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

I am writing to request the removal of unauthorized inquiries from my credit report. 
Upon reviewing my credit report, I noticed that there are several inquiries listed which I did not authorize. These inquiries are negatively affecting my credit score and do not reflect my consent. 
The Fair Credit Reporting Act ( FCRA ) requires that credit inquiries be made only with the consumer 's permission. The following inquiries appear on my credit report without my authorization:1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder the FCRA, I am entitled to have these unauthorized inquiries removed from my credit report. Please investigate this matter and remove these inquiries from my credit report immediately. 
Enclosed with this letter are copies of my identification and proof of address to assist in verifying my identity. I appreciate your prompt attention to this matter and request that you provide written confirmation of the removal of these inquiries from my credit report within 30 days. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX  # XXXX, Account name : XXXX XXXX XXXX  XXXX Account Number # XXXX, Account name : XXXX  XXXX Account XXXX #, Account name : DEPT OF EDUCATION/XXXX  Account Number # XXXX, account name XXXX XXXX Account Number # XXXX, account name XXXX  XXXX XXXX Account XXXX # XXXX, account name XXXX XXXX XXXX Account Number # XXXX, account name XXXX XXXX XXXX Account Number XXXX, account name XXXX XXXX XXXX XXXX Account Number # XXXX, account name XXXX XXXXXXXX XXXX XXXX Account Number XXXX has, account name XXXX  XXXX/XXXX  XXXX  Account Number # XXXX, account name XXXX XXXX Account Number # XXXX XXXX account name XXXX XXXX Account Number # XXXX 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 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 seven 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

i was a victim of the XXXX data breach of XXXX and the XXXX XXXX fund dividend data breach and because of this my information was stolen KLARNA CREDIT place account with XXXX XXXX XXXX Account number XXXX it not my account
Product: Debt collection

FNB has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

this account was fradulent opened on XX/XX/2019 for the amount of {$7000.00}
Product: Credit reporting or other personal consumer reports

RE : Dispute of Incorrect Address on Consumer Report I am writing to dispute the following incorrect address on my consumer report : Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX There are multiple incorrect addresses on my consumer report causing me problems such as difficulty receiving mail, being denied access to credit, etc. 
I have attached documentation to support my claim, including I request that you investigate this dispute and correct my consumer report as soon as possible. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to investigate all disputes within immediately and to correct any inaccurate information on my consumer report.

Thank you for your time and attention to this matter.
Product: Checking or savings account

I received a back pay check for my veterans affairs dependent education benefits as backpay for when I was enrolled in school back in 2018 verified the check was real and was intended for me with the veterans affairs and deposited the bank to my account with no issue and then a week later they flagged my account as fraud and have put a hold on my account leaving me without access to anybody my funds I have already missed two paydays and this is getting in the way of me being able to get access to my lifesaving medication
Product: Debt collection

I did a XXXX XXXX RESEARCH ON MY NAME AND THERE IS NO DEBT IN MY NAME
Product: Credit reporting or other personal consumer reports

Urgent Request Fraudulent Information and Inquiries Block under Section 605B of the FCRA To Whom It May Concern, I am writing to demand the immediate removal of fraudulent accounts and inquiries and incorrect phone numbers and places of employment from my credit report due to identity theft. These inaccuracies are causing significant damage to my credit, and it is imperative that this issue is resolved without delay.Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I am requesting that the fraudulent accounts listed below will be blocked and permanently removed from my credit file. This is not a requestit is my right, and I expect swift action.

Please be advised that I am invoking my right to have this fraudulent information blocked and permanently deleted from my credit report. You are required to resolve this matter within four ( 4 ) business days of receiving this notice, as stipulated by law.

Failure to comply with this request in the given time frame will leave me no choice but to escalate the matter through all available legal and regulatory channels.I expect confirmation of the removal within the specified timeframe. 


MY only and CURRENT phone number is XXXX Please remove the following phone numbers XXXX XXXX XXXX XXXX XXXX XXXX Remove employers XXXX XXXX XXXX XXXX XXXX XXXX  for everybody Massage XXXX  XXXX I am requesting the removal of LATE payments for the accounts listed below : Account Number Balance Monthly Payment XXXX XXXX XXXX {$30000.00} {$920.00} XXXX XXXX XXXXXXXX {$16000.00} {$570.00} XXXX XXXX XXXX XXXXXXXX {$15.00} {$15.00} XXXX XXXX XXXX XXXX XXXX {$30.00} {$30.00} XXXX XXXX XXXX  XXXX {$17000.00} {$530.00} XXXX XXXX XXXX XXXX XXXX {$270.00} {$29.00} XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$18000.00} {$590.00XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} {$520.00} XXXX & XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX # XXXX Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will le complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, in XXXX 2007 I was a victim of identity theft and fraud. I have filed 7 Police reports in different states with in the past ten years and place a fraud alert on all the Credit Reporting Agencies ( CRA ) XXXX, TransUnion, and XXXX. trying to correct my credit report. The problem I 'm having with all credit agencies, is that their not complying with the Fair Credit Reporting Act Laws. The ( CRA ) are by law to verify documents sent from the creditor ( s ) place into my credit file. I have been  sending request that the ( CRA ) provide me with that proof of documents verification for over 1 year and I have not received a response and when I call over the phone. The ( CRA ) always state that they never received my supportive police reports or complaints.
Page 35 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( FCRA ) Page 37 ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section
Product: Money transfer, virtual currency, or money service

