23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a duplicate Debt Collector XXXX XXXX referred, the first one XXXX XXXX deleted it from my Credit Report once I showed proof of payment through by bank. 


In XX/XX/XXXX I signed up with Telephone/Internet/TV with Service Provider Name : ( XXXX XXXX ) also made a Security Deposit of at least {$150.00} which was never returned, I also contacted XXXX by telephone to discontinue service end of XX/XX/XXXX, because I was moving and also paid by bill of XXXX, XXXX which I should have received an Refund!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated without incident. You, however, seem to claim you've verified the accuracy of the information. I contacted the furnishers and they agreed to repair and update the accounts in my file. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of XXXX XXXX XXXXXXXX account on my credit report. I was previously listed as an authorized user on this account, which has since been charged off. However, under the Fair Credit Reporting Act ( FCRA ) 605B & 1681c, I should not be held responsible for this debt, as I was never a primary account holder.

As per FCRA 1681c ( a ), credit reporting agencies are required to ensure that only accurate and verifiable information is included in consumer credit files. Since I was only an authorized user and never financially liable for the account, my credit report should not reflect this accounts delinquency or charge-off status.

Additionally, FCRA 1681s-2 ( a ) ( 1 ) ( A ) mandates that furnishers of information provide accurate data to consumer reporting agencies. Reporting this account under my credit history misrepresents my financial obligations and may unfairly impact my creditworthiness. 

I request the immediate removal of this account from my credit report to ensure compliance with the FCRA. Please conduct an investigation and provide written confirmation of the deletion at your earliest convenience. 

Attached, you will find a copy of my identification and a recent credit report highlighting the disputed item for reference. If further information is needed, please contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter. I expect a response within the timeframe outlined in FCRA 1681i ( a ) ( 30 days ).
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Product: Credit reporting

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX on or about XXXX/XXXX/2014 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Debt collection

Pulled my credit due to trying to buy a house. I found that I had a medical collection from Central Financial. This is a medical debt from XXXX XXXX Hospital. I sent a dispute in on XX/XX/XXXX stating I provided both insurance to the hospital. My XXXX XXXX was already in the system but when I started working and had XXXX added at the time of visit. XXXX XXXX removed my XXXX XXXX and just added XXXX. This was the only insurance billed. The sent notification back stating I verbally gave only 1 insurance information and will not remove the collection nor stop collection. I called back on XXXX XXXX and the agent I spoke to went through the entire account and realized the account went into collection XX/XX/XXXX. I called in on XX/XX/XXXX letting the agent know that I had a secondary insurance that should have been billed. He stated that it was 2 accounts in the system and the agent notated only 1 account and that 's why they are only pursing that 1 account. He told me to send in another dispute stating the information that was given. I called today to see if there was an update on the second dispute. I was told by the agent that I was not allowed to do a second dispute and also they just received the second account in XXXX that also need to be paid. I know this information is not true due to the fact that both accounts was in there office when I sent the first dispute in XXXX.
Product: Debt collection

I am not liable for this debt with capital one bank I do not have a contract with XXXX XXXX XXXX, they did not provide me with an original contract that I requested.
Product: Debt collection

XXXX called XXXX XX/XX/22 XXXX called XXXX XX/XX/22 XXXX called XXXX XX/XX/22 XXXX called XXXX XX/XX/22 XXXX called XXXX XX/XX/22 XXXX called XXXX XX/XX/22 XXXX called XXXX XX/XX/22 XXXX called XXXX XX/XX/22 XXXX called XXXX XX/XX/22 XXXX called XXXX XX/XX/22 It's the same company everytime. They just yell at you and call you a liar when you try to set up a payment plan. It's General Service So they say. They call anywhere from 4-7 times a day, but never leave a message or not hang up on you. Repeat calls within 15 min of each other is harassment.
Product: Credit card

On XXXX, XXXX I made a payment to capital for my credit card payment in the amount of {$510.00} but didn't know it would be taken out till XXXX, XXXX between this time I had another payment set to be taken out with XXXX but by time capital one took their payment if wasn't enough to cover the payment of the {$510.00} so I made another payment of {$400.00} on XXXX but I called in on XXXX XXXX to inform capital one that the {$400.00} won't clear because ring took a {$8.00} payment and I would like to change the payment to {$350.00} or {$380.00} and I also asked if they can waive {$12.00} interest fee they waive the {$12.00} interest fee but didn't take the payment of the {$350.00} that same day the rep inform me that I would have to wait for this payment to fall off to make the correct payment. I made the payment of {$300.00} on XXXX XXXX at this time my account was open and the payment was accepted. Now XXXX, XXXX I was trying to make my remaining payment and now my account is Restricted and closed after receiving my {$350.00} payment. I spoke to capital rep and they were disrespectful even told me they can see were i called in about tjis matter but couldnt see when i called and the rep told me i could make my payment off the {$400.00} drops off but said I was doing fraud and hang up on me. unable to reopen my account after receiving my payment. Please I need help getting my account open back so my credit won't be effected.
Product: Credit reporting or other personal consumer reports

