23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2019 I received a l letter stating I had new electric services. I immediately called and canceled and advised that I did not open an account. I had been with XXXX XXXX  with no problem and would not and had no reason to switch. I have contacted XXXX for years. They stated I owe {$1100.00}. Finally after four years they sent me a letter showing what I was charged. They stated I had electric for XXXX days in XX/XX/2019, I advise multiple times I did not switch My company is XXXX XXXX. I have lived in this house for over XXXX  years my electric bill is normally between {$120.00} to {$230.00}. The higher amount in the summer months. The amount they said for XXXX days is outrageous. Anyone can see that is XXXX. Second on XXXX I was arrested because my XXXX yr was hitting me I held her down until police came. I was taken to XXXX  and because I did not have bond sat in XXXX until the beginning of XX/XX/2019 which means I wasn't even out to change my electric company. I have contacted them for years and disputed with them only saying I owe and no proof until this month when I threated with a lawyer and they is when they sent information stating I had there electric company from XX/XX/2019 until XX/XX/2019 which is impossible I was in XXXX one and two no way would I ever have a {$1200.00} electric bill for XXXX days my home barely would hit that number in XXXX  months let alone XXXX days. They are a fraudulent company I believe to be ripping people off and scamming them.
Product: Debt collection

I received a call from XXXX threatening to have me arrested. They also called my daughter and my employer. The calls and messages were very threatening. They told me to call XXXX. When I called the number, I was told I was being sued and it was a debt from XXXX XXXX  XXXX. I had previously been called about this same debt by D2 management. 
When D2 management refused to send me proof of debt, I contacted the XXXX. The responses I got from the company were not satisfactory and very rude. It seems as though D2 management gave this debt to the company that called me today. Neither company can provide me written proof of debt. I called XXXX XXXX XXXX directly, and they informed me that I don't owe them anything. I don't know the name of the company that called me today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of fraud. I have contacted Experian numerous times, and I have disputed this fraud items with this company. In additionally, I have send a copy of my police report to XXXX, XXXX, and Experian. In XXXX of this year, both companies XXXX and XXXX. have proofed these was fraud and removed the fraudulent items. The 4 companies that are fraudulent are : 1. )   XXXX XXXX XXXX XXXX Balance {$1000.00} Credit Limit - Usage - Type INSTALLMENT Status Negative Opened On Invalid dat 2. ) XXXX/XXXX  : Balance : {$620.00} Credit Limit : {$370.00} Type : REVOLVING 3. ) XXXXXXXX XXXX   XXXX : Balance : {$30000.00} Credit Limit - Usage - Type REAL ESTATE 4. ) Account Name XXXX XXXX XXXX XXXX,XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Open Date Invalid date Balance {$780.00} Debt - Contact Information XXXX XXXX XXXX, XXXX, SC XXXX, ( XXXX ) XXXX Fraud Alert Also, on my fraud alert please add the phone XXXX for contact. 
Personal Statement ( s ) XXXX & XXXX-18 XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX-18.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX Date of Birth : Date of Birth : XX/XX/XX/XX/XXXXSocial Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX SERVICES # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any 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 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This issue was previously filed and resolved in XX/XX/2021 ; see issue number XXXX and issue number XXXX for additional information and attached documentation highlighting the account successfully disputed and removed, illegal aging, and reappearance over the years. 

The representatives of each bureau assured me in 2021 that the account would not be re-posted. 

However, the previously removed XXXX account reappeared again sometime in the last few months, this time XXXX posted it through XXXX XXXX XXXX. The Experian report makes it clear it's the same XXXX account that was previously disputed and invalidated multiple times. It shows as a new collections account and has significantly reduced my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello,I have reached out to XXXX several times regarding these inquiries by mail and phone. I have also contacted the creditors like I was advised to, and there telling me to contact XXXX, so I don’t know what else to do, here Is a list of the inquiries:XXXX or WHICHEVER CREDIT BUREAUS holding the inquiries XXXX XXXX XXXX XXXX, GA XXXXI am writing to dispute the following information in my file. I recently received a copy of my XXXX  credit report. The credit report showed MULTIPLE credit inquiries that I did not authorize. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please provide the method by which you verified that I applied directly for credit or gave permission to the following companies to access my credit by way of a signed authorization bearing my signature. If unable to do so, please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit.The FCRA states that the only permissible purpose for pulling someone’s credit is for:A. Firm Offer of CreditB. InsuranceC. EmploymentD. Court OrderThe following credit inquiries are not related to none of the aforementioned permissible• XXXX XXXX XXXX- (XX/XX/XXXX,XX/XX/XXXX)• XXXX XXXX-XXXX-XX/XX/XXXX•  XXXX- XX/XX/XXXX, XX/XX/XXXX• XXXX XXXX XXXX (XX/XX/XXXX)•  XXXX/XXXX (XX/XX/XXXX)• XXXX-XXXX XXXX-(XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX)• XXXX XXXX-(XX/XX/XXXX)Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity.Sincerely, XX/XX/XXXX
Product: Checking or savings account

