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

Hello, i recently sent a complaint over to you regarding Equifax. I have been having issues with Equifax since XX/XX/XXXX. They have some type of freeze/lock on my credit profile with them. I did not authorize a freeze. My credit score has been at a stand still with this company and my credit report is showing 0 % as if i have no credit. I have no issues with XXXX or XXXX my credit report is showing and my scores are changing. Thank God its getting better. Due to majority of the companies using Equifax to determine i assume approval i have not been able to get any type of loan or anything due to this matter with this company. I have reached out to them several occasions by phone, they seem to not keep track of the last call or confirmation number the representative gave when she spoke with me. I contacted them today XX/XX/XXXX, i explained the issue and informed them that we need to get this issue resolve asap, or i will have to seek legal help because its causing issues with approvals, i was hung up on by the rep. I can not seem to get any solution with Equifax. I really need help, an attorney that can get this case or whoever can get help get this issue resolved. I XXXX  reviews on them and there are more people that have had or are experiencing the same with this company and dont know what to do about it. Help. Someone need to investigate Equifax. This is upsetting me i will write a letter to the President of the United States about this and see if he can help me. I am trying to homeowner soon and other and I can not have this to ruin anything with getting this done. I dont want to speak with Equifax anymore Ive done all i can to speak with them nothing but issue resolved, a confirmation number and a postcard thats mailed from Equifax office location in XXXX  , Georgia saying the issue is resolved. I need help or attorney that can help me sue this company and start an investigation with them. I think this company is doing something they have no business or have been breached. I ready to take legal action on them.
Product: Debt collection

This debt does not belong to me. And i never and was not able or available to use ambulance at the time of the debt. Because i was imprisoned at the time.
Product: Credit reporting or other personal consumer reports

I just received a copy of my consumer report and I noticed that the items I previously disputed are still showing. I have already provided an Identity theft report to support my claim that these companies have committed fraud by stealing my non public information and reporting it without my written consent. According to 15 USC 1681i you are required to investigate these items. You stated that the data furnishers have verified the accounts belong to me, but how did they prove that. What document they provided? what evidence will you have to defend your company in federal court for violating my rights. I want you to understand that I am in the process of buying a home for my family and these accounts are causing extreme damage to my creditworthiness. Once again here are the fraudulent accounts:XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX ( # XXXX ) XXXX account # XXXX XXXX XXXX XXXX account # XXXX  None of these accounts belong to me. I have never entered into a consumer credit transaction with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried for months to get my credit pulled up, Equifax does not pick up there phone, I have a code XXXX that pops up and wont give me or letter people run my credit. I'm almost ready to get a lawyer. If you get this code good luck
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account name 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 : Also states a consumer reporting agency can not furnish a account without my written instruction.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX BANK XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX BANK XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX A XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : {$1900.00} XXXX BANK XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX BANK XXXX XX/XX/2021
Product: Credit reporting

Looked at my credit report and saw that they had account so my court in which I had no knowledge of which are all reporting negatively and affecting my credit worthiness. I have open dispute with all credit report agencies and I have n't been able to get a clear response to the handling of my credit disputes. Currently I have open dispute and the credit reporting agency has allow companies to be on my credit report that has not communicated with them in over 30 days to remain on my account even though I have gave multiple instruments to support my call for possible identity theft in and accounts being open without my knowledge.
Product: Mortgage

My Name is XXXX XXXX and I had a Mortgage that was paid 13 years ago with a company called Select Portfolio Servicing old loan # XXXX Once a mortgage is paid off, the company had a duty and obligation to record the mortgage as satisfied with the county. About 3 months ago, it was discovered that the company did not properly record the satisfaction of mortgage with the county. Select Portfolio Servicing Inc recorded the satisfaction with the wrong instrument number, therefore not acceptable to the current title company to issue title. I was delayed from conducting the real estate transaction for the last 60 days. The new title company pulled a copy of the original mortgage and the satisfaction instrument and it was clearly recorded incorrectly. All was presented in a nice clean file to the Select Portfolio Servicing Inc 80 days ago. To this day, there is no resolution on this case. When you call in, you have to explain yourself over and over again. I just get the run around. I made 47 phone calls and have spent over 6 hours on the phone. They keep on blaming this issue on their reconveyance department. I need to sell this house ASAP. Please help me
Product: Credit card

My statement balance showed a promotional payoff balance of XXXX. I gave them XXXX. Instead of paying off the promotional balance and then applying the extra XXXX to the rest of the balance they took the whole XXXX and applied it to the full balance. I called and talked to someone who said it would be fixed and then I got a letter in the mail saying it wouldnt be fixed. I was told while having this card it the payment would be applied to the promotional balance that was expiring. Now I will be charged interest on about {$30.00} that was supposed to be paid off.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following inquiries from my credit report. As a victim of a data breach, I believe these inquiries were made without my authorization and are the result of fraudulent activity. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681c-2 ( a ) and 605 ( b ), I request that the inquiries listed below be removed immediately : Inquiries to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The statue of limitations for the State of Texas is 4 years, and I have not received any money from a loan in the last four years and this was explained to MCM Midland Credit Management , Inc of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX California XXXX when they called me, but they continue to call and send me letters. I am named in a Class Action Suite Against them notified by XXXX XXXX XXXX but have not had any results of the lawsuit since XX/XX/XXXX. They have continued to harassment telling me that they will report me deliquent to the credit agencies until I pay them the {$11000.00} that I owe them. The last letter they sent me was XX/XX/2016 saying I could pay a XXXX % discount of only {$3300.00} or 12 months of {$460.00}. I think the lawsuit did not go through so I am filling a complaint against them for myself because they will not leave me alone. They have called me so many time that the phone line with XXXX XXXX XXXX did not work and I had to close the account. Please help me to get them to stop harrassing me until I die. Thank you.
Product: Debt collection

