23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, XXXX XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CREDIT MANAGEMENT LP Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CREDIT MANAGEMENT LP Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge.
Product: Credit reporting or other personal consumer reports

Experian has failed to provide written proof that I was the one who opened these accounts below ; XXXX XXXX XXXX - # XXXX XXXX XXXXXXXX XXXXXXXX - # XXXX XXXX XXXX XXXX XXXX I continue to hear the same response - According to our research, these accounts are valid. That tells me nothing - where is the written proof I requested? Anyone can call and report something- where is your proof, my signature? They have failed to submit this to me!
Product: Student loan

I have been participating in the XXXX XXXX XXXX XXXX program, certifying my employer annually and receiving updates on how many qualifying payments I have made yearly. This XX/XX/XXXX was the first time I've been made aware that 13 of my payments are no longer considered as qualifying payments. In XX/XX/XXXX, I paid XXXX cents more on a payment due in XX/XX/XXXX and XX/XX/XXXX. My loan servicer states this put my account in paid ahead status continuously for 13 months, therefore disqualifying all XX/XX/XXXX payments and a payment made in XX/XX/XXXX. I  paid the exact amount owed according to my repayment plan from XX/XX/XXXX-XX/XX/XXXX. It does not seem appropriate that {$1.00} could be applied to construe my account as paid ahead when my payments in XX/XX/XXXX were $ XXXX/month, and later closer to $ XXXX/month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX monitoring found me in these following data breaches : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing the following information due to it being incomplete and inaccurate. I've submitted disputes for the past 10 months with documentation supporting my claim of identity theft. 

This Credit agency has refused to comply and do their just diligence with removing fraud from my credit report. I've requested they show me how my claim was investigated which is my right under United States law, this was completely ignored thus violating my rights and breaking the law. Each time I Called the company directly to speak to a specialist after I explained the situation I was hung up on my their representatives,
Product: Payday loan, title loan, or personal loan

XXXX has recently contacted me, telling me that I owe them over {$600.00} for a loan that has already been paid 3 times the amount of the princial payment. The interest rate of the loan is over 700 %.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft through XXXX data breach attached is a copy of my Identity theft report with all listed fraudulent inquiries on my transunion credit report Fraudulent Transunion inquiries XXXX XXXXXXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I asked for a investigation previously on my account so I'm asking for help with these XXXX accounts. 
XXXX XXXX- account number XXXXXXXX XXXX XXXX XXXX XXXX These account are reporting incorrectly the information in these account are incorrect and i have information to prove it.
Product: Credit card or prepaid card

I am facing severe issues due to the failure of Citibank 's fraud detection system, and a subsequent lack of prompt resolution of the fraudulent charges on my account. 

Around XXXX of XXXX, I had transferred a balance to this credit card, which prior to that had an account balance of {$0.00}. I had only used the card occasionally before this event, and following the balance transfer I used it exclusively for monthly auto-payments to reduce the transferred balance. There were no other activities on the card. 

On XX/XX/XXXX, Citibank contacted me, stating they had noticed suspicious activity on my account. Upon reviewing my account, I discovered numerous fraudulent charges from XX/XX/XXXX to XX/XX/XXXX. I immediately contacted Citibank, requested to close my card, and initiated a dispute against these charges. The Citibank representative assured me that the majority of claims are resolved and credited within a few business days. 

However, on XX/XX/XXXX, I noticed the fraudulent charges were still present, and new unauthorized charges had been posted to my account. I contacted Citibank again to add these charges to the dispute. I was then informed that it would take two weeks from the initial dispute filing date ( XX/XX/XXXX ) for the charges to be credited. 

On XX/XX/XXXX, I found another fraudulent charge had posted to my new card, with a posting date of XX/XX/XXXX. I again contacted Citibank to add this to the dispute, and I was then informed that it could take up to XXXX months for the fraudulent charges to be credited. Moreover, they confirmed these charges would remain as part of my owed balance as reported to credit bureaus during this period. 

Citibank 's claims of routine account monitoring of suspicious activity to detect fraud or unauthorized use and their assurance of {$0.00} liability on unauthorized charges are clearly contradicted by my experience. From little to no activity for years, my account suddenly showed dozens of charges at convenience stores, liquor stores, fast food, pharmacies, restaurants, movies, bars, hotels, from XX/XX/XXXX to XX/XX/XXXX, for a total of {$1500.00}. Citibank 's early warning fraud detection system failed to alert me to these clearly suspicious activities until XX/XX/XXXX, XXXX days after the spree began. 