Bought less than {$100.00} of XXXX which I initially tried to transfer to online gaming which is legal in California. Because my email at destination differed from email used at exchange they wanted some type of proof for email address. I have not used that email address for XXXX years and have no access to it. That initial transfer request was cancelled by exchange. I since have made XXXX transfer request to send balance of XXXX XXXX to my Exodus XXXX address. I have pass every identity verification, supplied screen shots of XXXX, but exchange ( CEX.io ) is still asking for verification on first transfer request that was cancelled almost 2 weeks ago. XXXX whom I've been conversing with at CEX claims to be a supervisor and XXXX we spoke I requested to speak with her supervisor. I truly feel she is doing this because she can and for no good reason, as the initial transfer request is moot.
Product: Credit card or prepaid card

Apple Card/Goldman Sachs holds payments for 10 days before applying them to your account. They receive the money from your bank, mark the transaction as complete in your account, but refuse to apply the payment to your available balance for up to 10 days. For no rhyme or reason. When you contact them about it they don't give you a sufficient reason. They say it depends on your payment, account, and bank. Then they try to push you into using their product Apple Cash in order to get your payment credited immediately. 

I have never had a credit card tell me that paying directly from my bank, especially after they've already received the money that it was a problem. 

This is an issue and the ambiguity around who they are making wait 10 days questionable. I did XXXX this issue and found people complaining about 3-5 days lag times but never 10 days like me.
Product: Debt collection

More than several times this company has been toying with my credit reports and listing and delisting this collection account on my credit report i have complained several times to this agency about their illegal practices, at this juncture I will like this company to be reported to the FTC ( PORTFOLIO RECOVERY ASSOCIATES ) for abusive practices, and numerous violations of FDCPA rules. In a previous complaint number XXXX that has been closed, the company removed the false reporting from the credit bureaus but continued to send me notices and i responded to their notices the same way i have in the past they have then said they have already responded to me and now considered this matter closed, but again i check my XXXX  credit report today XX/XX/2020 and see they have AGAIN resisted and placed this collection item back on my credit report after the removal It seems that PRA only removed the item to have the original complaint closed only to relist it again on my credit report. The LAST LETTER i received from PRA was DATED XX/XX/2020 and not even 2 weeks later they are again reporting this false item on my report without even waiting 30 days for a response yet again another violation from this agency, and when i do respond they are basically telling my response will fall on deaf ears as they now consider the matter closed. I have no debt with THIS collection agency. I have not agreed to the " assignment '' of the debt in writing or verbally. I have not received goods or services ( consideration ) from this collection agency. Your agency has sent a letter deeming this matter closed as your agency removed the account from my report and to date I find it relisted for the more than fifth time on XX/XX/2020, I will be taking more aggressive action against your agency, If your ( PRA ) agency fails to immediately remove fraudulent reporting on my credit reports which will result in a suit for monetary damages. I request that you and your agency provide me with the following good and valid evidence that is provable in a court of law : 1 ) a valid copy of the original SIGNED contract with the original creditor or an original written confirmation of evidencing the transaction resulting in the indebtness to the original creditor. Computer documents or a bill or electronic evidence created after default on the indebtedness shall not qualify as such documentation. 2 ) a valid copy of the original statements from the original creditor showing the balance amount of the debt owing ; 3 ) A letter/contract of assignment attached with proof from the original creditor to PORTFOLIO RECOVERY ASSOCIATES, LLC that grants PORTFOLIO RECOVERY ASSOCIATES, LLC the authority to legally collect on the debt ; I have not agreed to the " assignment '' of the debt in writing or verbally. 4 ) Proper and complete written notice concerning the debt ; 5 ) Valid proof from the original creditor of my clear consent to disclose my personal and business information to your agency a third party.
Product: Prepaid card