there was so many that applied on the above I just picked an action, This company has reported to my credit, made threats and continues to pull my credit with a hard inquiry almost monthly, and they keep re reporting the debt which the credit bureau has to keep removing, they are a thiurd party collection collecting on a debt that is past statue of limitations, and the very rude lady asked me if I was illiterate when I advised that I knew my rights through the CFPB, and FDCPA she told me that she can report for 7 years from the date she receives the file, and advised me I was uneducated, then reported to my credit and then reported to my wife 's credit when she was advised that the account was included in a bankruptcy and she was violating those laws also this company 's unscrupulous attincs have not stopped and they again pulled by consumer credit bureau in XXXX days apart, they also tried to re report again but it was blocked by my credit monitoring which I had to add cause of there actions which is costing me additional money to fight them at this point I would like you to get involved and put a permanent stop to this, and levy the fines and penalties that are warranted under this broken practice laws the company is Creditors Specialty Serv XXXX Ca XXXX XXXX address XXXX XXXX XXXX XXXX XXXX Ca XXXX Ph : XXXX and they call multiple times a day from XXXX both mine and my wifes phones and are VERY demining Oh and she re reported me as a " skip Can not locate " 24 hours after calling me Uneducated " and I have screen shots from my credit monitoring service the current report dates are XXXX, XXXX, XXXX, She called on XXXX at XXXX and I hung up on her when she called me uneducated and she called immediately back at XXXX She called at XXXX at XXXX and this was the call that she reported me Skip can not locate after, this is all documented and has caused my wife and I stress and hardship and financial damages, PLEASE intervene
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. 

Account Name : XXXX  XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX  # XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX  # XXXX XXXX Account Name : XXXX  XXXX # XXXX, Account Name : XXXX XXXX  # XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

about 4 months i recieved a copy of my credit report and noticed severals accounts tha are listed on my report that i never applied for never used and never received any benefit from i dispute these accounts and refuse to removed them all these accounts are result of identify theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on my credit reports, Addresses are wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on multiple occasions on XX/XX/XXXX stating that I was a victim of their inquiry issue and the representative failed to honor the inquiry issue and failed to help me giving me terrible responses that didnt solve the problem. These are the following hard inquires : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My information was sold and bought illegally because I was a victim of the XXXX XXXX XXXX. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that 1 was in fact a victim of this data breach and XXXX has done nothing. 
Please help me delete these illegal accounts from my credit reports. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$10000.00} XXXX XXXXXXXX Balance : {$150.00} XXXX  XXXX XXXX Balance : {$47.00} XXXX  XXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$150.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$4700.00} XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of XXXX XXXX, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit card or prepaid card

I have not received billing statements via mail nor by email for several years. Yet PayPal Credit c/o Synchrony Bank has made withdrawals from my checking account and have let interest accrue during the same time period. After attempting contact Synchrony Bank I received the first mail correspondence in years.
Product: Debt collection

I am a XXXX XXXX XXXX veteran, I have the va healthcare and XXXX. First Financial Resources is trying to collect {$2900.00} From me for XXXX XXXX.

My insurance either through the VA or XXXX should have covered this expense. It was for an ambulance ride. I contacted both the ambulance co and the collection company neither could produce any billing paperwork other than what day I was transported. This should have been covered and they have zero paperwork, I want this OFF MY CREDIT REPORT!!!
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to express my deep dissatisfaction with the fraudulent accounts currently on my credit report. Unauthorized and false information is affecting my credit history, jeopardizing my financial standing, and undermining my credibility. I request an immediate investigation and swift removal of these inaccuracies from my credit report. The presence of these entries is damaging my credit score and causing significant distress. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached supporting documentation proving the fraudulent nature of these accounts.
Product: Mortgage

they purchased my mortgage from another company, they then placed a an lien holder insurance on it to doubled my mortgage. so when i saw i was being told to pay double i find out they want me to send them my insurance information which they should have gotten from the previous lien holder. now they wont take it off for a year.. the insurance also is for a condo... not my personal insurance. Shellpoint ( newrez ) is shady...
Product: Credit reporting or other personal consumer reports

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Formerly XXXX Account # 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 agency can not furnish an account without my written instructions,
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

I spoke with XXXX XXXX and they stated the dispute comments would be removed. I am not disputing this account. They sent an electronic request to you all to have the dispute comments removed. The confirmation # for this request is # XXXX.