FTC Report XXXX XXXX : I did not give Experian written consent to report, buy, sell, trade, my personal information with any data furnishers or credit reporting agencies. I online the specific items that I believe are inaccurate, incomplete or unverified and I request immediate correct or deletion where application. Please conduct a thorough investigation into these matters and provide a written response detailing the actions taken. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ******* ), Invalid and Unverified Debt ( FDCPA Violations ) : Under 15 U.S. Code 1692g, I am disputing the following accounts as they have not been validated under the Fair Debt Collection Practices Act. I demand immediate removal
Product: Mortgage

I refinanced my home in XXXX ( closing scheduled as of XX/XX/XXXX ; loan originated on XX/XX/XXXX ) with Cardinal Financial Services. The home appraised, as submitted to Cardinal for the refinance process, at {$260000.00}. The total mortgage on the refinance was {$190000.00}. They promptly transferred the loan, seemingly internally, to Cardinal Financial. They begin charging PMI, despite there being much more than 20 % equity in the home. I have been unable to get this charge removed, despite requests made in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX My husband called today using a recorded line, and they again simply said that they will " send us the paperwork '' which never arrives. I have paid, at this point, thousands of dollars of PMI erroneously that is owed back to me. It is my understanding that charging PMI on a loan with more than 80 % equity in the house ( in some cases 77 %, but we meet even that criteria ) is illegal under the 1998 Homeowners Protection Act. At this time I need to pursue this beyond the company 's capability to respond.
Product: Money transfer, virtual currency, or money service

Before the end ofXX/XX/XXXX, I met someone online after 7 long years I 've been a widow, I never dated anyone so I thought I try the online dating, I did. For few months were corresponding, 24/7 communication through texting, emails, and calls..I fell in love with XXXX XXXX this was his fictitious name. During our correspondence he told me that he is working as a XXXX XXXX in XXXX business name XXXX, I checked it out then, it was all real and his name and photo was there, so everything seems to be valid and real. So then everything seems to be good. So, we continue to our relationship, I was comfortable, happy, secured, and inloved! Fast forward ... one day he told me that his company is about to give him payment for his finished construction project in XXXX government but he needed my help in order for him to get his payment to process all the documents to transfer the money in my account here in the US so when he comes and moved here financially everything would be ok. I believed in everything he said and I trusted him. So then, he said he needs {$8600.00} for the documents then, he sent me all the information of the XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, HIS account number XXXX and IBAN OR swift. He told me to put " GOODS '' on RECEPIENT PURPOSE of payment so it would be easy to send the money I went to the Bank of America to make the wire transfer on XX/XX/XXXX, the transaction was done. We had a good communication after that ... until around XX/XX/XXXX that 's when I found out I was scammed. I was manipulated. HE IS GONE!
I was shocked! devastated, ashamed, lost, XXXX, empty! I had to call the police to report this and advised me to call FBI and also file a complaint, and I did. I had to make an appointment to the FBI office to show them all the proof and evidence that I was scammed.
It 's been months I have been so XXXX. I had to see my doctor and seek a counseling because of this. I was /am XXXX.
I ask the Bank of America, CFPB and XXXX XXXX to help get my money back from the RECEPIENT 'S ACCOUNT. It is my savings account that I worked so very hard to earn it is a CLEAN LABOR AND SWEAT! Please help me. Thank you so much.
Product: Credit card

This account was opened around XX/XX/year> and closed by XX/XX/year>, after the credit card never arrived at my mailing address. I try multiple times to obtain the card but was impossible due to the delays on XXXX XXXX nationwide for the XXXX Pandemic. In other words, I never had the opportunity to use the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint in line with my previous complaint on XX/XX/XXXX. The items I am disputing are erroneous and needed to investigate Here are the aforementioned 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The addresses listed are not my home address, and the accounts are inaccurate and fraudulent. Im seeking Litigation. The inquiries are unauthorized and fraudulent. Please delete them at once.
Product: Debt collection

I moved from this location 2 years ago and my partner s daughter took over the account ( XXXX XXXX ) they continued paying the bill. And equipment is still in their house under a new name. I called the company to set all this up.Called the collection company recently and they said they will remove the derogatory mark but did n't see it happen. Thank you
Product: Credit card or prepaid card

The original amount of the purchase was XXXX. The merchant took and additional amount of XXXX out of account that was never authorized or use to purchase anything. Tried to contact the merchant via email no number listed unsuccessfully ( phony web site ) contacted both 5/3 bank and XXXX. Advised them I had one UN AUTHORIZED transaction for XXXX that I had no ideal. Advised I would also like to dispute a charge for XXXX believe to be a scam because additional money XXXX that I did not authorized came out. 
Both the bank and XXXX Denied my dispute because the merchant provided tracking numbers to say it was Delivered. 

