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

I'm XXXX unable to work for the rest of my life because of XXXX diagnosis That has left me with XXXX surgeries to my neck and back from XXXX .I 've gotten all my documents from my Oncologist and send them to all included parties : Department of education/as well as credit report agencies
Product: Credit reporting or other personal consumer reports

Unauthorized information as well as inaccurate information displayed publicly due to date breach
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2022, I called XXXX XXXX XXXX to inquired about the inaccurate reporting of a debt from XXXX. I explain to them that the debt wasn't mines because I never had service with them moreover I was XXXX during the time. I have attached a letter to prove that I was XXXX during the time this account was opened. Instead, they ignore me.
Product: Debt collection

Debt collector repeatedly calls from various numbers ( always appears as Portfolio Recovery in caller ID ) at all hours for a debt that is not owed. They have started calling my business and it has crossed the line into harassment. I don't have any past due accounts within the last 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

See enclosed certified documents from the account in dispute ( XXXX XXXX ). This lender 's documentation confirms that the balance and payment history can not be validated. Note lender admits that the documentation for payment history does not align with dates of payment, as stated on page 1, paragraph 4 from XXXX XXXX. Furthermore, page 3 of the document from XXXX XXXX shows payments in XXXX, XXXX, XXXX, and XXXX of 2020, page 6 shows payments for only XXXX and XXXX of 2020 ; my credit report shows " Negative '' payment history for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of 2020. However, actual payments were made in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of 2020 by the primary account holder. Obviously, as XXXX XXXX admits, the payment history does not align with documentation. According to federal law, the consumer is not responsible to maintain the appropriate records for payment history and balance. This is the responsibility of the lender. To comply with the Fair Credit Reporting Act, the account should be removed from my credit report since the account information can not be verified.
Product: Money transfer, virtual currency, or money service

XX/XX/23, a unauthorized unlinking of my XXXX account that was sent to me via text message I have three different cash app accounts two were business accounts one was my personal daily use account since XX/XX/XXXX I have not been able to get access to both of my business accounts I have contacted cash app regarding this matter cash app has been reluctant to help more of a repetitive process in the end they denied me access to my account which I have proven that both of these accounts are mine someone has consistently used my Bitcoin you can clearly see it under my main cash app account limit it fluctuates constantly I have also informed the cash out of this but they say there's nothing we can do but who's liable or who has to file these taxes at the end of the year I didn't make all or withdrawal 90 % of these Bitcoin transactions someone has changed to my cash tag names emails I'm locked out of one of my XXXX to where I am not able to recover that XXXX they changed my numbers I have proven that both of those accounts were are mine by sending images screenshots of my cash app cards for each account cash app will not help retrieve my Bitcoin money and the 2 business accounts that have been stolen, now on the XXXX of XXXX I tried to send my friend some money and I was unable to because cash app instructed me to verify my identity which I immediately did with a selfie video and pictures catch up told me that it would take 24 hours for them to verify it's been 4 days and I have not heard anything mind you nobody can send me money I can't send nobody money I don't have access to my Bitcoin wallet under this specific account but she had my Bitcoin limit keeps fluctuating therefore proves someone has stolen my other two accounts I would like immediate assistance in rendering or closing both of those accounts so I can be able to have my one account as well as recovering my loss and stolen Bitcoin because something is not right here and something is going on once again I have three accounts and cash app has denied me access to two separate accounts One account my main account I am unable to use because of cash app you will not let me send or receive money if I don't have access to no accounts why is my Bitcoin limit fluctuating that should not be
Product: Credit reporting or other personal consumer reports

Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I XXXX XXXX am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to PENTAGON FEDERAL CREDIT UNION written, unwritten, verbal or non verbal to report my nonpublic personal information. PENTAGON FEDERAL CREDIT UNION is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by PENTAGON FEDERAL CREDIT UNION that my nonpublic personal information was going to be shared to non affiliated third parties such as Early warning services, XXXX, XXXX, XXXX XXXX, XXXX XXXX was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every thirty ( 30 ) days which PENTAGON FEDERAL CREDIT UNION never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, PENTAGON FEDERAL CREDIT UNION violated the terms and conditions within their banking agreement, because PENTAGON FEDERAL CREDIT UNION states that they do not provide consumer information to third-parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive THREE different disclosures before my nonpublic personal information is shared but I never received notice.I am hereby invoking all rights under to OPT OUT and to Privacy protected by 15 USC 6802 B, 12 CFR 1022.24, 15 USC 6508, 16 CFR 313.7, the Privacy Act of 1974 et al.
Product: Debt collection

