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

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account :
Product: Credit reporting or other personal consumer reports

just got a copy of my credit report and i noticed the referenced accounts below that i did not apply for and did not use them. i need these accounts investigated and removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am repeatedly receiving phone calls at XXXX XXXX. and XXXX XXXX from XXXX XXXX XXXX XXXX, XXXX  for an account and debt from XXXX XXXX XXXX XXXX XXXX XXXX, for {$6200.00}. The collection account and debt is listed on my Trans Union, XXXX and XXXX  credit report. The collection account or debt, is not my account or debt. The collection account does not belong to me. XXXX XXXX XXXX XXXX, Representatives is steady calling me annoying and harassing me, using abusive and profane language against me, threatening me with XXXX and XXXX, all for an account and debt thats not my account or debt. XXXX XXXX XXXX  has frightened me and put me in fear of losing my life. XXXX XXXX XXXX XXXX, is in complete violation of The Fair Debt Collection Practices Act ( FDCPA ) under federal law. Their business practices are frightening, unethical and unlawful.
Product: Credit reporting or other personal consumer reports

I cant believe what I saw this morning when I checked my credit reportthere are inaccurate accounts showing up, and I dont understand how or why theyre there. I always check my report, and this is the first time I've encountered something like this. Even after refreshing my browser multiple times, the issue didnt go away. I feel blindsided and frustrated, and Im asking for a detailed review of the documents I've sent so I can have peace of mind.
Product: Credit card or prepaid card

The JPMCB CARD with the account number XXXX appears to be a charge-off account with a specific balance of {$3800.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in one of XXXX XXXX. As per FCRA, the bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. Kindly investigate on these items listed. XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This account has moved past the statute of limitations in North Carolina. In North Carolina, the statute of limitations for debt is three years from the last activity on your account.This account should longer report to my credit report. 

Please delete this account : XXXX XXXX Account # XXXX Date of Last Activity XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 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 and the HIPPAPrivacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160,162, and 164. 
XXXX XXXX XXXX, ( Reported to XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Reported to XXXX & Experian ) XXXX XXXX, ( Reported to XXXX & Experian XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Experian ) XXXX XXXX XXXX XXXX these items have violated my rights. 
In 15 U.S.C 1681, section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX ( XXXX : XXXX XXXX. ) XXXX Balance : {$6800.00} ; XXXX XXXX XXXX Originalcreditor : ( XXXX XXXXXXXX XXXX XXXX XXXX. ) XXXX Balance : {$920.00} ; XXXX XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX  XXXX : {$1000.00} ; XXXX XXXXXXXX XXXX : {$1700.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX.
Product: Mortgage

I am finalizing a mortgage and XXXX XXXX XXXX ) XXXX from Equifax wont stop calling and texting me. The text number is ( XXXX ) XXXX. He told me that he wanted me to cancel what Im doing and change to their services. I said no thank you, please dont contact me. No thank you. Goodbye. He sent these texts in reply : This is XXXX again ( the guy you just hung up on ) I get why you'd want to hang up so quickly, so I can send you everything over text to show you what XXXX should be offering you so you don't over pay for something you're already doing. How much cash were you looking for and how much do you think the home is worth? 

I replied : Stop. Please dont contact me. 

He sent back : Ok. I'm sorry to hear you're willing to get racked over the coals by XXXX I replied : Do not contact me. 

He came back with : You don't have to leave XXXX but you can at least take the numbers back to them to get a better deal. 

I came back with : Do not contact me. Stop harassing me. Please leave me alone. 

He says : I'm sorry if you felt like this is harassing at all but I was just trying to save you money. I'll get your file withdrawn from my companies system but I can't control the others, so your phone will still be ringing all day. Also, sorry if you banker at XXXX didnt give you the heads up. Have a nice morning. 

I replied : What is your name, name of the company, and phone number? Businesses are legally required to provide this information per fair consumer financial protection law. 

Radio silence. He had nothing to say add or reply to that one. Please ask this guy to leave me alone. Aggressive sales techniques are not endearing and when I block his number he bothers me from another one.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this complaint to request your assistance in investigating and resolving an issue with my credit reports maintained by XXXX, Equifax, and XXXX. Specifically, there are old and negative items that should no longer appear on my credit report under the Fair Credit Reporting Act ( FCRA ). 

Pursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o, I believe the credit reporting agencies are in willful or negligent noncompliance with their obligations under the FCRA. These violations have resulted in continued harm to my credit score and financial well-being. 

