several years I 've been sending a payment to the XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Texas XXXX XXXX, ( XXXX ) XXXX. I 've always paid in a timely manner. Today my check was sent back as " not deliverable as addressed- unable to forward ''. I called the XXXX firm but the phone number is out of order. I looked up several sites online and I tried calling several other numbers but could not locate the XXXXXXXX firm. I came across the Brown Law firm and saw that their address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Tx, the same as the XXXX XXXX firm! Their phone number is XXXX XXXX XXXX XXXX. I called but since it 's after-hours, no one picked up. If my former XXXX credit card bill is no longer with the XXXX XXXX firm, or, if it has been taken over by the Brown Law firm, no one has advised me. I want to see something in writing telling me the status of my account. I certainly do not want to get into any legal jeopardy over this bill because I have been honorable in paying it and I want to continue to pay it until the account is settled. Can you possibly get something in writing from the XXXX XXXX firm and/ or the Brown Law firm telling me what 's going on? Since my check came back today, XXXX/XXXX/XXXX, I 've become very worried about this and I could really use some help. I mailed my check as I do every month during the first week of each month. I am timely about this. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account Zales # XXXX has violated my rights. 
15USC 1681 section 602 states i have the right to privacy 15USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has already been decided that it is not mines. And I'm demanding that it be removed from my credit files. This fraudulent account has caused me great emotional damage and financial stress. Please remove this account immediately. 

# 1. XXXX XXXX XXXX # XXXX
Product: Vehicle loan or lease

Back in XX/XX/year> I gave this company {$2200.00} for the amount of the lease a family friend who I thought was a friend DIDNT explain that I was renting a car not making payments to purchase I never knew you needed a financing company for a rental after paying this amount of money I asked a representative at the company what else i need to do to get my title he told me Ill be receiving it in XXXX so Im under the impression the car is paid for I got different things told to me from the representative at this company without notice my car was recently picked up and the company isnt trying to work with me they are asking for {$3000.00} sum odd dollars which I dont have I need help in this matter please
Product: Credit reporting or other personal consumer reports

My information was compromised in at least one data breach. Since then, I have been getting emails from credit lenders about loans that I have not applied for. There are also profiles for XXXX XXXX and XXXX that I have no access to, have not authorized and did not create.
Product: Debt collection

AR RESOURCES INC XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XX/XX/2017 ( 2 yrs, 11 mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; reported by grantor Original Creditor Name XXXX XXXX {$2400.00} Highest Balance {$2400.00} I have no knowledge of this debt and affecting all 3 credit reports.
Product: Mortgage

I have a mortgage with a servicer by the name of seterus, I just received a letter from an attorney claiming to be the attorney for fannie mae and seterus. I had requeste information regarding the hoa fees charged to my account. This attorney XXXX XXXX, has lied. He says they were not hoa fees, even though that is what is written on the statement. He says those are attorney fees for the attorney in some quiet title law suit. I have never received a letter from an attorney, and further that case didnt start until 5 months after these fees were charged. I want to know who the attorney on my loan truly is. I am being scammed out of my property and want answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed letters, called in multiple times to dispute a collections account that is listing false information in my name. The company is XXXX XXXX XXXX. I have mailed 3 letters to this company since XXXX of 2017 requesting proof this account belongs to me and have yet to hear back from this company. XXXX has not sent me any proof by mail or by phone why this account is still showing on my credit report other than it is validated by my name. That 's it. This account should n't be on my credit simply because I never received anything in the mail stating I owe this money or that I even had a collection account. I need this invalid account taken off of my credit immediately. XXXX is not even contacting my by my address to even show me proof this account is valid with my signature and that it actually belongs to me.