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

In accordance with the Fair Credit Act Reporting act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has 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 states a consumer reporting agency can not furnish an 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 or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXXXXXX 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. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I have had numerous conversations with numerous employees about a transaction that was incorrect. I have been trying to get this corrected since the end of XXXX to see how to correct this error. I was finally told that documentation needed to be sent by the bank that needed to say the funds were for me and should not be sent to the requesting bank. I had XXXX XXXX fax a statement stating these funds were mine, I had a XXXX of a US Bank XXXX follow up to make sure they had what was needed. She was told they did have everything they needed to address this situation. In following up again today I was told they did not receive the information even after the XXXX I have been working with was told everything was fine. I need help getting a truthful answer and this situation corrected. I am extremely frustrated as I don't believe the fraud investigation team is honest or interested in putting this to rest.
Product: Mortgage

I apologize as i have filed numerous complaints and the most recent one just concluded, I just paid my XX/XX/XXXX payment on XXXX XXXX via the Ditech website, I specifically paid {$2100.00} plus an additional {$100.00} to be applied towards the principle, for some odd reason, Ditech applied {$2200.00} towards the principal and left {$15.00} in the suspense, Why? i wont call because they do not help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company listed is in violation of the fair credit act, they continue to report to each of the credit bureaus false and inaccurate information. 

what they are listing is that I resided at an address that I have no association with, ( XXXX XXXX XXXX XXXX XXXX PA XXXX ) it is not listed on my credit report, therefore they are in Violation of reporting. 

I have mailed proof, federal documents to have the item removed and it is still reporting as negative and needs to be removed as I will be filing legal action. 


I again have attached my proof of residency as well as my federal documents proving my identity and address.
Product: Debt collection

I've been unable to reach the original creditor that sold this account to Orions Management Group in the amount of {$550.00} On XX/XX/2021 without any notice or phone call, Orions Management GR opened an account with XXXX  alleging I've been in collection with their firm for 2 years and 8 months damaging my credit.
Product: Credit reporting or other personal consumer reports

whom concerns On XXXX I got a FTC report because I noticed fraud on my consumer reports. I noticed several names that were inaccurate personal information, such as my address, name, and telephone numbers, on your consumer report. You have a right under the Fair Credit Reporting Act ( FCRA ) to have accurate information on your consumer report, address, and phone numbers in my consumer file. I XXXX XXXX ( consumer ) did not authorize or provide written instructions for these accounts, indicating potential fraud and violations of your consumer rights..Under 18 U.S.C. 1028, 1028A, and 15 USC 1681q, XXXX has committed Aggravated Identity Theft and other violations. Title 18, U.S. Code, Section 1028 : ( a ) Offenses : ( 7 ) Aggravated Identity Theft : You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

15 U.S. Code 1681q : You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

Based on the provided information, you have correctly identified the offenses committed under these sections. Aggravated Identity Theft and unlawful possession or use of a means of identification are serious violations with both criminal and civil penalties. You have the right to dispute the accounts associated with these offenses and seek appropriate legal action. the law says you have 4days of receipt to block all information that was fraudulently reported I didn't ask for any verification but they took the law into they took the law into hand because they think company policy is over the law
Product: Credit card or prepaid card

the casino i went to there cash machine was n't working so they voided the transaction and i NEVER signed anything and they put an X to show me it was voided no capital one denied my dispute and are charging me for something i never did saying it was signed i never signed and needs to be credited this is fraud
Product: Mortgage

During my loss mitigation application process, I contacted Ocwen at regular intervals in order to understand my loss mitigation options and understand the status of my loss mitigation application. On Thursday, XXXX XXXX I made three attempts to contact Ocwen. Upon each of four initial contacts, a representative transferred me to the Ocwen short sale department. During my call at XXXX XXXX XXXX XXXX XXXX XXXX XXXX A recorded message answered at the short sale department and explained that Ocwen business hours were between XXXX and XXXX and then my call was disconnected. Because the call was between those business hours, I could find no reason why my call was not answered. On Friday, XXXX XXXX, I had the exact same situation occur at XXXX XXXX and XXXX 

