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

Unauthorized Fraudulent Inquiries This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEPT that you did not varify as required by law on my consumer report.

1S USC 51681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; Except as provided in section 1681g/a/5 ) of this title, a consumer reporting agency shali not furnish to any person a record of inquines in connection with a credit or insurance transaction that is not initiated by a consumer. 

The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/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 XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Debt collection

I have received repeated phone calls from XXXX. They are trying to reach my ex husband. I am divorced from him for a reason and should not receive phone calls regarding any of his private financial business.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

The collection was opened XX/XX/2019, I sent letters to the collection agency, I wrote letters to all 3 three credit companies. everyone has failed to provide me documents saying what's the money I owe, copies of any paperwork showing that I agreed to pay what they say I owe or provide any license numbers, registered agent paperwork or anything of that.
Product: Credit card or prepaid card

I turned all information the credit card company has requested to resolve the dispute for 2 {$100.00} charges. This company still refuses to take the charges off my card. I even showed them another recept where the charge was placed on a different credit card the same day not 1 minute later because the vendor could not get their receipt to show the amount on it. They are refusing to refund my money. Then vendor is XXXX and does not speak English and does not know how to refund money. I only had a pedicure and a manicure done for 1 person. It does not cost 3 {$100.00} dollar charges at the same business on 2 charge cards in the same day.
Product: Debt collection

I now have an attorney looking into a debt collection on my credit report. I was notified by my attorney and the Texas  Secretary of State that Persolve Legal Group does not have the legal right to collect a debt or charge a finance charge in the state of Texas. I noticed Persovle Legal Group has been reporting negatively on my credit report. I do not have a contract with you. I also, found out I have a lawsuit against me. Again Persolve Legal Group does not have a legal right to file a lawsuit in the state of Texas for debt collection. I do have documentation that Persolve Legal Group did not have a bond to legally collect a debt during the time you bought the debt, filed it on my credit reports, and filed a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian identity theft report, email the ceo, sent certified letters, call and try dispute it, sent letter Mov ... And they Keep sending me letters asking for everything I sent many time. 
Im writing you out of pure frustration and desperation. I am in the process of purchasing a home and Experian company is reporting in accurate information. I have sent the company multiple dispute letters and screenshots stating that this information is inaccurate. The Information that I speak of is ( XXXX XXXX ). Each time Ive spoken to Experian representative they have stated that the company has provided them with information that has verify the data. Ive sent multiple requests for method of verification data and I have been ignored for each one. I also Spoken to a XXXX XXXX representative they also have an inaccurate information about myself. The XXXX XXXX   representative described me as a totally different person Ive never had an account with them at all. Ive also sent in the Federal Trade Commission report ( FTC ) which I will attached at the end of email. I also sent in a verification letter which I also will attach. Ive spoken to representatives on everyones in I believe that I have done all the due diligence to make this matter correct, Im asking of you to please help me with this matter. Im just trying to do whats right to provide for my family a dream home that I promised them. I thank you for your time and your understanding, I appreciate everything you do. 
I call Experian to Dispute this account ... And I requested XXXX. Told them this was a fraudulent account. I I sent the identity report ... They told me I couldnt request the information. Im Asked them are you denying me this information, he said yes and I said if I contact the attorney general and CFPB they are going to say the Same thing. This account is a charge off account but contains a monthly payment That is not possible, please delete. This account is labeled a collection but it is reporting a past due balance. I have full faith in Experian to be an outstanding model company and remove delete
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX
Product: Debt collection

Dear Portfoli Recovery Associates, LLC I hope this letter finds you well. I am writing to contest the charge associated with the collection account referenced above XXXX. I believe there has been a mistake or misunderstanding regarding this account, and I request a thorough investigation to resolve this matter. 

I would like to highlight the following points concerning the collection account : Disputed Debt : I dispute the validity of the debt in question. As a responsible consumer, I have consistently managed my financial obligations and have no record of owing any outstanding balance to the alleged creditor, XXXX XXXX. I have not received any communication or documentation regarding this alleged debt, and I am concerned that there may be an error or misinformation. 

