23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX AM ( XXXX minute ago ) to me I hereby give you official notice that I have been subject to your company 's improper management of my private information, which has been distributed to parties unknown to me, for profit, without my consent or breached by malicious hackers. Being that I have the inalienable right to 100 % control and protect my private information, I am hereby proclaiming that your company no longer has the right to right to use my private information in anyway unless you get consent from me by calling XXXX or emailing me at XXXX. 

YOUR COMPANY NO LONGER HAS THE PERMISION TO PARTICIPATE IN THE FOLLOWING ACTIVITIES WITHOUT CONTACTING ME VIA EMAIL OR PHONE FIRST : 1.Storing and Furnishing my information without my VERBAL/WRITTEN consent without first calling me at XXXX or emailing me at XXXX. 
2.Using, supplying OR updating my information without my VERBAL/WRITTEN consent without first calling me at XXXX or emailing me at XXXX XXXX 
3.Selling my information without paying me first and calling me at XXXX or emailing me at XXXX I demand all on the grounds that all of my information is private and inherently belongs to me with all rights reserved by me, to me and me only. I repeat you must contact me before DOING ANYTHING with my private information at XXXX or emailing me at XXXX XXXX 

Also, I resend/void all consent for you to use my information I any way, rather its written, spoken, or implied, given unknowingly/knowingly, from me. If you claim that your company has such claimed consent, I contest that such was granted unknowing and/or I did not fully understand the terms and I was not issued full/clear/intelligible disclosure of such. Such a method of gaining consent is unscrupulous and fraudulent in nature ; hence I challenge the grounds in which you use to gather such illusive " consent '' from un expecting consumers as myself. 

I demand a report of all information that you have on me and a list of parties who you have furnished such information too without my consent. 

I will not furnish you with an address because I do not have XXXX ; as I am currently XXXX XXXX XXXX. If you try to force me to produce an address to correspond with me or allow access my information, please be advised that such is discrimination against a XXXX XXXX XXXX person, and I will immediately report such. Company policy does not supersede rights and protection laws. My contact information is XXXX or emailing me at XXXX. This is all I have and all you will get. 

Attached is Identification to Verify my Identity : Military ID : Front and Back Passport Social Security Card
Product: Credit reporting, credit repair services, or other personal consumer reports

FAIR COLLECTIONS & OUT ACCT # XXXX Amount {$5900.00} Requested verification, disputed online with credit bureau to the collection agency stating that I dispute the validity of the debt and that I want documentation verifying the debt. If the debt can not be validated by the collection agency, must remove from credit report within 30 days.
Product: Credit reporting or other personal consumer reports

I request the removal of these inquiries. I have no knowledge of this, and the company acted without my consent.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Credit Collection Services Address : XXXX XXXX XXXX XXXX, MA XXXX Account numberXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Dear Credit Collection Services , I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I have consistently disputed the inaccuracies in the provided information with Experian, and XXXX ; regrettably, the matter remains unresolved to date. 

Experian : 1. The following personal information is incorrec Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2021 2. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX  XXXX Account Number : XXXX Please supply information on how you have verified this item XXXX : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 2. The following personal information is incorrect Employers : XXXX XXXX  3. The following personal information is incorrect Employers : XXXX XXXX 4. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX  XXXX Account Number : XXXX Please supply information on how you have verified this item.
Product: Credit reporting or other personal consumer reports

I have multiple inquiries that I did not authorize, I called the company and the credit bureaus and had no resolution. The companies are XXXX XXXX CIC Credit, XXXX XXXX CIC CreditXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CIC MTGXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Address XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX is not my address. I have never lived there and I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is continuously reporting inaccurate erroneous information on my credit report i have asked them on numerous occasions to correct it and they have refused to stating that it has been verified through XXXX i have attached a copy of my XXXX report and it does NOT reflect a bankruptcy being reported on there
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been using my information to obtain loans and other forms of credit. Despite the fact that I have reported this activity to the credit bureaus, more accounts are appearing on my credit. Recently I received an alert of yet another account ( XXXX XXXX XXXX  ) that appeared on my credit. I would for the credit bureaus to investigate and remove the errors from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

JP Morgan Chase is reporting, as of XX/XX/XXXX, that I was 180 days late on my mortgage payments. I dispute this notation and would like them to remove it. 
I was in a loan modification program with Chase beginning XX/XX/XXXX, and was out and in of loan modification for a period of 2 years. 