However In contacting the USPS it was not delivered TO MY ADDRESS, but an undisclosed location. I have Never received anything from this company, and they took money out that was Never authorized, and have not been able to contact them. My bank and XXXX denied my dispute because of tracking numbers that said it was delivered EVEN THO IT WAS NEVER DELIVERED TO ME OR MY ADDRESS. 
How can I get my bank or XXXX to do a CHARGEBACK to the merchant. I have been a customer with both for over 30 years, and they refuse to assist me in any way. 
5/3 bank XXXX Merchant : XXXX ( no email or phone )
Product: Debt collection

XXXX : received " letter of representation '' for a debt collection from RAB, Inc. in Texas and " invoices '' that showed past due for subcontractor services that were provided to and billed to a homeowner and paid by the general contractor. The company threatened to file against the general contractor with XXXX XXXX XXXX credit filing and also stated that it was a " pre-legal '' matter prior to filing even though it had no legal judgment to show that a debt was legally owed. When asked to show proof of law license and business license, the company failed to show license to do business in the state where it attempted to collect a debt. It also stated that no attorneys were involved but yet held itself out as a company that could take legal action on behalf of its client.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from XXXX alerting me that a credit inquiry from Citibank had been ran using my name, address, and social security number. I do not have any accounts with Citibank. I disputed the inquiry with XXXX and left it alone. Later, I got the " confirmation '' letter in the mail, however it was in XXXX, and I do not speak XXXX, so I knew that someone had tried to commit fraud. I called Citibank and reported the fraud, and they told me that they would handle the situation. However, as of today, the inquiry is still showing on my XXXX and is bringing my score down into the yellow. I want the inquiry removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently tried opening a bank account and was denied due to reporting by XXXX XXXX XXXX. 
Several accounts came up on my report. 
1 ) XXXX XXXX  Account Number : XXXX 2 ) XXXX XXXX Account Number : XXXX 3 ) XXXX XXXX Account Number : XXXX These accounts are fraudulent are a violation of my rights. I have included an identity theft report # XXXX as well as a copy of my drivers license and social for proof of identity. 
These items are Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have these unknown inquires I wish to have them removed, I have sent letter to Transunion, I have reached out to the creditor that made the inquiry still no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is only getting one of the two accounts being reported by XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) while XXXX is getting both accounts. This is negatively impacting my Credit Score with Transunion because the total account utilization percentage is higher than it should be as it is not taking into account two accounts but just one account. 

I've called Transunion and XXXX XXXX XXXX today regarding this issue around XXXX on XX/XX/2022. Transunion said they can not do anything on their end if the Credit Card company does not push them the data for all accounts and they also only see one account when in fact I have two active that is currently being reported on by XXXX. XXXX XXXX XXXX told me that I would need to write to their Credit Dispute team in order for them to investigate this issue and they claim that they are reporting all information on all accounts to all three major Credit Card Reporting agencies ( Transunion, XXXX, and XXXX ). 

No further attempt of assistance was provided by XXXX XXXX XXXX when I confronted them of this issue and they did not have a hotline or customer service representative that could look into this issue and implement corrective actions immediately.
Product: Credit card or prepaid card

Credit application was submitted in my name. Without my knowledge. As a result credit inquiry was added to my consumer report. I have contacted Pentagon FCU on several occasions. The following date of inquiry was XX/XX/XXXX. I filed a police report XX/XX/XXXX due to identity theft and have been trying contact all companies that have had a credit application in my name.
Product: Debt collection

Nothing is owed to College Loan Corp. Have contacted this collection agency several times and they still continue to send bills. They need to stop.
Product: Checking or savings account

I received a US Bank ReliaCard as a part of the Ohio Unemployment Insurance Program. I am not an Ohio resident, nor did I request this card. I am not unemployed, either. I've tried to contact ReliaCard and when I call the line I can not get through unless I provide my DOB and full SSN, which I am not comfortable doing. I have not activated the card, however, I do not know how to dissolve the account.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am puzzled that the below inquires appear on my credit report. Aren't you aware that you must enforce the permissible purpose provisions of the Fair Credit Reporting Act? 

Prove to me that the inclusion of this inquiry complies with this federal law, or remove them now. 

XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit report I noticed an influx on inquires that werent authorized by myself in a result identify theft. Inquiries listed below 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