The repercussions of this are severe. The fraudulent charges are reflecting in my balance, causing my debt-to-income ratio to increase, and my credit score to decrease. This negative impact on my credit score is entirely due to Citibank 's failure in their detection and resolution system, and it appears this may not be rectified for up to three months.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report, without any authorization, they are not mine, they are hurting me Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

4. Identity Theft BK OF AMER Account Number : XXXX This is not mine.
Product: Student loan

My account was transferred to this company, they have not sent out any e-mails, calls, letters to me in order to start re-payment process. I'm unable to login to their website, customer service is non-existent. I've tried calling, e-mailing them and nothing. I'm unable to pay my loan, and will be marked as late soon.
Product: Debt collection

MIDLAND FUNDING has falsely and illegally placed collection on my three consumer credit reports. Not only did midland funding fail to contact me in 15 days of reporting which is a violation of the FDCPA THIS COLLECTION WAS CAUSED FROM IDENTITY THEFT. This company has violated my consumer right by failing to verify this debt, and adding it my three credit reports which has damaged my character and prevented me from seeking finical assistance during this pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act, XXXX XXXX XXXXXXXX account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX Bank account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number 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 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Consumer Loan

My husband and I have been trying to get a payoff on a RV loan faxed to XXXX in XXXX, Ohio from First Merit Bank in XXXX, Ohio for the past 10 days. We are senior citizens and have decided we are getting too old to be hauling an RV everywhere. We have an interested young man who wants to buy it. His loan has been approved through the bank in XXXX. The bank requested the payoff in writing be faxed to them from First Merit. After numerous phone calls requesting the fax be sent, they are now telling us only XXXX handles that and she is out of the office. They wo n't give us XXXX supervisors name. In the meantime we have had to turn down XXXX prospective buyers because we think it is sold. Our buyer is getting impatient because he needs the RV for his business travels. Seriously 10 days to figure a payoff which the computer will do and fax a document? That 's really inefficient and unprofessional. We 've had payoff information faxed from other banks recently and they all did it while we were on the phone with them. First Merit is going to cause us to lose the sale on the RV. And we 've turned other prospective buyers down.
Product: Credit reporting or other personal consumer reports

I am writing to express my significant concern about inaccurate items reporting on my credit file. I have raised several complaints about this issue, despite my efforts the erroneous items continue to severely damage my credit file. It has caused every credit application for the past 2 years to be denied. According to 15 U.S.C.1681 Section 611 ( a ) ( XXXX  ) ( A ) there should not be any damages on my credit report this is defamation to my character and I want to emphasize the severe financial and emotional distress that this negative rating has caused me for the past XXXX  years and will continue to cause until it is resolved.The information on my credit report was obtained without my consent. Pursuant to the Privacy Act of XXXX ( XXXX XXXX Code XXXX ) and the Fair Credit Reporting Act ( XXXX XXXX XXXX section XXXX ), I did not authorize the release of my personal information or credit history to XXXX, XXXX or Transunion. Additionally, I would like to bring to your attention that under the XXXX XXXX Transfer Act ( XXXX XXXX XXXX ), any financial institution is required to obtain written consent before sharing any sensitive information about an individual 's financial history. 
It has been well over a year since XXXX completed its investigation and removed these erroneous accounts in may of XXXX XXXX has completed its investigation, including contacting the furnisher of the information. The results of the investigation were provided to Transunion and XXXX in several complaints yet they both completely failed to conduct a proper investigation or comply with FCRA STANDARDS, entirely refusing to fix these issues, and continue to report inaccurate information to my credit file with actual knowledge of errors. This is a clear violation of my consumer rights, specifically Responsibilities of furnishers of information to consumer reporting agencies ( 15 U.S. Code 1681s2 ), Civil liability for willful noncompliance ( 15 U.S. Code 1681n ), and Civil liability for negligent noncompliance ( 15 U.S. Code 1681o ) I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance. I ask that you remove this erroneous account from my credit report immediately. Account XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have no knowledge in doing business with the companies listed
Product: Debt collection

I received a call from ( XXXX ) XXXX at XXXX XXXX on XXXX XXXX, 2018.  They asked to speak with an individual I do not know. Typically, I just hang up the phone, but I have been receiving these calls so frequently that I decided to try to sort out the problem. I asked them to provide me with the caller 's name, organization, and purpose. The caller hung up on me, so I called back and went through a similar conversation with another person, XXXX XXXX. When asked who they represented, they said, " XXXX. '' Eventually, I was able to get them to say that the organization is Direct Recovery Services. I attempted to have a conversation with them regarding how they acquired my phone number and how to get them to stop calling me. This individual also hung up the phone in the middle of our conversation. I do n't know the person they are calling for, and I have repeatedly told them they have the wrong number and to stop calling.
Product: Credit reporting or other personal consumer reports