I have noticed over the past few months between XX/XX/2018 to present that there were accounts being added to my personal file that do not belong to me through monitoring service. As this account PLUSFOUR INC has appeared on my file on multiple occasions totaling {$200.00} through individual accounts listed under the same company PLUSFOUR INC. I am a victim of identity theft on multiple accounts as it has been reported and currently being investigated. Ive reached out to this company multiple times regarding this matter and have reported this account as identity theft.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records.I have also directly contacted the bank associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX  XXXX
Product: Credit card or prepaid card

This account is from Macy 's which shows previous late payments from the company. The late payments that reflect on the account are from XX/XX/XXXX, and XXXX thru XX/XX/XXXX. It shows 30 days and 60 days late. The payments were during a COVID-19 pandemic where the company offered me a forbearance due to financial hardship nationwide, with ZERO negative reporting. I took advantage of the forbearance that was offered, however, the late payments are showing on my credit files. 

As of today, my account is current.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey | DOB : XX/XX/XXXX Equifax XXXX. XXXX XXXXXXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the  physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report several fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of personal credit card accounts opened at XXXX Lending on XX/XX/XXXX under the account number ( private ), XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX  on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws
Product: Debt collection

Central Portfolio Control is the debt collector for XXXX XXXX XXXX. I recently refiled a dispute with XXXX because the collection agency said it was the correct information. The first late payment was reported in XXXX. I did not go to any hospital in XXXX and I believe it is fraud or theft on behalf of my identity. The amount is for {$6600.00}. The account was opened on XX/XX/XXXX and is 2 months old but a representative of XXXX said the first late payment was reported in XXXX. I have not received any documentation on this issue from the creditor but it is on my credit report. That is how i found out about it through an additional credit report website.
Product: Checking or savings account

1. Date opened XX/XX/2014 a credit card for XXXX i wasnt with spouse as of XX/XX/2014 so i never signed for a credit card we stopped living together as of XX/XX/2014 No actions taking by no one due to i am just now getting collection calls n i looked at credit report and seen about of stuff i didnt authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

In its last response Experian refused to adhere to FCRA requirements by failing to comply with my request for removal of 7 unauthorized inquiries. Again, I am requesting removal of all unauthorized inquiries from my credit report. 

Attached is a copy of the credit report evidencing 7 unauthorized inquiries of which I am demanding removal. The unauthorized inquiries are : XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX 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

I have opened several Disputes with the credit bureaus regarding Debt XXXX reporting fraudulent accounts on my Credit Report. 

1XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
Account number : XXXX Date Opened : XX/XX/XXXX ... ... ..... 

XXXX. ( a ) I have disputed this collection and requested a copy of the original signed contract from XX/XX/XXXX and the debt collector has not responded. I provided my original documents from XXXX of this account to Experian and I also provided a Photo of my Credit Card with the expiration date of XXXX. I tried to explain to Experian that the debt collector is committing fraud and re-opening closed accounts with fraudulent " New Opening dates and fraudulent Payment History dates '' ... ... ...... 

XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX ... ... ..... 

XXXX. ( a ) I have disputed this collection and requested a copy of the original signed contract from XX/XX/XXXX and the debt collector has not responded. I have no documents or XXXX XXXX with the account number XXXX ... ... ...... 

XXXX. XXXX XXXX I Original creditor : XXXX XXXX. 
Account number : XXXX Date Opened : XX/XX/XXXX ... ... ...... 

XXXX. ( a ) I have disputed this collection and requested a copy of the original signed contract from XX/XX/XXXX and the debt collector has not responded. I have no documents or Credit Cards with the account number XXXX ... ... ... ..., XXXX. XXXX XXXX XXXX Original creditor : XXXX Account number : XXXX Date Opened : XX/XX/XXXX ... ... ... ..... 