When is this bank going to be done XXXX  XXXX and making extra not needed stress in my life and taking uo my time with all the phone calls and repedly verify in my self in person if that but that's not the end of it I been talking to the bank ever day on Monday the third I get my statement in the mail saying my act was at a bal of XXXX I call the next day antbyhe agent asked me if I was aware that there was XXXX dallrs left in my act so I tell them that it's not one they make a mistake that my bal was XXXX and it was XXXX  my money they transferred me to a supervisor and they say it is my money I ask how they say it was from adjustment to my act well I never got any notic of it nit at all my statement sat my bal is XXXX? I ask how that was possible I find out they deposit that money into my act when it was closed and never say a word to me about it not at all I fod nit thinknit was even my money? When are they going to make everything wright and stop putting me through more and more when will this end I file I'd theft reports I contact the cusumers protecton agent'sy I wright and notarize two afadavits because they say that's how I can get them to hurry up on my claim and none of which seemed to do any good the lady calls me leaves me her number I call and a voicemail is all I can get and I sitt here waiting again in hopes this will all come to a end and when will I finally get all my money back it took three years to get back the first part and still fighting for what I'm paying taxes on and that belongs to me to start with this is all way way to much
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX The Credit Bureaus are reporting 30-days late for XXXX. 
XXXX previously said we were 30-days late for XXXX, not XXXX & submitted a negative mark for it. 
We requested COVID assistance in XXXX from XXXX for both cars we have with them. They only processed one then ( not this one ). We had made a payment on XX/XX/XXXX. 
We made a payment for this car on XX/XX/XXXX over the phone with an XXXX  collections rep. The rep acknowledged that there had been a delay processing our COVID deferral request. The payment made in XXXX would apply to XXXX & all late fees would be waived because it was their fault for the delay. The rep also said thered be no impact to our credit. 
We filed a dispute on XX/XX/XXXX after it came to our attention that XXXX had filed a negative mark on us. 
On XX/XX/XXXX we spoke w XXXX  who said the issue was being worked on and would be resolved in 2-3 days & apologized for the inconvenience. XXXX  confirmed on the same day that they had yet to hear from XXXX. 
We followed up w XXXX on XX/XX/XXXX who confirmed that the late mark would be removed & a credit correction letter emailed to us confirming this. It would be sent within 48hours. 
On XX/XX/XXXX, we still had not received the email & followed up w XXXX. The XXXX rep said that because of legal issues relating to credit bureau reporting they could not email the credit correction letter to us but would mail it to us no later than XX/XX/XXXX. 
On XX/XX/XXXX, we still had not received the letter & followed up w XXXX. We spoke with 3 different reps on XXXX. The first said that they actually could not legally send us the letter but that an update was sent to the bureaus on XX/XX/XXXX removing the late mark. XXXX suggested we follow up with the credit bureaus which we did only to be told they had not receive an update from XXXX removing the mark. 
We lastly spoke w XXXX  Subject Matter Specialist, XXXX XXXX. She checked with their collections team & confirmed our story. XXXX also confirmed that XXXX  credit dept had auto/manually corrected the late payment mark & the account shows no late payments in its history & in good standing. This update was supposedly sent to the bureaus on XX/XX/XXXX removing the mark. 
XXXX  still shows a late mark on the account. Pretty absurd given the strict rules around COVID deferrals.
Product: Debt collection

Since XX/XX/XXXX I have tried to communicate in writing with XXXX XXXX and their hired company namely, Johnson Mark, LLC. I have largely been ignored and would love for them to respond to my many letters since XX/XX/XXXX the last one dated XX/XX/XXXX. They continue to say that I have late payments yet they will not respond to my requests to negotiate the overly fee inflated balance they have incurred on me. I simply would like to negotiate the remaining {$2400.00} I owe this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Heres the police report case number # : XXXX from XXXX County Sheriffs Office. The following accounts and hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Card, XXXX XXXX XXXX, XXXX XXXX. The accounts are not mine and dont belong to me. The Collection account XXXX XXXX is fraudulent. I been receiving harassing and threatening phone calls of death threats, threats of arrest and being put in prison, profane language from XXXX XXXX for a debt thats fraudulent and dont belong to me. XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ). XXXX, Experian and XXXX XXXX previously deleted the XXXX XXXX XXXX account from my credit report as fraudulent a few months ago.
Product: Mortgage

OCWEN LOAN SERVICING MODFIED MY HOME LOAN, FIRST AND SECOND SEVERAL TIMES OVER A TWO YEAR PERIOD. MY DEBT BALANCE WAS PARTIALLY FORGIVEN IN CONJUCTION WITH THE IMPOSED SANCTIONS AGAINST OCWEN. TODAY, LATE PAYMENT REPORTING IS ON MY CREDIT, AFFECTING ME IN VARIOUS DEGREES. I WISH OCWEN TO REMOVE THE LATE PAYMENTS FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX Account # XXXX Request for Debt Verification Page To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX v.XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, Experian or XXXX ) this action might constitute fraudunder both Federal and  State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Mortgage

My mother passed away XXXX. She had the mortgage with XXXX XXXX, then it was changed to XXXX XXXX, then changed again to Nation Star. My mother had XXXX mortgages. The first XXXX she didn't know, so she did pay for and file homestead with local government. So she borrowed money again and refinance with whichever one of the names of credit company at that time. She had took out the insurance to pay off loan if something would happen to her, so I would always have a home to care for my XXXX  brother. When so did the second mortgage she told me that she had taking out the insurance again with the loan. Now that she gone, I can't find the paperwork and mortgage copy says theres no extra insurance. I need help