XXXX is the amount they owe XX/XX/2022 they still haven't closed this account.
Product: Debt collection

The collection company was informed that this debt was a result of identity theft in XXXX. The account was sold to another debt collector who then started harassing me for a payment. An identity theft police report was filed with the XXXX Nevada XXXX. The debt was sold again to another collector who started harassing me again for collection of the debt. Totally ignoring the XXXX I.D . theft case that I filed. Here in XXXX I am still being contacted by the credit bureaus for this repoted ID. theft.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX XXXX XXXX XXXX {$1100.00} {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$700.00} {$0.00} XXXX XXXX XXXX  {$0.00} XXXX / XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2500.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$700.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} {$0.00} 15 U.S.C. 1681 section 602A states that I have the right to privacy.

15 U.S.C. 1681 section 604A section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I had purchased a XXXX XXXX XXXX from IRA XXXX XXXX in XXXX. AT the time of purchase I enrolled with XXXX XXXX for a program that, through bi-monthly payments would pay of my debt quicker. The loan company was XXXX bank. 
Two weeks ago i received a notice of an outstanding debt owed to XXXX plus dating back to XX/XX/XXXX. I was set up with Autopay for automatic withdrawal bi-monthly. My transaction history shows the following : My first payment was withdrawn by autopay for the month of XX/XX/XXXX was XX/XX/XXXX. 
My second payment was withdrawn by autopay for the month of XX/XX/XXXX was XX/XX/XXXX. 
On XX/XX/XXXX the debit was reversed. 
On XX/XX/XXXX funds were disperesed to my account for a home refinance, and payoff of `the XXXX XXXX XXXX A few weeks after I received the title for the vehicle. The check for payoff to XXXX was written out and sent to by the closing attorney. As far as I knew, once I was given the title all outstanding debts were paid off. 
I never received any notification from XXXX of a missed payment until XX/XX/XXXX. 
I spoke to the loaner XXXX bank, no issue. After much digging on my part I had a three way call with my Bank XXXX XXXX  and Autopay. During this call it was shown and stated by TD bank that neither myself or XXXX XXXX  had stopped payment. They proved this by pointing out the transaction history would look different. The only conclusion is that XXXX reversed the payment whether purposely or accidently or that there was a glitch somewhere. Had I been notified in the months after of an error, I had sufficient funds to right this. Three years, a year of pandemic, 9 months out of work, a new job making half the wage I made, I am strapped. I am at a loss on how the blame is solely on me.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter regarding my account with XXXX XXXX XXXX Recently, I reported to all three credit bureaus that I have been a victim of identity theft. Despite my efforts to rectify this situation and providing the necessary documentation, I have observed that XXXX XXXX XXXX continues to verify the information in question. 

I wish to draw your attention to the responsibilities of furnishers outlined under the Fair Credit Reporting Act ( FCRA ), particularly sections FCRA 623 ( a ) ( 6 ) ( B ) and FCRA 605B. According to these provisions, when notified by a credit reporting agency ( CRA ) that a consumer 's identity has been stolen, furnishers such as XXXX XXXXXXXX have specific duties : Preventing Re-Reporting of Information : If a CRA notifies you that information furnished by XXXX XXXX XXXX  is being blocked on a consumer 's credit report due to identity theft, XXXX XXXX XXXX must have procedures in place to prevent the re-reporting of such information ( FCRA 623 ( a ) ( 6 ) ( A ) ).

Restriction on Debt Resulting from Identity Theft : XXXX XXXX XXXX may not sell, transfer, or place for collection any debt resulting from identity theft if notified by a CRA ( FCRA 615 ( f ) ( 1 ) ). 

Furnishing Information Regarding Fraudulent Accounts : Upon receiving notification from a consumer who is a victim of identity theft and providing an identity theft report, XXXX XXXX XXXX may not furnish information to a CRA regarding the fraudulent account or debt ( FCRA 6XXXX ( a ) ( XXXX ) ( B ) ). 