XXXX. ( a ) I have disputed this collection and requested a copy of the original signed contract from XX/XX/XXXX and the debt collector has not responded. I have no documents or XXXX XXXX with the account number 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 : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC 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

Please help me to stop a foreclosure that is scheduled for XXXX XXXX. It would be unnecessary and unfair to foreclose while I am still waiting for a response to my appeal of Ocwen 's wrongful denial of my modification request. All I want is a chance to make a reasonable payment. 

I applied for a modification and sent in all the information that Ocwen asked for. Then I was wrongly denied based on Ocwen 's error. 

In a " non-approval notice '' letter dated XXXX XXXX, 2016 ( attached ) Ocwen said I was denied for a modification because my income was too low. The notice says that Ocwen verified my gross income as {$XXXX}. That is completely wrong. 

I had given Ocwen all the papers they asked for to document monthly income of {$XXXX} from retirement income as a retired XXXX XXXX XXXX employee, plus monthly income of {$XXXX} from Social Security ( {$XXXX} per month before deduction for medical insurance premiums ), plus monthly rental income of {$XXXX}. Even if they only count part of the rental income, that is still far more than the {$XXXX} they mentioned. 

So I sent Ocwen a letter dated XXXX XXXX, 2016 ( attached ) appealing the denial and explaining that they had made a mistake calculating my income. 

Ocwen confirmed they received my appeal, and in a letter dated XXXX XXXX, 2016 ( attached ) they said they would send me a written response. 

Since then, my niece has called Ocwen to check if anything more is needed. My niece has been authorized to talk to Ocwen for me since I am XXXX and it is also hard for me to communicate in XXXX. Ocwen has told my niece again and again that no more papers are needed for my appeal. They even told her the file was in the " under writing '' department. 

But we never got an answer or any update about the appeal. Instead, Ocwen scheduled a foreclosure sale for XXXX XXXX, 2016 ( letter attached ). 

Please have Ocwen postpone the foreclosure sale so there is time to give a fair consideration of my application and the appeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is a list of hard Inquiries that I have no knowlege of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XXXX I paid an outstanding debt to XXXX XXXX and received a letter from the court saying my debt was fully paid. I have attached a copy of that letter from the court. Even though the debt has been paid I still receive harassing phone calls and letters from collection agencies. I have attached a letter sent to me from XXXX XXXX XXXX. I have tried over the years to explain to XXXX through phone calls and letters that the debt has been paid, and made them aware of the letter I have received from the court stating the debt has been paid. XXXX does not care and they continue to harass me day after day, year after year. They have even called my friends and family asking where I am and told them I owe XXXX XXXX. Also they have threatened further legal action even jail. Enough is enough I want something done.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. JPMCB CARD XXXX or JPMCB CARD XXXX Date Opened : XX/XX/2017 Balance : {$3100.00}.
Product: Debt collection

I was sent a letter from my local court XX/XX/24 saying I'm being sued for a debt in the amount of {$3100.00}. I notified the company via phone, email and letter via mail on XX/XX/24 asking for a debt validation letter, a detailed list of payments, original signature by me, if there was an insurance claim filed, proof of chain of title to collect and proof of debt assignment. I received statements from the law firm. No validation letter and none of the above. I had no idea of this debt. It's also listed on my credit report. Should I contact the 3 credit bureaus?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently part of a class action lawsuit with Wells Fargo CPI, and they are admitting that they were at fault and contributed to me filling a bankruptcy do to repossessed vehicle, Im asking Well Fargo to contact XXXX to have Bankruptcy removed that was filled in 2012, thank you
Product: Mortgage

We are completely satisfied with our current FHA mortgage. We keep receiving letters and phone calls from JFQ Lending. On several occasions over the last 4 months we asked them to remove us from their mailing and asked for the phone calls to cease and desist. The letters come in the form of official government documents. We would like assistance getting our address off their mailing list.