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

I was granted a Covid relief program from XX/XX/XXXX until XX/XX/XXXX with Oceanside mortgage service. During this time, Oceanside has changed service providers. I began getting notices saying my account was past due, and they would pursue legal action if the mortgage is not brought current immediately. I called and was told to disregard the notices and don't worry. Then in XX/XX/XXXX prior to me having to make my 1st mortgage payment in XX/XX/XXXX, I was sent modification paperwork to change the terms of my mortgage and roll over the forbearance months payments into the mortgage creating a new payment increase of over {$100.00}. I was ok even though I was initially told that the payments would be moved to the back of the mortgage and the payments would stay the same initially. So, I submitted the paperwork through XXXX mail in that was sent to me, and expected to make my 1st new payment in XX/XX/XXXX XXXX. Every time I go to the new servicing website, it says I have to call because my account is so far past due from XX/XX/XXXX. When I call, the new servicer states don't worry, we are still waiting on the documents and account information from the old servicer, disregard all past due mail correspondence and it won't go against me. Then this week, I was reported more than 120 days past due to the credit agencies and my credit score has gone down over 40 points. I really keep trying to pay everything on time and communicate with XXXXceanside, and 2 years prior to this, Oceanside gave me a forbearance for 3 months and stated it wouldn't count against me because we were in a bad car accident, then it went on my credit as a negative mark anyway. I filed a XX/XX/XXXX dispute and the CFO of Oceanside supposedly said they would never say it wouldn't go against me and they wouldn't agree to this during that time of my car accident. I gave up because I just wanted to get away from this mortgage company. This time I have the paperwork that states what they agreed to with this Covid relief plan they offered me. I am trying to get away from this company and find a new one and they keep putting negative marks on my credit so I am stuck with them. Can someone please help me, I am a healthcare worker with a XXXX wife and daughter that is fighting for my credit to be accurate and nobody is helping me.
Product: Credit reporting or other personal consumer reports

XXXX account number XXXX is not mines. I'm a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to get a charge off removed from my credit report called XXXX  XXXX  {$4100.00}
Product: Payday loan, title loan, or personal loan

Just got a call on my landline on XX/XX/2022, from XXXX, calling themselves Mediation Recovery Services. Had the same message everybody else is describing. When I called back on my cell phone, I spoke with someone named XXXX, from now XXXX XX/XX/XXXX, who claimed I had an outstanding payday loan from a place called direct cash loans. To my knowledge heard of this company and haven't taken out a payday loan as of late. The last time I took one out was over 15 years ago, and to my knowledge it was taken care of. Also, in the state of Pennsylvania, there are no payday loans allowed, so I am very much questioning this. I continue to ask her questions, in particular about their address, tried to find a website, but she would give me nothing, and said they would send me something in 10 to 15 days, and hung up on me.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Complaint Regarding Fraud, Data Breach, and Request for Remedies To Whom It May Concern, I am submitting this formal complaint regarding fraudulent activity and the unauthorized disclosure of my personal and financial information, which has resulted in significant financial harm and damage to my credit profile. Pursuant to all applicable federal and state consumer protection laws, I request the following remedies : 1. Monetary Damages Compensation in the amount of {$4500.00} for financial losses, distress, and related harm suffered as a result of the fraudulent activity and data breach.

2. Credit Restoration The immediate correction and restoration of my credit profile to its pre-incident state, including the removal of any fraudulent or inaccurate entries.

This request is made under the following statutes : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. : Requires consumer reporting agencies and furnishers of information to investigate and correct inaccurate or fraudulent information on credit reports.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq. : Prohibits debt collectors from attempting to collect fraudulent debts and mandates that any disputed debts be verified. 
Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801-6827 : Requires financial institutions to protect consumer data and notify individuals in the event of unauthorized access.

Identity Theft and Assumption Deterrence Act 18 U.S.C. 1028 : Criminalizes identity theft and provides for restitution to victims.

Electronic Funds Transfer Act ( EFTA ) 15 U.S.C. 1693 et seq. : Provides protection against unauthorized electronic transactions resulting from fraudulent activity.

Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq. : Requires creditors to provide accurate disclosures and correct fraudulent transactions. 

The above laws establish my right to an immediate investigation, corrective action, and appropriate remedies. I expect the responsible parties to be held accountable and for my financial standing to be restored. 

I have enclosed any relevant supporting documentation and am prepared to provide additional information as necessary. Please advise on the next steps in the investigation and resolution of this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

Jared the Galleria of Jewelry-continuos calls to employer after repeatedly requesting that they not contact me through my employer. Has contacted me XXXX6 times after requesting that the contact me on my cell. Pretending to be my clients in order to get me on the phone. Leaving voicemails on a publicly accessible phone at my company.
Product: Debt collection

Today, I was reviewing my bank statement and discovered a draft by Todd, Bremer & Lawson ,  Inc for {$900.00}, dated XX/XX/2021, which I was never billed for and NEVER AUTHORIZED. 

I called the number listed on my bank statement for your company XXXX ; and after I explained the situation to a Customer Service Rep, she hung up the phone. 

I called my bank who holds the Debit Card which you used to steal the money from me and started a fraud claim. 

