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

In accordance fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality act 15 usc 1681 Account : XXXX XXXX # XXXX Account : XXXX XXXX XXXX # XXXX Account : XXXX XXXXXXXX XXXX XXXX # XXXX Account : XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXXXXXX XXXX  XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX # XXXX Has violated my rights. 
15 u.s.c1681 602 section states I have the right privacy.

15 u.s.c1681 section 602 A section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 1681c. ( a ) states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, any than records of convictions of crimes witch antedates the report by more than 7 years 15 u.s.c 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer by any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$1800.00} XXXX XXXX XXXX XXXX  -- {$3600.00}
Product: Debt collection

I am writing you this statement for you to delete the following information provided on my report. The items I need deleted are listed in the report. I am a victim of identity theft and I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission affidavit. Now that I have given the following information about my report, please correct these errors or I shall proceed with involving my attorney!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX/XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   ACCOUNT NUMBER : XXXX
Product: Debt collection

There is a company stating I owe $ XXXX for an XXXX XXXX XXXX account which is false. Requested validation pending information in still. Please help
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX Balance {$810.00} XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX Balance {$32000.00} XXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXXXX/XX/2024
Product: Debt collection

I received a voice mail on XX/XX/XXXX from XXXX XXXX stating that she is coming to my place of employment, will speak with someone to find out what time I will be in, then she is coming to my home and she will get in contact with one of my relatives. In this voice mail she never stated what company she represented and I take this type of voice mail as a threat.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  ) XXXX, XXXX XXXX ( Original XXXX : XXXX XXXX XXXX  ) XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  ) XXXX have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are too many inaccuracies in my report and i have filed disputes with EXPERIAN on the dates below EXPERIAN. 
- XXXX XXXX XX/XX/2022 It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Product: Debt collection

I never lived in Virginia or had and power service in Virginia I have tried to dispute this numerous times and they keep saying they disagree. Someone use my info and ran up a XXXX $ bill in electricity. It's not me or my authorization of this bill or account. I need it removed.I have not supplied proof under the doctrine of the estoppel by silence. Engelhardt v. Gravens ( XXXX ) 282 SW 715. 719.! I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exist.
Product: Vehicle loan or lease

My vehicle is financed through Credit Acceptance. To avoid repossession of the vehicle, I agreed to an installment plan on my account. The current installment plan is for the amount of {$560.00}. The total amount is {$700.00}. I was informed that late fees & interest will still apply. However, the payments are not being accurately reported. Instead of the payments being recorded as agreed, they are being reported as missed.
Product: Debt collection

I.Q.Data International have put the debt falsly, first they put this on my husbands account that c we did jot pay the rent at XXXX XXXX, my husband filed the complaint through cfbp and they already agreed that they will remove it because their client have no documentation to back their claim, now they put it on my credit report. This is a fslse claim, a fraud to destroy someone's credibility, we were about to buy a house and everything destroyed, no one wants to give us an apartment for rent because pf this fraudulent charges from I.Q. Data. We will be homeless because these corrupt companies are filing fraudulent debt. We do not owe any money to any apartment. We completed our lease and left on time, not a day more than our lease.
Product: Credit reporting or other personal consumer reports

I have not authorized these inquiries and am convinced they are deceptive. I urge you to conduct a thorough probe and swiftly eliminate them from my credit file. I have furnished supporting paperwork for your scrutiny.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, my car was broken into. I had a debit card stolen and a XXXX XXXX XXXX credit card stolen. My bank fixed the fraudulent charges on my debit card. However, the XXXX XXXX XXXX was newly opened and I had never used it. yet, someone had made a {$1200.00} purchase on it. I reported the card stolen to XXXX XXXX ( the number on the card ) immediately, I was told that they would sort it out and issue me a new card. They never did either. Now this debt is severely effecting my credit. The debt is not mine. This company allowed someone who was not me, make a purchase in their store, without even checking their identification.
Product: Checking or savings account

Hello and good afternoon i have a bank account with citizen banks in XXXX ny. I find out that were more than 20 fraudulent transaction i notify the bank ASAP and the bank declined my request in the sum of {$8800.00} the bank doesn't want to be responsible i need your help please asap..
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, my company XXXXXXXX  XXXX ran it's first payroll run with Square Payroll service. I was repeatedly reminded and solicited advertisements for their payroll service. Immediately after withdrawing the funds for ACH payment, Square Inc deactivated my payroll service account without notice. Their reasoning was the fact that they can deactivate anyone 's account if they feel like stealing their money. Anyways when I tried contacting Square Inc my attempts were blocked. When I figured out a way to get around their blocks that prevent customers who had their money stolen and they then blocked my phone number. They kept telling me different dates at which the money would be returned and I realize now that there was never any intention on returning the payroll funds Square stole. Originally it was 60 days but the funds were never returned. This is a repeated pattern of behavior by Square apparently, judging by their social media mentions. It seems like pretty textbook ACH fraud. All in all, Square stole over {$17000.00} from my company and put it out of business. I have bank statements and emails verifying all my claims in the complaint.
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.