I believe that there is a system error at Ocwen that is resulting in an unfair practice to me. I have no control over their automated system, or errors that it perpetuates by hanging up on borrowers. I was disconnected XXXX TIMES when trying to obtain information on my loss mitigation application. This resulted in delays getting me information about my application. If Ocwen does not have a glitch in their automated system, they do not have appropriate phone system procedures in place to route calls appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax told me that they " may '' have shared my social security number, information and financial and credit information with an unauthorized private individual due to their lack of proper security measures. My credit is now compromised as well as my private personal information. I have also started to have hundreds of dollars of unauthorized uses hitting my credit cards requiring me to cancel credit cards and go through repeated attempts at trying to challenge a large number of charges, having my financial stability put in jeopardy and my credit negatively impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  endeavor to tell you that I am a XXXX  of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX BANK XXXX XXXX Balance : {$35000.00} XXXX BANK XXXX XXXX XXXX : {$35000.00} XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Debt collection

It was very unfortunate that the person on the call from Collection Bureau of America was very rude to the point that he did not listen to the details. I am sending the details again for the benefit of all stakeholders. 
XXXX XXXX was supposed to provide a credit of {$50.00} as part of first time discount when we started the services. Numerous calls and emails ( see the attached email communication ) did not result in any resolution. On top of it, they stopped the water supply since last XXXX months which has caused great inconvenience to my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax dropped my credit score 56 points to XXXX on XX/XX/2019. The only change that happened during that time is I paid {$70.00} to my XXXX XXXX XXXX  credit card. My score just prior to that on XX/XX/2019, was XXXX. I contacted Equifax on XX/XX/2019, asking why they lowered my score when it should have been increased from reducing my overall balance. The supervisor, XXXX, at Equifax looked into my account and confirmed that she did not see any reason why it should have been lowered. She created a complaint ticket for me, # XXXX. She also mailed me my credit report. I waited one month and called Equifax on XX/XX/2019, to follow up. XXXX could not tell me any additional information and there is nothing further she can do. I will call FICO XXXX next to see what can be done. As of today, there is still 50 points difference between my Equifax ( XXXX ) and XXXX  ( XXXX ) scores. There is no justification or accountability of why Equifax lowered my credit score.
Product: Payday loan, title loan, or personal loan

Upon reviewing information regarding my Self Lender loan I noticed that I had a pending transaction that I did not authorize on Friday, XXXX XXXX, XXXX in the amount of {$50.00}. On Tuesday, XXXX XXXX, XXXX I did authorize a payment in the amount of {$48.00}. So I called my bank to determine if they had a transaction pending from Self Lender in the amount of {$50.00} and they could not find the pending transaction that was listed on my Self Lender account. I also learned that my account was overdrafted because of a withdraw from Self Lender. So I then called Self Lender 's XXXX number to have the transaction stopped because I did not authorize the payment on XXXX XXXX and did not want to pay any additional fees. I was put on hold for over 10 minutes twice and the phone call was never answered. I contacted someone on chat on the website and received an answer. While speaking the XXXX ( I believe ) I was informed that a transaction could be pending for two to four business days before it is withdrawn from your account, that it could take up to seven day for it to update on the website and that the transaction could not be canceled before the representative rudely disconnected the chat message with me. When I attempted to use the chat again it says that it was unavailable and the office was closed. This is the second time in a row that Self Lender has held a payment until my account balance is low and attempted to withdraw funds. I believe it is in an effort to collect late fees and insufficient funds fees.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Subject : Cease and Desist Request Regarding Debt Collection To Whom It May Concern, This letter serves as a formal notice to cease and desist all collection activities related to any alleged debt associated with my account. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and I hereby request that you cease all communication with me regarding this matter, except as permitted by law. 

Case law has affirmed my right to request the cessation of debt collection communications. In Daugherty v. XXXX XXXX XXXX XXXX, 836 F.3d 507 ( 5th Cir. 2016 ), the court ruled that a consumer 's request to cease contact must be honored by the collection agency to avoid further violation of the FDCPA. Any additional communication that is not expressly permitted constitutes a breach of my rights under federal law. 

Additionally, the case of Clark vXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 460 F.3d 1162 ( 9th Cir. 2006 ) reinforces the consumers right to privacy and the obligation of debt collectors to honor requests for cessation of contact. Ignoring this cease-and-desist demand will constitute harassment and a violation of the FDCPA.

Please be advised that failure to comply with this notice may result in further legal action. This could include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing other remedies to protect my rights.

Thank you for your immediate attention to this matter. I expect written confirmation that you have received this cease-and-desist demand and that you will comply with it accordingly. 

