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

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to North Dakota FCRA Identity Theft Fraud Laws Dear MIDLAND CREDIT MANAGEMENT, I am writing to address a serious issue concerning the unauthorized reporting of information to my credit report, which violates the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the North Dakota Consumer Credit Report Security Freeze Act, and identity theft fraud laws, specifically North Dakota Century Code Section 51-29.

It has recently come to my attention that ( company name ) has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as detailed in the FCRA, expressly requires consumer consent for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, North Dakota state law, particularly the Consumer Credit Report Security Freeze Act, underscores the requirement of consumer consent for credit reporting. This law ensures that consumer credit information is reported fairly and accurately.

Furthermore, identity theft fraud laws, including North Dakota Century Code Section 51-29, highlight the seriousness of unauthorized access and misuse of personal information. 

I wish to emphasize that I have not provided consent for ( company name ) to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially harming my creditworthiness and demonstrating disregard for federal and state laws. 

Therefore, I demand that ( company name ) immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant North Dakota laws. Failure to comply within the specified 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including identity theft fraud statutes. 

Obtaining consent is not optional but a legal obligation under these specific sections of the FCRA, North Dakota state law, and identity theft fraud laws. This is not negotiable ; it is a demand for compliance with federal and state regulations, protecting consumers such as myself from unauthorized and damaging credit reporting. 

I anticipate your prompt attention to this matter and expect that ( company name ) will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

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 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

XXXX XXXX XXXX XXXX Has failed to provide Please provide the following : Agreement that grants the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor where I agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful.

I am also requesting Copy of original contract with my signature Copy of payment history Name and address of original creditor Proof of collection authorization The means of which this information was VERIFIED and VALIDATED When contacted they had no means of validation for debt and Transunion has reported an incomplete account number making validation impossible. When contacted they asked for personal information and were unable to validate debt. Even with all this information missing and this account nowhere present on any reporting agency Transunion and XXXX XXXX XXXX XXXX continue to report the account at FCRA standard even while that is a fraudulent statement
Product: Mortgage

last XXXX i was making a payment, on time, to specialized loan service SLS. i went online to do this. 
i was duped by a company XXXX. a third party pay scam. never submitted payment yet they processed it anyway and charged me XXXX to do so. 
i never hit their submit button! 
anyway not knowing they submitted it I then called SLS a few minutes later to make a phone payment instead, which i did. that is two payments i made the same day. I thought i made a one payment. bank called to tell me i was overdrawn on that account.

i immediately called SLS and told them what happened. Since they received two payments in one day they said they would send one of them back. XXXX payment back in 10 business days by mail. 
that did not happen and after 27 business days i called them to see what happened to my money and after speaking to them they agreed to credit me and to apply that amount XXXX for my XXXX payment. So all is cool i thought till late XXXX when i get a letter from SLS telling me they electronically sent a refund to my bank. This refund was my XXXX payment and i receive a month and a week later So i called them and sent it back to them via phone immediately. 
Ok, its now XXXX, i go to make XXXX payment and they say i owe for XXXX after they have been paid for XXXX. 
I talked to them 12 times to resolve. They agree with me, tell me all is good and i have all the id numbers of their persons i spoke with. 
Ok, i go to make XXXX payment and they inform me i owe a late charge for last month. i almost fell off the floor! so they review and once again they tell me i right and wave the late charge. 
each time i ask them about my credit report and they all made claims it would not be reported and no harm to my credit score. you can guess the rest, my credit score takes a beating i am trying to rebuild my credit after injury. if you could help i would be soooo grateful. thank you ..
Product: Credit reporting or other personal consumer reports

Data- breach victim, which Ive provided letters etc etc ... negative impacted accounts and inquires need to be deleted, ..I dont know any of these... Attorneys told me to reach out to credit bureau once more.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
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 or other personal consumer reports

This is a fraudulent charge from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. On XX/XX/23, I informed XXXX that the services for the {$29000.00} sent to the XXXX XXXX ( where I am not a patient ) were never provided. Despite not signing the XXXX XXXX XXXX XXXX XXXX XXXX attached to the Inactive XXXX  Plan, the company has refused to refund the full amount of {$29000.00}. This transaction originated when my mother requested that I co-sign for her dental work at XXXX XXXX XXXX XXXX. During my conversation with financial consultant XXXX, I was misled to believe that the loan application link sent to me was solely for co-signing purposes. However, upon receiving the completed loan documents, it became evident that I was the primary and sole borrower for the line of credit. Consequently, I declined to sign the XXXX XXXX XXXX XXXX XXXX XXXX as I was misled during the financing process. 

I am not and have never been a patient of XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX  ), and I have no financial obligations to this establishment. All financial obligations should be directed towards the patient only. 