Verification of Debt : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I kindly request that you provide me with detailed information about the debt, including the original amount owed, the dates of the alleged transactions, and any supporting documentation that confirms my liability for this debt. It is my right to receive accurate and comprehensive information, and I am eager to review any evidence you may have. 

Cease and Desist Communication : In accordance with my rights under the FDCPA, I am formally requesting that you cease and desist all communication with me until the alleged debt is properly verified and substantiated. Please ensure that all collection activities, including phone calls and written correspondence, are paused until this matter is resolved. 

Validation of Creditor 's Authority : Please provide documentation establishing your authority to collect on behalf of XXXX XXXX. I am entitled to confirm the legitimacy of your claim and the legality of your actions in pursuing this alleged debt. 

Resolution Process : I am open to resolving this matter promptly and amicably. If the alleged debt is indeed legitimate and can be properly verified, I am willing to discuss potential options for repayment or settlement. However, I reiterate my request for detailed documentation supporting your claim before any such discussion takes place. 

I kindly ask that you acknowledge receipt of this letter within 15 days from the date of your receipt. Additionally, I request that all collection activities related to this account be suspended until the requested information is provided and the matter is resolved to both parties satisfaction. 

I appreciate your prompt attention to this matter and your adherence to the legal requirements outlined in the FDCPA. 

Thank you for your understanding and cooperation.
Product: Payday loan, title loan, or personal loan

I applied for and received a " cash advance '' from Albert ( using the XXXX App ) on XX/XX/XXXX for {$150.00}. Repayment is supposed to occur on my payday. In the past, it would occur on the day after which I get paid on the XXXX and the last day of each month. Albert is aware of this as they request direct access to my bank account for payday amount and timing verification. On XX/XX/XXXX, 4-5 days before my payday, Albert accessed my bank account to take repayment and of course, there wasn't enough money in my account at the time. I get paid on the XXXX ( unless my payday falls on a weekend, then I would get paid the Friday prior ). When Albert was not able to withdraw {$150.00} ( the advance plus a processing fee ), Albert submitted 11 transactions to withdraw from my bank account in amounts ranging from {$.00} to {$16.00}. Each of these transactions has now incurred overdraft fees from my bank leaving my account in the negative. I was not notified that the loan would be taken out in small increments that would do this much damage to my bank account and according to their own words on their website, I was supposed to be able to use Albert to " Cover bills We dont believe in overdraft fees. Instead, we help you make ends meet by advancing up to {$250.00} from your next paycheck. No interest. No credit check. '' By withdrawing money before my payday and then proceeding to withdraw it in 11 transactions when the first did not go through, they clearly do believe in overdrafting its customer 's accounts. Please help me not only clear up this mess, but also rectify the damage to my bank account relationship.
Product: Debt collection

Didn't receive notice of right to dispute. XXXX receive written notice of negative debt before being placed on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be deleted, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request EQUIFAX credit bureau the method of verification for disputes In accordance with FCRA, I am requesting the account to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. Here is the account that needs to be delete in my file ASAP : XXXX XXXX XXXX XXXX Balanced Owed : {$1000.00}
Product: Mortgage

Lawsuits will include the following1. Predatory lending in XXXX. Extortion from XXXX through present asking for more money than that was supposed to be3. Claiming from XXXX through XXXX I was not eligible for a government we modification when in fact I was4. Fraudulently given an in-house loan instead of the requested and approved government loan5. Monies were transferred from XXXX home mortgage which were incorrectly forwarded to XXXX residential and should 've been returned to me which never were6. Tens of thousands of dollars sent in as payments monthly payments which never were posted and reposted to principalLoan which originated into XXXX at {$150000.00} now double {$300000.00} even though I made 20 years of payments. fraud and corruption and extortion
Product: Credit reporting or other personal consumer reports

Saturday, XX/XX/2024 Dear Experian & XXXX Credit Bureau, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete XXXX ( XXXX ) Inquiry from XXXX XXXX XXXX XXXX on XX/XX/2024 I do not recognize this lender and I did not authorize them to perform a hard inquiry on my credit report. 
( XXXX ) Inquiry from XXXX XXXX XXXX on XX/XX/2024 I do not recognize this lender and I did not authorize them to perform a hard inquiry on my credit report. 

