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

EXPERIAN Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2023 ACCOUNTS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. 
Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. 
IF YOUR COMPANY ATTEMPTS TO CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, the accounts listed below has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX - XXXX 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: Debt collection

Received a letter from debt collectors about a medical bill about a month and a half ago. I immediately called them. Talked with representative and when I asked for more information about what I needed to pay for, she only relied that it was a medical bill. I asked her to send me a letter stating what I was being charged for. I never received that letter. Today I received another letter stating that I need to pay.
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 XXXX : 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 : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/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: Mortgage

On XXXX XXXX of 2016 my wife and I purchased a house. Our mortgage was promptly transferred from our initial borrower to Ditech Financial. Our monthly mortgage payments include money that goes into an escrow account that is to be used for our property taxes twice a year. On XXXX XXXX of 2016 our first property tax payment was due. Ditech failed to make the payment from our escrow account for our property taxes. At first this went unnoticed and in XXXX my wife and I found out that our property taxes were delinquent and late fees and penalties had been assessed to our account. My wife called Ditech to get this straightened out and was told that there would be a 14 business day investigation period before Ditech would take any action whatsoever. My wife continued to call Ditech every couple of days during the investigation period to try to get updates ( due to the company 's reliability we felt that follow up was necessary ). Yesterday the investigation period was up and my wife called to see what Ditech had determined and if they were able to make our property tax payment from our escrow account. She was told that our monthly payments did n't include funds for a property tax escrow account, which is incorrect. When my wife asked to speak with a manager or someone who could help figure out our situation the customer service rep hung up the phone on her. So now we are no closer to having our property taxes paid and are still accruing late fees and penalties every additional month the payment is delinquent.
Product: Credit reporting or other personal consumer reports

Reel Time Capital LLC is on my credit report sayin i owe {$580.00} from XX/XX/2023. I have no idea what this is and do not owe anyone anything. I researched them on XXXX and EVERYONE says its a scam company from XXXX XXXX ( which does not exist anymore all urls are dead ) which is some XXXX XXXX XXXX XXXX. I do not use those places. Please help it dropped my credit score XXXX points. It must be fixed!
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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: Debt collection

On XX/XX/XXXX I noticed there was an account on my credit report that had missed payments. I did not open this account. I called XXXX and opened up a dispute stating that this debt is not mine because I did not open the account. The account was under a company called CURACAO, which I have never shopped with before. 

I have never opened a line of credit with CURACAO. After submitting my dispute with CURACAO, I called the company to see if they could assist. They were unable to locate any account associated with my name or address. This was alarming given that the account was still filed under my identity. 

The credit report only gave me a partial account number which CURACAO said was not enough to pull up any information regarding the late account. CURACAO stated they would send me a packet of information to fill out and return to them to assist, but they never did. 

Two weeks later, XXXX updated the dispute and stated the account was mine ( as stated by CURACAO ), and dropped my credit score due to late payments. I called XXXX back regarding the dispute, and they stated that I didn't identify the account as identity theft, stating that I only mentioned the account wasn't mine. XXXX advised me to register a report with the FTC regarding identity theft. 

XXXX also stated that there were two accounts opened with CURACAO under my name. They stated one was in good standing, and that the other one listed late payments. Neither of these accounts are mine. I have never opened an account under CURACAO.
Product: Student loan

The problem is I consolidated all my loans due to interests accumulating just got higher and higher in the amount of XXXX. My loans from the schools I attended XXXX loans were higher.. I work for a non profit and I fall under all the criteria for public service and Navient formerly Sallie Mae and the Department of Education didn't help or any of there programs my payments are still out of my reach and I have a low paying job because non profits don't pay much and this situation is very stressful XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus/collectoion agencies have yet provided me with the validation/proof of debt that ive been requesting since XXXX/2020. Numerous of accounts with inaccurate/invalid reportings per the metro compliance requirements. not to mention allowing companies to report such debt when thyre not licensed in the state of Texas
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit transactions have been reported and furnished without my consent and its mandatory that they keep my written consent and can verify that me the original creditor and natural person can verify the information. I was also never given my right to opt out As per 15 USC 6827 ( 3 ) " The term document means any information in any form. '' The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumes of their information sharing practices and provide for a right to opt out of certain sharing, In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( XXXX XXXX, Equifax XXXX XXXX ) XXXX 

According to 15 USC 6809 ( 4 ) ( A ). The term " nonpublic personal information '' means personally identifiable financial information Provided by a consumer to a financial institution Resulting from any transaction with the consumer or any service performed for the consumer ; or Otherwise obtained by the financial institution.