Todd, Bremer & Lawson , Inc accesses my bank account and without my permission, authorization neither verbal or written STOLE {$900.00}
Product: Checking or savings account

I can not access my online checking and savings despite several attempts to reset my password via email /text message conformation. However I was sent an email of a over drawn balance although I did not have any account activity.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the ongoing and egregious violations of my consumer rights by XXXX, Equifax, and XXXX. Upon reviewing my credit report, I have discovered numerous instances of personal information being reported without my consent, including fraudulent accounts, unauthorized addresses, incorrect names, and inaccurate dates of birth. Despite my repeated attempts to rectify these issues by reporting them to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the respective credit reporting agencies on more than XXXX occasions, the problem persists. Each time I bring these matters to the attention of the relevant authorities and companies, temporary remedies are applied, only for the same inaccuracies to resurface on my credit report shortly thereafter. This pattern of behavior has not only caused undue stress and inconvenience but has also put my financial well-being and personal security at risk. It is unacceptable that these companies continue to disregard my rights as a consumer and fail to uphold their obligations under the Fair Credit Reporting Act ( FCRA ). Attached to this correspondence, you will find documentation supporting the validity of my claims, including correspondence with the aforementioned agencies and evidence of the recurring inaccuracies on my credit report. I urge you to take immediate action to address these issues and ensure that my consumer rights are upheld. I expect a prompt and thorough investigation into this matter, as well as the implementation of measures to prevent similar occurrences in the future. Thank you for your attention to this matter. I look forward to your timely response and resolution of these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in touch with XXXX multiple times and they do not want to clarify on my claim due to the fact that my identity was breached in the 2017 XXXX XXXX XXXX scheme and then my name has been traded in foreign capacities that I was unaware of as as well as domestic I do not agree I do not consent and I didnt definitely did not receive compensation for any of the activities and has ruined my life completely now I demand a remedy as of what I state in my resolution statement and I promise its all in good faith because I pledge allegiance to the flag of the United States of America and to the republic for which it stands one nation under God indivisible with liberty and justice for all amen
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Furthermore the above accounts were created without my knowledge and I demand that the attached account be permanently removed from my credit file.
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of t
his title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX   XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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. Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX  XXXX XXXX XXXX Act Name : XXXX  XXXX, XXXX Act Name : XXXX, XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. To Whom It May Concern, I am writing to dispute a discrepancy that I have discovered in the PAYMENT HISTORY section of my credit report related to the following account : XXXX I have noticed that this account is still being reported as having a payment history each month when it should not since this account is being closed. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights Act Name : XXXX  XXXX XXXX, Inquiries : XXXX XXXX, Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant ty 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawf authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 


By obtaining my CREDIT BUREAU consumer report on DATES without my permission without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( " FCRA '' ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not initiated any transaction with The following companies please remove thes items IMMEDIATELY : LIST INQUIRIES FROM THIS SPECIFIC CREDIT BUREAU } XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pursuant to 15 U.S.C. 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. '' By willfully violating the FCRA, I am willing to settle your civil liability damages have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter before tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days. receipt of this notice and demand, I will seek actual damages which are ( reater than {$1000.00}. 



Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Bankruptcy File XXXX Request to have this information removed from credit file. 
Reported XX/XX/XXXX Dear Sir/Madam, I believe the reporting of this account has expired. This bankruptcy was filed as a result of the illness of my spouse who has since died. At that time we had no insurance. 
I have requested in writing to all credit reporting agencies in writing, letters dated XX/XX/XXXX.
Product: Credit card

I searched this bank and found no results on XXXX. The body of this letter from Comenity Capital Bank drew red flags.
Product: Debt collection

I received a notice vie mail that a complaint has been filed in the Superior Court of California XXXX XXXXXXXX XXXX XXXXXXXX by XXXX XXXX of The Moore Las Group for XXXX XXXX XXXX. Re : unpaid debt of {$3000.00} on a XXXX XXXX XXXX XXXX XXXX credit card. I have never had this card. Neither XXXX nor XXXX XXXX XXXX XXXX has any record of a card issued to me or of this debt. There is no record of this debt on any of my credit reports. I have never been notified of this debt. 

This appears to be a false filing by The Moore Law Group to extort money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car loan and received varying information from the credit bureaus and the services who monitor my scores like XXXX and XXXX XXXX. 

XXXX XXXX  which has which has a service called XXXX XXXX, shows my score of XXXX, XXXX has a service called XXXX XXXX showing XXXX. 

If I go to XXXX which I have a paid service, it shows XXXX, XXXX XXXX, Transunion XXXX. They all have the same negative items and a lot of bad information all together. 
Old and closed credit cards done in XX/XX/XXXX when I lost my job, based on a bad economy. 

First off, how can they vary so much with the same information? 

I sent a dispute letter to all three service, based on items that were 10 years or older and bad addresses and wrong past employers. 

Items 8 to 10 old should not appear according to Fair Credit Report Act. 

The 3 bureaus replied to those Disputes stating I made payments several years after they were closed, which is totally false. 

Household Income went from a XXXX to XXXX so I could not make any payments having just enough money to make mortgage, car and insurance payments, utilities essentials and food never mind payments to credit cards. 

I was out of work about 4 years and could not make payments to any of those cards at any time. 

I can't help but think they make false payment statement to keep the negative items on the reports as long as they possible can, and the varying scores and information like addresses, employers proves their inefficiency. 

If they are all monitoring the same information how can they be so different, and false. 

Please help because they are once again like our banking industry getting out of control, can't help but think its based on the present administration.