I sold the house and paid off my mortgage in XX/XX/XXXX. 

I would like this false reporting removed from my credit report. 

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

I have had a loan from HSBC. 

The monthly payment has been through Direct Debit for the past 13 years. 

HSBC made me a change of terms offer which was ambitious at best. Without replying to my questions, it stopped the Direct Debit and then reported me as late, ruining my credit. My credit score fell by 250 points as a result. I can no longer borrow. 

HSBC is saying it has taken steps to fix it but I can not trust HSBC ; I think that the problem is systematic
Product: Credit card or prepaid card

Wells Fargo Bank has denied me a credit card even though my credit score is above XXXX.
Product: Debt collection

XXXX XXXX Enhanced Recovery Company , LLC is still reporting negative account in all XXXX of the credit reporting agency. I have showed them proof that I have paid my account in full, they have investigated and wrote me a letter of apology and promised to contact all XXXX credit bureau to delete my account. 
I have the email letters from comcast to confirm my account was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.
Product: Debt collection

This is my second complaint against MDS. The most important of my complaints is that this company failed to provide a signed HIPAA Business Associate agreement between the original creditor and their authorized rep which means that they are clearly in violation of the HIPAA Privacy and Security Rules. I requested this document in my previous complaint through CFPB as well as in my second letter sent directly to MDS. Secondly they placed this unverified debt on my credit reports without making any efforts to contact me. I was only made aware of the debt when I took the liberty to check my reports. This companys collection and communication practices are evasive and deceptive and I would like for this company to please remove this negative account.
Product: Credit reporting or other personal consumer reports

Reviewed most recent credit report from ( insert credit name ) and I noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 
After contacting the CRA I was meant with push-back even though I expressed the inquires in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

Per 15 USC 1681b ( 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 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Identity information had previously been compromised and used to open several accounts and inquires without my permission. This one of them and is a fraudulent account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX auto loan XXXX opened- XXXX I 've currently submitted an identity theft report to The Federal Trade Commission as well as disputed this account with three credit bureaus.
Product: Debt collection

I was in a car accident in Texas on XX/XX/XXXX. Cause and Liability was in dispute. Statute of limitations expired XX/XX/XXXX. There was no lawsuit or court adjudication of liability and all potential claims against me expired. XXXX XXXX at National Commercial Services, a debt collector, working on behalf of the other driver 's insurance company is still trying to collect a debt that is not owed and ran my credit report at XXXX on XX/XX/XXXX. She continues to threaten a lawsuit when no longer possible. During calls, she misquotes the law stating that the cause of the accident is not relevant because I did not have insurance. Texas Rules of evidence 411 says lack of insurance is not a factor for proximate cause, and Texas civil practice and remedies code 33.001 states a party can not recover unless the other party is more than 50 % responsible for causing the damage. Also, 16.003 gives the 2 year statute of limitation. Her false representations of the law were an attempt to coerce a payment that was not owed. Most importantly, she accessed my credit report without permission and without having authority.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX, XXXX, and Equifax there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND CREDITOR HAS NO CONTRACT OR AGREEMENT TO HAVE MY PERSONAL INFORMATION PLEASE REMOVE IT XXXX XXXX XXXX Account # XXXX THIS ACCOUNT SAYS I AM 30 DAYS LATE BUT I HAVE NEVER BEEN 30 DAYS LATE PLEASE REMOVE LATE PAYMENT MARK ON XX/XX/2018
Product: Debt collection