XX/XX/23 i sent transunion a dispute in regards to a charge off reporting to my credit that are not valid. Please have transunion process my request as it has been passed 30 days and have yet to get any repsonse to this matter.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent : Rectifying FCRA Violations in My Credit Report Dear Equifax, I'm reaching out urgently to address concerning discrepancies I've discovered in my credit report that directly contravene the guidelines outlined by the Fair Credit Reporting Act ( FCRA ). Upon a thorough review, it's apparent that several errors persist within my credit profile, indicating a notable failure in FCRA compliance within your agency. 

To clarify : The Fair Credit Reporting Act is a vital federal statute governing the collection and reporting of consumer credit information. It mandates the accurate acquisition, retention, and disclosure of consumer credit data, fostering transparent information sharing with consumers. 

Identified instances of FCRA violations include : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information based on name similarities or social security numbers. 
Agencies neglecting prescribed protocols for handling disputes. 
Under the Fair Credit Reporting Act, I'm entitled to : Verify the accuracy of my report, especially for employment purposes. 
Be notified if my file 's information has been used against me in credit applications or other transactions. 
Dispute and request bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information ( typically after seven years, or ten in cases of bankruptcy ). 
I formally request the immediate removal of the listed items below. These items undoubtedly breach FCRA standards due to their inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused significant distress, as evidenced in my recent denial for extended credit due to errors originating from your agency. 

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

2. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

3. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 6. XXXX XXXX Account Number : XXXX This account doesn't belong to me. Please remove it from my credit report to avoid any litigation. 


I anticipate prompt action to rectify these violations within the timeframe mandated by the FCRA. Failure to comply will unfortunately compel me to pursue legal measures to ensure my rights under the FCRA are upheld. 

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

I was a victim of Identity Theft this summer. There was a loan taken out in my name on XXXX XXXX, 2017. This was the first incident and it took me a minute to realize it until I started receiving debt collector calls about it. The loan itself has been taken care of because the person pleaded guilty and the debt collection company removed the open account. However, XXXX XXXX XXXX absolutely refuses to take the inquiry off of my XXXX Report and denies that it is fraud. Ive had about 10 inquiries total added to my report in the past few months so I am not okay with them ignoring my case like this. The person is in XXXX!
Product: Mortgage

I was out of work for a few months in XXXX. I contacted Bank of America to inform them of the issue. Still out of work, I chose to use a credit card to make my mortgage payment. After a couple months of doing this and seeing my debt rapidly increase, I stopped using my credit card. I regained full time employment in XX/XX/XXXX. I contacted Bank of America to inform them that although I 've obtained full time employment, I 'm still not capable to make full mortgage payment. I was told that due to my account being delinquent that I was being sent to foreclosure. I constantly tried to work with Bank of America. I involved NACA and Home Owners Assistance programs. I kept receiving information that stated there 's no proof I live in the property. To which, I told the representative that they all are more than welcome to come over for dinner and see differently. This went on for a year. I routinely submitted the necessary documents to prove my case. As of today, XX/XX/XXXX, I 'm about 22,000 behind in my mortgage and I still want my home. Bank of America is not willing to help me retain my home. Instead they either want the XXXX or the home will go to foreclosure. Because I am still getting the threats of foreclosure, I am choosing to save my mortgage payments in the event I am locked out of my home by the time I get back. Not to mention, the home is not worth NEARLY the amount I owe on it. Homes in the area have sold between XXXX and XXXX. I currently owe XXXX. Even if I choose to do a short sale, I 'll still owe more than the home is worth. To proceed with the foreclosure, the home has been appraised at only XXXX.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : ACCOUNT NAME XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX I did not authorize those employed by these companies to inquire and view my credit report. In addition, I did not give you ( XXXX XXXX, XXXX, Equifax ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

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

XXXX XXXX XXXX, initiated 3 hard inquiries on my equifax credit report without my authorization. The inquiries where improper and unnecessary. All three inquiries were done in less than 90 days. I contacted XXXX XXXX XXXX by phone and they told me they had no record of the inquiries. I also contacted them on writing, with no response. The inquiries were done on the following days. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 

XXXX XXXX XXXX XXXX XXXX, NC XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I noticed a hard inquiry that was place on my XXXX XXXX from Bank of America from Texas. Someone stole my IDENTITY to use my name to open an account to this bank. I file a complaint to FTC about this madness they had give me a referral number. It is attached to this complaint as well.