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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX. Please repair and update.
Product: Mortgage

I'm in a trail modifications for XXXX in XXXX and XXXX til XXXX of 2018.
Product: Payday loan, title loan, or personal loan

It shows i opened an account with speedy cash for {$680.00}. Which i didn't do.
Product: Credit reporting or other personal consumer reports

I have the following inquiries that I didn't consent to nor benefit from on my consumer report. XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX AND XXXX XX/XX/XXXX. This has caused me, and my family destress and emotional damages and should be removed immediately according to15 usc 1681b permissible purpose. 
I have a right to privacy ( PRIVACY ACT OF XXXX ) In accordance with the principles outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 section 602a, it is emphasized that consumer reporting agencies, such as XXXX and Experian, must execute their responsibilities with fairness, impartiality, and a profound regard for the privacy rights of consumers. As the individual in question, I assert my right to ensure the non-disclosure of my private information, a right substantiated by 15 USC 6801, which underscores the congressional policy obligating financial institutions to uphold customer privacy and safeguard nonpublic personal information. The entity providing information to credit agencies, colloquially known as the 'Furnisher of information to credit agencies, ' falls within the definition of a financial institution under the aforementioned title. According to 15 USC 1681 section 604a ( 2 ), a consumer reporting agency is permitted to furnish a consumer report solely in accordance with the explicit written instructions of the respective consumer. In this case, neither the financial institution nor the consumer reporting agencies, XXXX and Experian, possess my consent, whether it be verbal, non-verbal, written, implied, or otherwise, to furnish such information. All forms of consent are hereby revoked. Furthermore, 15 USC 6802 ( b ) ( c ) asserts that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer has been provided with an explanation of how to exercise the nondisclosure option. To my knowledge, the 'Furnisher of information to credit agencies ' failed to inform me of this right, rendering any such disclosure unlawful. It is essential to note that 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse information in a consumer report without proper authorization, specifically any adverse information exceeding a seven-year antedate. The inclusion of such adverse information on the account in question is a clear violation of this provision. Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A mandates that any person furnishing information to a consumer reporting agency must ensure the accuracy of the information provided. XXXX and Experian, by reporting inaccurate and unauthorized information, are in direct violation of this statutory requirement. In light of the aforementioned legal provisions and violations, I demand immediate corrective action to rectify the inaccuracies and cease any unauthorized reporting by XXXX, Experian, and the 'Furnisher of information to credit agencies. 


I also filled an identity theft report. See attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this case because LCI Consumer Center responded to my complaint stating that they are not the appropriate company to address my issue. That is untrue. LCI Consumer Center sent me a letter which I have attached stating that they act as a furnisher and provide bankruptcy information to XXXX. Please see attached 1st and 3rd page. 

LCI Consumer Center also stated that I should contact the US Bankruptcy court where it was filed. I did contact them and they stated that the credit bureaus obtained this information independently and that the US Bankruptcy Court does not report information to or remove information from the credit bureaus. Please see the 2nd page. 

LCI Consumer Center has falsified their verification method and submitted it to XXXX which is now on my credit report and have yet to remove it.
Product: Debt collection

I checked my credit and shows my name was compromised there's charged off account from XXXX XXXX XXXX XXXX I went and file police report # XXXX my identity has been stolen.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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

XXXX   XXXX ,    2017  On  XXXX   XXXX ,    2017  I mailed a letter to Experian requesting verification of  XXXX  accounts on my credit report. Based on  USPS  tracking records the letter was deliver via certified mail  XXXX   XXXX ,  2017  at  XXXX . In addition I have mailed a secound letter requesting the items be removed do to negligent noncompliance of the FCRA and for violating my consumer rights. Today is  XXXX   XXXX ,    2017  and I have no response from Experian. There are several documents included to support my complaint. I appreciate your intervention to ensure Experian upholds federal law from here forward in regards to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, CFPB I have a problem and believe that my personal and business info may be stolen and I want to get protected 1 ) Today someone tried to change login information and my phone numbers in the online banking with banks : XXXX XXXX, XXXX, XXXX and maybe others They have changed my email and phone number to their ( fraud ) My email XXXX Name XXXX XXXX My company : XXXX XXXX XXXX EIN : XXXX We have fixed the login information, but I afraid they have access to my personal info and SSN and need your help. 