Further, pursuant to 15 USC 6809 ( 5 ) the term " nonaffiliated third party '' means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

Therefore, as per the literal interpretation, the organization named XXXX, Equifax, and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. 

In case your Company admits that the organization named XXXX, Equifax, and XXXX is affiliated, it has still violated the provisions of FCRA ( Fair Credit Reporting Act ). 


UNDER 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control.

Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( ill ) states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons. 

Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws. 

I hereby request you to remove the below-mentioned information from my Consumer Report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX AND XXXX XXXX XXXX XXXX DELETE THESE ACCOUNTS AT ONCE AND ALSO PROVIDE THE WRITTEN CONSENT THAT IS MANDATORY TO HAVE ON FILE ACCORDING TO YOUR DATA SHARING POLICY.
Product: Credit reporting 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 accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Never received bills from this company was just placed on my credit report. tried to depute with credit reporting company online. still not removed. i do n't own them.
Product: Vehicle loan or lease

During Covid my husband who is the primary and Im the cosignor called XXXX  XXXX asking for payments to be deferred because Im XXXX XXXX and he is military. Im the head of household. XXXX XXXX stated they would review and not to worry and this was XX/XX/XXXX roughly. We never heard back until we received a late notice letter stating we were 40 days late. We called again on XX/XX/XXXX and a representative apologized stating she would send a letter for us to sign asking for the deferment. No letter was ever sent as of XX/XX/XXXX. We called the morning of XX/XX/XXXX to learn that representative did nothing as of yet and our account is now 59 days late. We spoke to someone named XXXX XXXX who stated he was a supervisor in collection XXXX id number. He stated he would now forward to the office of the president but wouldnt provide us with a contact number to follow up. As a cosignor no one called and he stated I requested that no one called me. I advised that was false due to my husband being in military I have to be called which I argued with then about that 2 years ago when he was XXXX and that never called me. We really need help. It appears they are doing us harm again with this tactic. They are rude and have impacted my finances as a business owner by not helping him while ruining me with the passive comments such as we dont know why they didnt mail it. Please help In addition, in summer of XXXX my husband provided them with his XXXX letter and as a result missed a payment l. He showed a letter from his commander. They stated that it wasnt good enough and reported both of us to the credit bureau. I got involved because Im the cosignor and they never called me. I complained and they told me that they would later notify me moving forward. Ironically they did even when payments were made or etc thereafter. Suddenly they have me as a no contact for XXXX. Ive been trying to still address that XXXX issue since XXXX. The recent incident with covid relief is now impacting us for this company purposely has failed to do thier job after speaking to us on a recorded line, per the representatives, to provide us with help. We no longer can deal with this company and now must find legal help
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully asked for all signed promissory notes with my wet ink signature on these student loans, I haven't attended any school in 20 years!!!! These loans DON '' T belong to me and I demand that they get removed immediately!!! you left them on my report with a consumer statement but have yet to supply any document to validate these loans. I am a victim of IDENTITY THEFT and all verified documents have been SUBMITTED to show the PROOF!! I have never lived in XXXX, GEORGIA, NEVER!!!!!!!! remove these fraudulent accounts immediately!! NEVER HAD ANY BUSINESS DEALINGS WITH ANY COMPANY CALLED XXXX .... 

US DEPT OF EDXXXX # XXXX {$16000.00} US DEPT OF EDXXXX # XXXX {$3300.00} US DEPT OF EDXXXX # XXXX {$5100.00} XXXX XXXX  XXXX  # XXXX {$2000.00} XXXX # XXXX {$3700.00}
Product: Credit card or prepaid card

I did a chat with an Aspire Representative on their website today XX/XX/2020 after making a payment. I chatted with XXXX. At XXXX XXXX  I requested to have my monthly fee waived on {$12.00} due to Covid-19 pandemic and that I am unemployed due to the pandemic. XXXX immediately responds back at XXXX that my request was denied and does not provide me any reasons. I have a good payment history and no of that was even viewed or taken into account. Due to me being unemployed I am working hard to pay off my Aspire balance and having a {$12.00} fee assessed monthly during a pandemic is INSANE!
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX and i am writing this letter distraught and in emotional distress. Transunion and XXXX are showing inaccurate information to my report. They both are reporting an account i did not consent, inquire or benefit from. I have requested several times to remove account. This is hurting my credit profile tremendously. I have no debt on my report but this one and it is hurting me. I called both bureaus over 20 times and no help. I asked to speak to supervisor and i am placed on hold for hours on. They are not protecting me as a consumer. PLEASE HELP I AM COMPLETELY AGITATED.
Product: Debt collection