By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 
Please remove any information that the creditor can not verify. I understand that under XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Consumer Loan

I applied at Wells Fargo for a {$50000.00} equity line of credit on my manufactured home. Was " conditionally '' approved. Then received email stating they do not do " manufactured homes ''. 

l am finding no one will give me a equity loan on my manufactured including XXXX and XXXX. 

This is discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

This must be addressed immediately! Equifax has wrongly updated old student loan accounts as new missed payments appearing monthly as additional damage when they have been CLOSED for about a decade and should not even be on the credit report at all! 

The following closed student loan accounts are all over a decade old yet keep reappearing on my credit report as new missed payments for each month. Equifax has refused to correct this issue and remove these accounts, rather they keep adding new missed payments even though they are closed. 

According to the FTC, they must be removed as they are too old to be on file. 

Remove these from my XXXX credit report immediately. 

U S DEPT OF ED/XXXXXXXX  Date Opened XX/XX/XXXX U S DEPT OF EDXXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXXXXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and my EPI may now be in the public domain.
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these unauthorized and fraudulent inquiries are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the unauthorized and fraudulent inquiries that are reported on my credit report. They are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Mortgage

There are several things taking place here are a few. 
They never showed the proper payment history or documents when the property was refinanced around XXXX ish. Then in XXXX the loan starts almost over with no explanation or documents. 
Second they keep reversing my mortgage without consent and they're doing this about five times a month then in the process they lose a payment with no explanation of where the money has gone without applying it to the loan or returning it to my bank. Then there's a additional account that separate from escrow that they keep deposited money into without any form of audit or receipts and where the money is going or how it's being applied to the loan.. every time I try to make a payment they reverse the payment after I accepted it forcing me to constantly be three payments behind to try to continue to foreclose on my property. None of the math is adding up we've owned the home for approximately 30 years almost and purchased it for {$71000.00} and XXXX after fee of blender and we owe still over {$60000.00} in 30 years. There has been times our mortgage was {$500.00} there was times it was {$1000.00} a month none of the money is adding up and where any of it is gone. We have never taken the equity out of the home and only refinanced the one time 20 years ago almost. Since XXXX they have changed the llc and name 3x and had lawsuit against them and this week changed name again
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$990.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$120.00} XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

Following the Fair Credit Reporting Act, the list of accounts below has violated my credit report. Please federally protect the consumer 's rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX, XXXX  : # XXXX, XXXX  XXXX XXXX  XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX  : # XXXX, Has violated my rights. 
15 USC 1681 section 602a States I have privacy rights.

15 USC 1681 section 604 ( a ) Section 2 also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information or any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should 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.

15 USC 6802, I never received the required opt-out notice when the account was being reported ( they never gave me the opt-out notice ). I have a right to opt-out of any reporting of non-public info.
Product: Checking or savings account

On XX/XX/XXXX my mobile app was hacked that allowed for XXXX dollars to be removed from my checking along with a credit card advance from to my main checking that was able to be stopped. Proof of mobile account being hacked was alternate email I dont own and fraudulent number that is from a place Im from or have been. A second attack happened roughly thirty days after the first. The proof mentioned above was found during this time. As a credit card fraud started the case and and was unsuccessful as i had not activated it. A text notification and in roughly after that my password had been changed and that is fraudulent. The investigation team has failed to look at the obvious of the case. They look like transactions but my complete account has been hacked and forensic account could could look at these records and prove that I dont own what they bought with the money along with proof I was not in the area. This continues to be an issue and get no assistance from a federally insured bank. My next step to my knowledge is suit towards the company but wish this was resolved ethically and diligently from an over 20 year customer when they use to be a small bank.
Product: Mortgage

Stearns Lending charges a fee for making payments within the 15 day grace period. Charges illegal late fees.