2 ) Today I have checked my credit reports Equifax and XXXX and have found Hard inquiries that I never gave permissions and I afraid that this info may be stolen as well Here is details : XXXX  report : Date : XX/XX/2020 - Equifax Mtg Date : XX/XX/2020 - XXXX XXXX EQUIFAX report : Date : XX/XX/2020 - XXXX XXXX  Date : XX/XX/2020 - Equifax Mortgage Ser I need your help to fix that 3 ) Also, under my business XXXX XXXX XXXX ( EIN XXXX ) https : //www.ilsos.gov/uccsearch/searchindex.do I have 7 opened loans but in fact I have just 1 with XXXX currently I want to remove others
Product: Debt collection

In XX/XX/XXXX I was contacted by debt collector " XXXX XXXX XXXX  '' in regards to an alleged debt of {$560.00} from creditor : XXXX XXXX Co of NY. After requesting verification of debt from the above listed company and not receiving anything from them, I filed a complaint against them via the CFPB portal ( complaint ID XXXX ). " XXXX XXXX  XXXX  '' as well as another collections agency, " XXXX XXXX XXXX '' were both falsely reporting to the three major credit bureaus that I owed different debt amounts to this creditor : XXXX XXXX Co of NY ( Complaint ID XXXX ). After disputing both companies via the CFPB portal and filing complaints, they were both resolved and both companies removed the false collections accounts from my credit reports. 
On XX/XX/XXXX I was contacted by " Sunrise Credit Services Inc '' in regards to the SAME ALLEGED DEBT! The Creditor this time is referenced as : XXXX XXXX for the debt amount of {$560.00}. I am being harassed for a debt that is NOT MINE and I have now been contacted by this third collections agency in regards to this debt. This debt has already been disputed, dismissed, and resolved. This third collections agency is also requesting payment via western union or moneygram????!!! Im tired of being harassed for a debt that is not mine.
Product: Student loan

XX/XX/XXXX - I paid my full balance for a {$2000.00} loan plus the {$26.00} interest that accrued XX/XX/XXXX - The balance was processed on my checking account XX/XX/XXXX - I followed up with the credit reporters and was told it can take a while to update XX/XX/XXXX - I contacted Heartland ECSI regarding the inaccurate information reported on my credit. I asked for a receipt or official proof that I made my full payment but was told they can not provide such document. I was then told to dispute it with the credit bureau and submit disputes with XXXX XXXX, XXXX, and XXXX XX/XX/XXXX- I submitted a dispute to the XXXX credit companies : XXXX XXXX, XXXX, and XXXX XX/XX/XXXX- I received an email stating that my dispute was resolved but the information was still inaccurate. My report still states that I have a balance on that loan XX/XX/XXXX - XXXX XXXX instructed that I file a complaint as they confirmed that ECSI has not reported that I paid off my loan
Product: Mortgage

I worked overseas for 8 years after my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.My Spouse and I had purchased a home In XXXX XXXXThere some minor issues but we never looked closely enough concerning the documents until My Spouse got sick and i lost my local job position due to XXXX closing.We were both unemployed 8 years later we kept getting modifications due to the economy was tanking our payment were being drafted automatically but we didn't that the par partner we signed up had sold our mortgage ... .. below is the information concerning our ongoing battle over the property and now we are under 3 different mortgage services?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent a depute to TransUnion for closed account t be delete from credit reporting ( US DEPARTMENT OF AGRICUL ) ( dispute On XX/XX/XXXX ) for more than 30 days and by law, they did not hold up to the 30 days to comply and getting back to me about the investigation
Product: Credit card or prepaid card

I am an XXXX rewards customer. # XXXX. In XX/XX/XXXX, there was a promotion for a XXXX XXXX underwritten by XXXX XXXX XXXX XXXX XXXXXXXX. 

I was approved and at the same time purchased an XXXX XXXX XXXX pass for {$490.00}, with a virtual XXXX card ending in XXXX. 

I receive several emails from XXXX about my account in which I have a preferred XXXX however, I never received the card as of XX/XX/XXXX. 

My concern is I never received the card, I have at least a {$490.00} balance that I have no clue about my card number nor how to pay, and that now I will be delinquent as never received anything from XXXX. 

When you try to call XXXX it's just a number where you have to provide the whole account number, and no Customer Service is even available. 

So on XX/XX/XXXX, I called XXXX XXXX rewards at XXXX and talked to XXXX who was very nice and gave me a number for XXXX of XXXX. This number is a bad number as it just says XXXX does not service XXXX anymore as of XX/XX/XXXX and just refers to a website/Amtrak which is the same site one signs up for, thus a merry-go-round. 

I called back XXXX and said i need this stepped up to operations as i used to work for XXXX and that I will have to file a complaint with CFPB. Since I was in investigations and worked credit card fraud, i know how this works, however, without ever getting to XXXX, to a live person, this will never get resolved due to really poor communication, thus if I am harmed and have damages, I will have to sue both XXXX and XXXX for false advertising and tort claims due to a hit and late charges on my credit. 

I am attempting to resolve this prior to any action. All I know I have a XXXX with XXXX and XXXX with an account ending in XXXX, under XXXX XXXX, which is the same as the XXXX rewards #. 