Nationwide recovery has called me multiple times trying to collect a debt. On XX/XX/2022 nationwide recovery sent me a letter in the mail attempting to collect a debt that is not mine. National wide recovery violated my consumer rights by making multiple phone calls to my telephone and sending me post cards in the mail.
Product: Credit reporting or other personal consumer reports

I recently reviewed my EXPERIAN, XXXX XXXX, AND XXXX consumer report and see there are unauthorized inquiries and accounts reporting that i did not initiate nor did i benefit from any of them. The accounts listed on XXXX XXXX, EXPERIAN, AND XXXX are fraudulent reporting from creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Presence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately. 

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

Please DELETE the Inaccurately Reported Personal Information listed below! 
DELETE - XXXX XXXX XXXX DELETE - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX DELETE - XXXX XXXX XXXX XXXX XXXX IL XXXX DELETE - XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX DELETE XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX DELETE - XXXX XXXX XXXX DELETE XXXX XXXX DELETE - XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX DELETE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX DELETE XXXX XXXX XXXX  ON XX/XX/XXXX DELETE - XXXX XXXX  ON XX/XX/XXXX DELETE - XXXX XXXX ON XX/XX/XXXX DELETE - XXXX ON XX/XX/XXXX DELETE XXXX XXXX  ON XX/XX/XXXX DELETE - XXXX XXXXXXXX XXXX  ON XX/XX/XXXX DELETE - XXXX  XXXX XXXX ON XX/XX/XXXX DELETE - XXXX  DELETE - XXXX  DELETE - XXXX  DELETE - XXXX  DELETE - XXXX  DELETE - XXXX  DELETE - XXXX  DELETE - XXXX  DELETE - XXXX XXXX DELETE - XXXX XXXX DELETE - XXXX XXXX DELETE - XXXX XXXX DELETE - XXXX XXXX DELETE - XXXX XXXX DELETE - XXXX XXXX DELETE - XXXX XXXX DELETE - XXXX XXXX DELETE - XXXX  DELETE - XXXX XXXX DELETE - XXXX  XXXX XXXX DELETE - XXXX  DELETE - XXXX XXXX DELETE - XXXX XXXX XXXX  DELETE - XXXX XXXX-REPORTED DELETE - XXXX XXXX  DELETE - XXXX XXXX DELETE - XXXX XXXX XXXXY XXXX DELETE - XXXX XXXX XXXX-XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries without my permission XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/year> XXXX XXXX XXXX  XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX ( XXXX ) XX/XX/year> XXXX XXXX ( XXXX ) XX/XX/year> XXXX XXXX ( Auto ) XX/XX/year> XXXX XXXX XXXX  ( Auto ) XX/XX/year> XXXX XXXX XXXX ( Auto ) XX/XX/year> XXXX XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> XXXX  XXXX ( Bank ) XX/XX/year> XXXX ( Bank ) XX/XX/year> XXXX  ( Bank ) XXXX XXXX, 2024 XXXX  ( Bank ) XXXX XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/year> XXXX ( Bank ) XX/XX/year> EQUIFAX Inquiry details XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently looking at my credit report, I noticed account and inquiries reported by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, that does not relate to any credit transactions that I have made. Removed these items from my credit report because they are fraudulent and hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) Consumer name : XXXX XXXX, Consumer Social Security XXXX, Consumer Date of Birth : XX/XX/XXXX, contents of complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a federal student loan account at XXXX on XX/XX/XXXX account number XXXX, a credit card load account from XXXX XXXXXXXX XXXX on XX/XX/XXXX account number XXXX, a auto loan account at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX, a rent account at XXXXXXXX XXXX XXXX on XX/XX/XXXX with no account number, a collection account at XXXX XXXX XXXX on XX/XX/XXXX no account number. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have issued a complaint with the FTC Identify 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. I could not attach copies of any of my reports due to your site refusing to allow any form of download pdf files for this matter.