The specific issues include : Inaccurate or outdated information : Negative items that have exceeded the statutory limit of XXXX  years ( or XXXX  years in the case of bankruptcies ) are still being reported. 
Failure to verify disputed accounts : Despite my prior disputes, the credit bureaus have failed to provide adequate documentation to verify the accuracy of these negative items, as required under 15 U.S.C. 1681i. 
Negative impact on my creditworthiness : These inaccuracies have caused harm by impacting my ability to access credit and financial services at fair rates. 
To resolve this matter, I request the following : The immediate removal of all outdated and unverifiable negative items from my credit reports. 
Confirmation from each bureau that these items have been deleted or corrected. 
I have attached supporting documentation, including copies of my credit reports highlighting the outdated and negative items, previous dispute letters, and any related correspondence. 

I kindly request the CFPB to assist me in holding XXXX, Equifax, and XXXX accountable for their compliance under the FCRA. I trust that your involvement will result in a thorough investigation and prompt resolution of this matter. 

Thank you for your time and attention to this issue. I look forward to your response and resolution. 

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

My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own behalf. XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX
Product: Debt collection

Capital one back USA NA calling threatening me there outside my home, there showing up at my employment, calling my employment. I don't owe them any money, this was investigated in 2018,
Product: Credit reporting, credit repair services, or other personal consumer reports

I found the legal name of the court is incorrect in my credit files with XXXX XXXX, Experian and XXXX. I submitted the correct legal name to both credit bureaus. XXXX XXXX deleted both items, the discharged and dismissed bankruptcies. Experian and XXXX  both replied they could not identify me and therefore couldn't find me within their files. I find this incredulous! Because I forwarded both credit bureaus with the first page of my credit report received from them. Nevertheless, I submitted the identifying documents and continued to ask for the removal of the bankruptcy items. Experian continues to list the bankruptcy item in my credit file. XXXX  has corrected the name of the court. According to the FCRA, if the credit bureau is found to have incorrect information, they must delete the item ( s ). Since the reporting of this item in my file, I have been denied credit for a secured card.Attached are the initial ( XX/XX/2019 ) second ( XX/XX/2019 ) and third requests submitted to XXXX XXXX, Experian ( XX/XX/2019 ) and XXXX  ( XX/XX/2019 ) credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been working with Freedom Financial Network, XXXX XXXX XXXX XXXX XXXX, AZ XXXX for several years now and for the most part, we are somewhat pleased with their performance but Unfortunately, this is not the case in yet another situation we received an IRS form of a debt cancelation of a debt that was negotiated and paid in full but the issue is that the debt actually belongs to someone else the last four of socials don't match, so we have been in fact paying someone else 's debt I would think when one supposedly runs the credit file with the client 's social we should be paying on that social this is not the case.
Product: Debt collection

Dear CFPB, PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, HAS BEEN HARASSING ME ON THE PHONE AND REPORTING FRUAD ACCOUNT INFORMATION INTO MY CREDIT HISTORY. THEY HAVE BEEN CALLING AND ASKING FOR CASH PAYMENTS AND MY SSN # TRYING TO STEAL MY PERSONAL INFORMATION FOR A DEBIT COLLECTION ACCOUNT THAT IS NOT MINE AND WAS DISCHARGEXXXX FROM MY CREDIT HISTORY FOR IDENTIFY THEIFT BY XXXX XXXX & XXXX XXXX AFTER I WROTE A LETTER & PROVIDED INFORMATION AND EMAILED FOR THE PAST 4 YEARS. XXXX XXXX HAD AGREED TO REMOVE ANY RESPONSIBLY OF MINE & DID REMOVE FROM MY CREDIT HISTORY FOR THIS IDENTIFY THEIFT ACCOUNT THAT WAS NOT OPENED BY ME AND REMOVED IT FROM MY CREDIT HISTORY FOR GOOD. PORTFOLIO RECOVERY HAS BROKE SECTION 609 OF THE FAIR CREDIT REPORTING ACT ( FCRA ) BY ADDING FALSE INFORMATION TO REPORT TO HURT MY CREDIT HISTORY WITH FALSE INFORMATION FOR ACCOUNT THAT WAS DISCHARGED AND REMOVED FROM MY CREDIT HISORY BY ALL PARTIES. PORTFOLIO RECOVERY NEEDS TO REMOVE THIS FRAUD ACCOUNT FROM MY CREDIT HISTORY & I DEMAND THEY CLOSE THE ACCOUNT. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request THE REMOVAL OF PORTFOLIO RECOVERY FROM MY CUSTOMER CREDIT REPORT ASAP. FOR IDENTITY THEIFT & ALL ACCOUNTS IN THE FUTURE WITH PORTFOLIO RECOVERY. THEY DID NOT PROVIDE ME WITH THE ORIGINAL SIGNED CONTRACT TO VERIFY THIS ACCOUNT & DID NOT VERFY THAT I OWN THIS DEBIT NO SIGNED ORIGINAL CONTRACT WAS SENT TO ME BY PORTFOLIO RECOVERY, IT SHOWS THAT THIS IS NOT MY ACCOUNT & NEEDS TO BE DELETED FROM MY CREDIT HISTORY. IT HAS PASSED 7 YEARS AND THIS NEEDS TO BE REMOVED FROM MY CREDIT HISTORY ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$54000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and XXXX XXXX XXXX immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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. 


Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : 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 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: Mortgage

I had a XXXX XXXX that I believed to be paid off as I was issued a Release of Lien in XX/XX/XXXX. When XXXX failed the mortgage accounts were absorbed by XXXX XXXX XXXX where it remained for several years. When XXXX XXXX XXXX got trouble around XX/XX/XXXX trouble the account eventually went on to Ditech Financial or Greentree as it was known then. When I was contacted by Greentree/Ditech They demanded I start making monthly mortgage payments as they were taking over for XXXX XXXX XXXX. I alerted them to the fact I had a release of lien and should not be making payments, I received no response, I started making mortgage payments in good faith and was current on these payments while hoping the problem would be found which it never was. <P/>I felt an obligation to as Greentree/Ditech had paid the property taxes even though I was supposed to pay them. The monthly payments started at {$300.00} a month and quickly climbed to close to {$700.00} a month, making for a financial hardship. I became delinquent in payments around XX/XX/XXXX while waiting during the investigation. I was offered a loan modification in XX/XX/XXXX ( although I never asked for one ) and received notification stating the payments were received and the modification had kicked in. Two weeks later they attempted to foreclose and denied offering any modification and stated no payments were received, Greentree/Ditech was unresponsive when copies of the payments were submitted along with the letter approving the modification which was not honored. <P/>There are over 15 written enquires which I initiated regarding the situation, all of which were answered by a letter of investigation, which was never followed up. Several of the responses, did not make any sense or relate to the questions I asked. Despite having a Lien Release Ditech continued it 's collection efforts, I was forced into Bankruptcy in XX/XX/XXXX efforts to save the property. They attempted foreclosure on 3 separate instances. It has been discovered in the course of bankruptcy that various documents Ditech produced were forgeries and fraudulent in nature, there was no response by them when they were noticed of this by them or their attorneys. Country property records do not show any tie between Ditech and the property in question. There are hundreds of pages of records documenting the information provided above and will be provided upon your request. Ditech was the subject of a XXXX XXXX dollar Class Action Lawsuit several years back for these same transgressions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting unauthorized hard inquiries without my permission, a collection agency medical Chapter XXXX debt.
Product: Debt collection

I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FCRA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
Product: Debt collection

repeated calls after being told to send all info or requests to address on file
Product: Mortgage

Hello. I am a XXXX XXXX XXXXXXXX and my concern relates to Dodd Frank compliance. I recently have begun working as a XXXXXXXX XXXX for a company that is paying fees that are less than half of what is typical for the service areas around XXXX. I have discovered that several of my past lender clients are now ordering appraisals through this company, and are paying the same fees as those I would normally collect. I am a new hire with this company and I don't know how long I can accept this, as it seems wrong. 

I wanted to know if this is in violation of law, and if there is any means of recourse. Thanks.
Product: Debt collection

I DO NOT HAVE ANY DEBT. PEOPLE FROM THE NUMBER XXXX ARE LEAVING DAILY MESSAGES WITHOUT ANY DETAILS ASKING TO CALL THEM BACK TO DISCUSS A DEBT SITUATION. 
I TRIED TO REPORT THEM A SCAMMERS, BUT THE GOVERMENT AGENCY IN CHARGE OF THAT TYPE OF CALLS SAID THAT I CAN NOT DO ANYTHING. 
PLEASE HELP!!!
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  XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX Account Name : XXXX 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive just reviewed my credit report and noticed there are several inaccurate late items on my report. I have been a victim of identity theft and have contacted all three Credit Bureau 's and nothing have been resolved. I have opened cases each month for the last 10 months as well and nothing. There are student loans that were falsely opened in my name as well as late payments being reported.