I have disputed this company known as ( Syndicated Office Sytems, also called Central Financial Control collection company same phone # XXXX ) these are the accounts # XXXX,XXXX,XXXX,XXXX, XXXX. I have called on many occasions I was asked what is your address connected to these collections? I said I have no idea, I do not know you they hung up on me. Other calls they say they can not speak to me because there is attorney name on file, after many calls I got my attorney 's office to call they did them the same way could not talk without my permission, they did say these bills are part of my insurance deductible, not true I do not have a deductible. They donot have address with these bills every address I give they tell me it is the wrong address or my phone numbers.Syndicated Office Sytems keep insisted I pay these debts that can not be proved they are mine. I am helpless & caught in a catch 22 please help.! It is amazing with the Hippa Laws they are able hold credit hostage with out truly being able to prove these debts are mine. XXXX has enabled all of this because they contributed to allowing 7 disputes this company has failed to send me any proof yet what is XXXX receiving to keep them iaacuratly on my credit file? My score can not get any lower, I have been denied credit and I am paying a huge homeowners policy .i want these inaccurate reports removed from my credit files ounce and for all Than you
Product: Money transfer, virtual currency, or money service

Hello my name is XXXX XXXX and I had made some transactions regarding a service I was expecting. Further along the lines I ended up finding it was a fraud/scam and immediately contacted my bank when I learned about it. I made a claim/dispute with my bank regarding the fraudulent transactions made and they said they can not refund my money because I authorized the purchases and agreed. I have been scammed and lost exactly XXXX. If I were to have know the sooner about the fraudulent services I would have never allowed the transaction to be processed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite of my previous complaint, I am submitting this CFPB Complaint again to dispute the accuracy of my credit report. As I reviewed my credit file there are still inaccurate items that are still continue reporting on my file. I am asking for your assistance in removing charge off accounts from my credit file. These accounts have been reported inaccurately, which is negatively impacting my credit score and financial well-being. Despite my attempts to resolve the issue with the creditors, the charge off accounts remain on my credit report. Kindly remove the following items : XXXX XXXX Balance Owed : {$0.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy ; XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately ; XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. ; XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Vehicle loan or lease

Inappropriate sell of title. to Arbitration Clause my repo was done in a ILLEGAL matter, as the debtor i was mislead in the purchase of the vehicle contract at hand, between seller and assignee. After signing the contract with a down payment to the dealership the vehicle was paid off with my Vehicle Identification Number stated in the truth in lending disclosures, which was purchased for household use. This purchase was made Violating Federal Truth in Lending Act, 16 CFR 433.3, and or FINRA. ANY CLAIMS MADE AGAINST ME WAS SUPPOE TO BE DONE PROPERLY IN DOCUMENTS TO ARBITRATE BEFORE REPO.
Product: Debt collection

My deceased mother established this account l have attempted to dispute this account several times. The company will not give me any information because its in my mothers name. Im trying to but my just home and this item is hindering my progress.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$7700.00}
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on

Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to release my security freeze at Experian using their website. This was impossible as there was no way to search or to navigate to such a page. Next I tried calling the Experian help line. I tried several different numbers. Each took me to an automated prompt system that did not have an option to release my security freeze or an option to allow me to speak with an agent/person. 
I finally searched the web and found an Experian page for security freeze. However, it would not allow me to " thaw '' my credit. I had to print out the page and mail in a bunch of documents to Experian in XXXX TX. I am not sure if Experian will notify me when my credit is accessible or if I will have to keep checking their website. 
Absolutely, terrible customer service. Of course, on their website they kept trying to SELL me on a XXXX XXXX as being better than a security freeze when in fact they do the same thing. What a total waste of my time. And this is the company that controls my credit score.
Product: Money transfer, virtual currency, or money service

My bank account was hacked and compromised my bank account password was changed I received an email from my bank asking if I made the changes to my account I responded XXXX immediately after saying that i made no such changes a few hours later XXXX $ was transferred out my account to someone else debit card my funds were transferred from my savings into my checking without my knowledge or consent my email address had been changed on my account without my knowledge or consent and fraud department never contacted me once or provided protection for my account & when I reached out to the customer service at the bank they were rude I was threatened to be hung up on my account wasnt closed out until the third time I called because funds were still being transferred out of my account
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX This is not my fault! I never stay here! 
Fraud!!!!!
Product: Debt collection

Professional Accounting Management is reporting false information on my cr4edit report. I contacted the company ( XXXX ) XXXX to be told that they are unable to pull anything up under my name, thus being unable to address the issue