XXXXrompt Notification of Inaccurate Information : If XXXX XXXXXXXX XXXX l finds that it furnished inaccurate information due to identity theft, it must promptly notify each CRA of the correct information and ensure that only complete and accurate information is reported in the future ( FCRA 623 ( a ) ( 2 ) ). 

Obligation to Supply Records : If XXXX XXXX XXXX l provides credit, goods, or services to consumers, it may be required to supply application or other transaction records to an identity theft victim or law enforcement officer upon request ( FCRA 605B ( f ), 615 ( g ) ). 

I trust that XXXX XXXX XXXX will adhere to these obligations under the FCRA and take the necessary steps to rectify the situation promptly. Please cease the verification of the disputed information and ensure that it is blocked from further reporting. 

I appreciate your attention to this matter and anticipate a swift resolution..
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed that several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that Equifax will investigate this account to ensure accuracy. Here is the account I'm asking you to verify as accurate : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received numerous inquires on my credit report. I have not applied for any credit since XX/XX/2021. I reached out to all 3 bureaus and they were no help at all. I disputed the inquires with Equifax and they came back validated which is funny. You have to give written consent to run credit via an application, etc. There is no such thing regarding theses accounts. This is a violation on the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent inquiries on my XXXX and XXXX credit reports and I've disputed them several times with the companies and XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Wells Fargo Dealer S XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Checking or savings account

We had a hacker call from our usaa bank number on XX/XX/XXXX, claiming they were from the fraud department and they see fraudulent charges on our account, went over the transactions with my husband using his personal info as a representative would usually only have and gained access to our checking and savings account wiping out over XXXX. We instantly called usaa after the phone call realizing it was fraud, after 5 days they gave us back the XXXX in our savings but not the checking account for XXXX. We have been calling almost daily trying to recover our funds that were stolen and is not looking promising. Completely at a loss with a bank we have been banking with for over 15 years.
Product: Debt collection

I was receiving multiple calls from a number I did not recognize, which turned out to be CBE groups, a collections agency trying to contact me. Knowing I had nothing in collections and nothing reporting to the CRA I answered one of their calls on XX/XX/XXXX only to receive a dead air call. I called them back and was immediately read my mini-miranda. After giving the rep my phone, name, and social security number and current address, which I have resided at since moving back from XXXX in XXXX, the rep kept stating I owed a debt but would not give me info as to who the original debtor was because I didn't have the correct address, so I did a cease and desist to stop all calls. They later started to contact my family, so I contacted them again on XX/XX/XXXX to do a cease and desist on all calls that have to do with their account due to lack of information. However, after extensive research and due to not receiving a validation of debt letter within 5 days of speaking with me I did not feel comfortable with how the reps were responding to the situation. I called once again on XX/XX/XXXX to ask for their address so I can not only send a written cease and desist letter but a validation of debt letter as well. However the rep disconnected the call. I called back immediately and the second rep started to argue with me that I did not need to know their address, after 6 minutes of arguing the rep gave me the address of XXXX XXXX XXXX XXXX XXXX, IA XXXX which is a different address to the one on their website which is XXXX XXXX XXXX XXXX, IA XXXX. On XX/XX/XXXX I sent out a cease and desist letter as well as a request of validation of debt letter via certified mail with tracking number to both addresses. The XXXX address signed for it on XX/XX/XXXX and the XXXX XXXX address signed for it on XX/XX/XXXX. It has now reached the 30 day period normally given to receive a response for the information requested as well as a letter stating they have received my cease and desist letters. I would just like the collections agency to return both verification that they have put my phone and family members phones on a cease and desist and I would like a validation of debt letter sent to me, so I don't have to worry about them in the future.
Product: Mortgage

Bank of America is my investor for my XXXX mortgage and XXXX XXXX is my servicer. No one seems to be able to tell me why I did n't qualify for the National Mortgage Settlement to lower my principal or get refinanced for a lower interest for my XXXX mortgage that is owned by Bank of America. I would like to be able to refinance for today 's low rates per the settlement agreement. I keep getting the run around and was actually told by a Bank of America employee that Bank of America does not own any loans and that I must be mistaken.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank unauthorized inquiry not authorized by me.
Product: Consumer Loan

Auto loan was different from the price agreed upon. 
Lost track of many payments, reported to credit bureau of " late payments '' and involuntary repo although I surrendered my car to them and have n't missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is the result of identity theft and should remove it from my credit report.