I confirmed with XXXX my address is correct, XXXX XXXX XXXX # XXXX XXXX XXXX, AR XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

XXXX XXXX collection agency contacted me to discuss a claim in reference to my daughters impacted XXXX XXXX XXXX I advised them that I was working with dental office and my insurance carrier that the is a dispute between my surgical plan and my dental plan. I advised that they are both pointing the fingers at each other. my company HR representative is also working on it. this is not my fault, its a insurance issue. As of XX/XX/XXXX, theres a 180-day waiting period before unpaid medical debts can show up on consumerss credit reports giving me and my insurance carriers sufficient time to investigate the representative from agency was rude and told me they were going to sue me. 

all 3 bureaus have placed on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

That account which I listed on Identity Theft is not belong to me. I have never had a business with that bank. I never opened that account and did not give any documents and did not put my signature. Some body used my personal Information. Please remove this account from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XX/XX/XXXXXXXX - XX/XX/XXXXXXXX
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 Account # XXXX, XXXXXXXXXX****, 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 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I have not received a legitimate response to this issue and it has been several business days. I only receive automated responses from bitcoin despite promises of responses with 72 hours. On XX/XX/XXXX I sold XXXX BTC for {$3200.00} USD. The funds still have not been deposited in my linked checking account. OnXX/XX/XXXX I was notified that a payment will be sent to my XXXX XXXX by Thursday XX/XX/XXXX but the payment still has not been received as of today, XX/XX/XXXX. I would like to know the status of my sale of bitcoin and the payment that I am expecting? Should I still expect to receive {$3200.00} to be deposity in my account? See below for the transactions on my account : Sold bitcoinXXXX BTC {$3200.00} USDTO XXXX XXXX ********** XXXX XX/XX/XXXX COMPLETE
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXXXXXX XXXXXXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I pulled an XXXX credit report, to check my score prior to purchasing a car. I was surprised to see my score terribly low. I reviewed the report to find a host of items that I did not recognize. I attempted to reach out to the creditors but was refused any information, because I didnt have the passwords or PINS to the accounts and without that information I would need to get a police report to move forward. I have not given anyone permission to use my information to obtain credit or open accounts with my personal information. Please find the following account information : XXXX XXXX OPENED XXXX, XXXX open balance : XXXX original creditor XXXX XXXX XXXX XXXX XXXX : open responsibility- joint XXXX XXXX XXXX opened : XXXX open balance : XXXX original creditors : XXXX XXXX XXXX XXXX XXXX status XXXX open responsibility : individual XXXX XXXX XXXX XXXX : XX/XX/XXXX balance XXXX status : closed XXXX XXXX XXXX XXXX opened : XXXX XXXX open balance : XXXX original creditors : XXXX status : open responsibility : individual INQUIRIES : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX-XXXX XXXX , XXXX XXXX XXXX services, XXXX XXXX XXXX XXXX-XX/XX/XXXX I have disputed these accounts, filed a police report, I have been successful in removing some items but I continue to see several items showing listed above even after my repair attempts.
Product: Debt collection

During the last week of  XXXX , I was notified by a credit monitoring company that  Ability Recovery  placed a collection on my credit report. I both wrote to them and filled out the complaint form with CFPB. The only response I received was that I did not provide them with enough information for them to research my complaint and debt validation/verification. I gave them my address, phone number and social security number - the same information they apparently used to gain access to my credit reports. Despite all of this, they are still attempting to collect the debt via placing a negative mark on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, National Credit Adjusters appears to have purchased a debt from XXXX XXXX XXXX XXXX for an account where the Original Creditor was " XXXX XXXX ''. This account was originally opened XX/XX/XXXX, and originally went to collections in XX/XX/XXXX ( according to a previous credit report pulled in XXXX ). As of XX/XX/XXXX, NCA changed the " Date Opened '' on the debt to XX/XX/XXXX, thereby resetting the time the debt will remain on my credit. I believe they did this using the COVID-19 pandemic as some way to justify changing the " Date Opened ''. I have filed disputes with both XXXX  AND XXXX but both concluded the information was accurate, per the information provided by National Credit Adjusters, even after I told them to check my report history and they were able to see the previous account from XXXX  XXXX XXXX XXXX with matching balances while I was on the phone with the Credit Bureau 's Customer Support. However, I have my credit report that was pulled back in XXXX, when I purchased my house, that shows the Original Date on the Debt w/ XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and going to collections in XX/XX/XXXX. I'm filing this complaint because I believe that National Credit Adjusters is purposefully committing fraud, using the COVID-19 pandemic as an excuse to " reset '' the original date of debts they've purchased, in hopes of being able to force collection. I have the previous credit reports to backup my information that this debt did NOT originate in XX/XX/XXXX, but in XX/XX/XXXX and due to the debt being eligible to come off my report next year, believe that National Credit XXXX is maliciously attempting to capitalize off of loopholes due to the pandemic, in order to keep the debt on my credit, and possibly even pursue legal action against me in the future in order to collect. Neither XXXX  nor XXXX will explain to me how the Original Date of the account was allowed to be changed, nor what documentation National Credit Adjusters provided to backup their claim. This account is severely impacting my credit and at this point I'm at a loss as to how to protect myself in this situation.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries : XXXX - XX/XX/XXXX XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Employers : XXXX XXXX  Also Known As : XXXX XXXX