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

I am a victim of Identity theft. The Discover Credit Card on my credit report is not my account and should be removed from all reporting agencies.
Product: Credit reporting or other personal consumer reports

I am requesting that XXXX discontinue furnishing information for account XXXX XXXX due to the account being over 7 years old. Transunion is also reporting the account as " unrated or bankruptcy '' which is further hurting my credit rating. This account was never a bankruptcy account and the Date last active as well as the close date was 2015. I am requesting that this account be removed within 21 days due to FCRA violations and negligence. At this time, I will not be seeking litigation, but I will be moving forward with small claims court if this incorrect reporting is not updated.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX XXXX XXXX in XXXX Texas sold solar panels to me and financed them through Dividend Financial, a division of Fifth Third Bank. I purchased the solar panels around XX/XX/XXXX. I put my house on the market in XX/XX/XXXX and it went under contract in early XX/XX/XXXX. When the title company conducted the first title search upon the house going under contract, there was no lien on the home. The house was set to close on XX/XX/XXXX. The title company ran a second title search on the property on XX/XX/XXXX and discovered that a lien had been filed by Fifth Third Bank on XX/XX/XXXX. I contacted the company and went through the process required to have the lien transferred to the new home I was purchasing and the company approved the transfer. They claimed that they filed a release of the lien on the old house so the sale could be completed. They stated it would take XXXX business days for it to be filed with the appropriate county. After XXXX business days, with nothing recorded by the county, I called the county and they stated that nothing had been filed, and if it had, it would have been recorded the same day. Dividend financial has been less than cooperative in this matter and almost caused me to lose the sale of my home. The only way I was able to complete the sale was to have the proceeds from the sale go to pay off the solar loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account XXXX I have requested this information to be verified with all three credit bureaus as the information is inconsistent and incorrect and they have refused to correct In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account XXXX has 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not live at the following addresses and they are reporting on my credit files : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reports have not been updated for 10 years. My information was sold by XXXX XXXX back in 2016 a lock/freeze was done to my credit and paid for by Equifax for a period of one year. I never set anything up it was all done by them. I can not change or update ANY of MY OWN information because I don't have a log in to do it. I have contacted all Three by mail several times threw the years, I have tried emailing them, and I have tried calling. I have gotten no response from any of them and their customer service line is automated crap that has nothing to do with what is going on and no real way of talking to a real person. I have NO CREDIT and the information that is on my reports like I stated before are approx. XXXX years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to the CFPB in regards to the false reporting on my credit reports from all three bureaus.I am the victim of identity theft and have filed with both the IRS and social security administration regarding this situation. The theft was brought to my attention by the IRS when I e-filed my XXXX return. I was notified that my social security number was not matching my birthdate on file. This started my thorough review of all three bureaus reporting information and found numerous issues with aliases, addresses, accounts and companies reporting account that were either closed or passed on to collection. 
In trying to safeguard my file I diligently wrote to all three bureaus and disputed all inaccuracies reported and have had some success in rectifying this damaging situation. 
One account reporting in collections is from XXXX XXXX XXXX, Report # XXXX, for the amount of {$3000.00}. This account was bought by XXXX in XXXX and they have not provided me with the requested information to substantiate this account such as- commencement agreement with my signature, all statements on the account to date and to what address the statements were sent and how were payments made if any on this fraudulent account. none of which has been provided to me. Another fraudulent account under XXXX XXXX XXXX has been removed as they could not provide the requested information requested and Experian removed the reporting. Since then, a second request was sent to Experian to remove the account still reporting and they have not. They have not provided relevant documentation proving ownership of this account and continue reporting the fraudulent account on my report. I have involved the IRS, Social Security Administration and FTC as well as my attorney general. Further, XXXX Continues to report both XXXX XXXX Accounts under my report as well and have not provided due diligence in removing these. I have had to cancel all credit cards, notify my bank and submit affidavits, change my passwords on all external billing sites and monthly direct debits for bills. This is frustrating and unfair that I now have to work to remove these inaccuracies and have zero consumer protection from said credit bureaus. I am filing with the attorney general if these issues are not remedied, against XXXX XXXX XXXX and the bureaus for the continuous false reporting. I have supplied the bureaus with the following ; social security card, passport, drivers license, birth certificate, address for the past two years and the government affidavit to the IRS. 
I welcome any help that the CFPB can lend.
Product: Debt collection

I keep getting frequent emails about my debt. I fully intend to pay all my debts and these emails don't help. Plus I am working on improving my debt situation so I can get a credit card and loans.
Product: Debt collection

A person claiming to be an employee of a company called Future Judgment Solutions FJS has called me every day for the past week harassing me over a credit card debt that was already settled and past the statute of limitations ( XXXX XXXX XXXX ). They have also called several of my familiy members threatening to sue me.