Despite me NEVER signing the merchant 's contract, XXXX XXXX XXXX  XXXX refused to refund the funds, and XXXX did not take any action to retrieve the funds from the XXXX XXXX. I did not directly nor indirectly benefit from any funds dispursed.
Product: Debt collection

I pay this account every month on the XXXX, I have receipts through my checking account, They put it on my credit report anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times regarding an unknown account listed which doesn't even state a name of a company, no response Unknown collection XXXX {$18.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account had fraudulent charges made on it and it is reporting as open when it is in fact closed. Also they are reporting the account as a factoring company account which it is not also the account was re-aged as well and they do not list the date of last activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA-XXXX  Account Number : XXXX Status : COLLECTION ACCOUNT Account Owner : Individual Account. High Credit : {$4600.00} Type of Account : Open Credit Limit : Term Duration : Terms Frequency : Date Opened : XX/XX/XXXX Balance : {$4600.00} Date Reported : XX/XX/XXXX Amount Past Due : {$4600.00} Date of Last Payment : Actual Payment Amount : Scheduled Payment Amount : Date of Last Activity : N/A Date Major Delinquency First Reported : XX/XX/XXXX Months Reviewed : 42 Creditor Classification : Banking Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Factoring Company Account ( debt buyer ) Date of First Delinquency : XX/XX/XXXX Comments : Consumer disputes - reinvestigation in progress, Collection account 81-Month Payment History Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CA NR NR CA NR XXXX NR NR NR NR NR NR NR NR NR NR CA NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

These are the accounts that I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These are the inquired that I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Virginia XXXX XX/XX/XXXX XXXX XXXX, Transunion and XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XX/XX/XXXX XXXX Mortgage XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Virginia XXXX
Product: Debt collection

In XX/XX/2017 I was sent to XXXX XXXX XXXX XXXX XXXX due to an XXXX of XXXX. I was completely XXXX and the hospital made me sign documents that I didn't have any capacity at the time to understand. Being a XXXX XXXX I wasn't aware of how medical debt was distributed and recently found that my unpaid debt was sent to a collector, XXXX. I talked to them and they were unable to settle the debt for me and demanded immediate cash payment within 90 days in the amount of {$490.00}. For the past year I have been making payments to XXXX   XXXX XXXX in the amount of {$300.00} in total so far for the ambulance. XXXX has ruined my prestine credit score over a debt i wasnt even aware of. Is it illegal to make someone without capacity sign documents for a service that i didnt voluntary take nor was life threatening?
Product: Mortgage

Ditech approved our loan modification and then never sent us our forms to sighn.When we inquired about our forms they told us they sent them to our attorney.When we called our lawyers they stated they never received the papers.We called ditech back asked them to send the papers back to us instead of our attorney, they said they would do so asap, but before we could get the forms they foreclosed on our property.We have called Ditech numerous times they would never call us back.We took them to court but up till now we cant get any help I hope and prey that you can help us.Thanks I can be reached at XXXX or XXXX and my emailis XXXX.please call me asap we need your help desparately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of inquiry XX/XX/2023, Company who processed fraudulent inquirie XXXX XXXX XXXXXXXX, Address XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, IN XXXX Request Originator is fraudulent I have already contacted all 3 credit bureaus and reported this fraudulent activity that was not authorized by me or attached to any open account. 

I am contacting you guys to have this fraudulent inquiry removed.
Product: Mortgage

I sent a payment for home owners insurance for 2023. I accidently wrote check for {$1000.00} over the amount required to Wells Fargo Home Mortgage. They refuse to refund me the money and said it was placed in escrow. I told them I wanted a refund after speaking to numerous customer service reps on the telephone, and they all refused to do so. 

Mortgage with Wells Margo Home Mortgage in name of XXXX XXXX, Loan No. XXXX, address of property is XXXX XXXX XXXX, XXXX XXXX, Tennessee XXXX.
Product: Checking or savings account

I have been bank for XXXX and oops and overdraft fees have cost me financial stress and Im a very valuable customer.
Product: Mortgage

My name is XXXX XXXX & my wife XXXX XXXX applied to HSBC Bank XXXX XXXX. to obtain refinance for existing mortgage with XXXX XXXX. I have a perfect credit rating around XXXX So Everything was going good i submitted all financial documents from work both for myself and my wife who is a XXXX working in XXXX XXXX. I paid {$600.00} for appraisal and HSBC also asked for 2 questionnaires filled out by my XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX. These 2 questionnaires I paid $ XXXX each ( including Coop 's lawyers fees ) Suddenly, its 2 months passed and HSBC reps XXXX XXXX XXXX XXXX XXXX conveyed to me that there is a My XXXX XXXX XXXX XXXX has ongoing lien with another company for approx {$460000.00}. My XXXX has no current mortgage and plenty of funds in reserve account. It has over 1000 apartment average price for each around {$300000.00} - {$500000.00} All these info was transferred to the HSBC reps. The lawsuit/lien is ongoing and there were no judge order yet to XXXX to pay this lien. So as a result, HSBC refused my refinance and send me a letter on XX/XX/2021. As a result of this i lost {$1600.00} dollars ... .. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( NMLS XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX HSBC Bank XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX Mortgage Loan Processing AVP Team XXXX XXXX I HSBC Bank XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX NMLS # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX- Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of InquiryXX/XX/XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX Date of XXXX XXXX Date of InquiryXX/XX/XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit card

Someone has opened this account with a pay history. I am a victim of identity theft and I want it removed from my XXXX and XXXX report. They are indicating that I have seven missed payments which is completely crazy. I just want it removed
Product: Debt collection

XXXXXXXX XXXX is herrassing me. I told to stop calling and I am contacting an attorney. They continue to herrass me with calls that I keep blocking and letters. They opened an account on my credit report without my knowledge or permission. I feel they are stealing my identity as I am already a victim of identity theft in the past. I was not aware they were allowed to open an account under my name without permission.