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 XXXX 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: Mortgage

On the XXXX of XX/XX/2022 I closed on a XXXX XXXX with XXXX XXXX XXXX XXXX. The address of the property is XXXX XXXX XXXX, XXXX VA XXXX Prior to closing I expressed concerns I had about the structural integrity of the home with both the Lender ( XXXX XXXX XXXX XXXX ) and my real estate agent ( XXXX XXXX of XXXX XXXX ). Both parties assured me repeatedly that the VA had very strict standards about minimum property requirements and would not allow any home with safety or sanitary issues to be approved for a VA homeloan. After being presented with inspection documents saying nothing was found I closed on the home. Immediately following closing and moving in with my family I found that the home was full of mold ( including black mold ), termite damage and water damage. The conservative estimate to make the home safe ( inhabitable ) is {$200000.00}. Based on the property value and the age of the home it is not reasonably savable. 
After finding PROOF that the sellers, both parties real estate agents ( theirs and mine ), the lender and possibly the VA appraiser were all aware of the termite damage - at least. A termite inspection was done and all the damage was found and reported prior to closing which would have prevented the sale going through. A false documented was used at closing and presented to me, signed by the sellers and approved by the lender with no corresponding invoice, at closing saying nothing was found. 

As a result I have had to spend thousands of dollars to document all of this, move my family out of the house to safety, hire attorneys etc. my attorneys have filed a consumer fraud lawsuit and the above named parties are being served. 

I requested a forbearance from the lender in XXXX XXXX XXXX. I also reported all this information directly to the VA Office that overseas the homeloan program. No help has been granted. XXXX XXXX XXXX is very aggressively seeking foreclosure and public auction on the property where I still reside. They have destroyed my credit in the process. My family has separated over the hardship and I am on the verge of becoming a homeless veteran because if they foreclose and evict I have nowhere to go with my animals. I have requested assistance from the Congressmans Office and they referred me to you. The VA keeps telling me they cant help they just write the check for the home.

This is not just consumer fraud this is Federal Fraud committed by the lender and all other parties. The documents used at closing included a receipt from the company that conducted and documented the termite damage but no corresponding report. The report used was by a company that did not conduct a termite inspection or bill for a a termite inspection.
Product: Credit card or prepaid card

I applied for a Discover card in good faith. They approved a new card for me on XX/XX/2020 which was reported to the credit bureaus. On XX/XX/2020 I was informed that my account was to undergo a verification process which I happily complied with. On XX/XX/2020 Discover made a " business decision '' to close my account. This will negatively impact my credit report through no fault of my own. I contacted the company and they refused to give me any additional information. Basically they are accusing me of submitting a fraudulent credit application which is not true. What remedy do I have to correct this situation?
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$2600.00} ; XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX I opened my Equifax account in order to freeze my credit and add levels of identity protection. I am very alarmed that Equifax does not offer two factor authentifaction for my account. How is this acceptable??
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling my credit report on XX/XX/2020 i noticed this account added that is not mine. I have never had a bank account with XXXX. The statement says it was deposit related and after research it was seen to be a bank account
Product: Credit reporting

Mortgage loan for Flagstar Bank still reflecting on my credit report and was closed /transferred in XX/XX/2004. Past time for loan to remain on my credit report.
Product: Debt collection

XXXX XXXX which was an original creditor stated that there was a balance on account which was close. The account was sent to Diversify collection agency which I disputed with XXXX  credit as being inaccurate and account was subsequently removed on XX/XX/XXXX report # XXXX. XXXX of XXXX the account was reported again on the credit by the same company for the same account which was already removed. I have contacted XXXX  who stated that they are unable to assist. Creditors should not be allowed to place the same item which was removed from the credit as a result of inaccuracies on the credit profile again
Product: Debt collection

I XXXX XXXX and my brother XXXX XXXX were contacted by HUNTER WARFIELD COLLECTION AGENCY ( XXXX ) XXXX, stating that we owe the amount of {$8000.00} which owed to their client, XXXX AT XXXX XXXX address : XXXX XXXX XXXX XXXX , XXXX, FL XXXX. 
I XXXX XXXX and my brother XXXX XXXX no longer live at XXXX at XXXX apartments from the address above since XXXX XXXX, 2015, due to the purchase of my new house and the balance that we owed was zero dollars at that time. 
As the agreement we came on with Property manager XXXX XXXX XXXX on XXXX XXXX, 2015, in finding the new tenants XXXX XXXX XXXX and her roommate to take over the remaining of the lease and all rent responsibilities. XXXX XXXX agreed to tenant replacement and notice letter was given to her on XXXX XXXX, 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX ) via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this account listed on my credit report is : CREDITOR : NELNET LNS, ACCOUNT XXXX, OPENED XX/XX/2006, BALANCE OF {$35000.00}
Product: Credit card or prepaid card

Barclay has far to many hoops to resolve this credit card purchase trial and accept disputation as the way to resolve the issue. I tried the sftware last year, did not like it did not renew. Now it is on my card and Barclays will not accept my claim that I do not want the software.I never do automatic renewals. The type of fraud is quite frequent and certainly is known to Barclays.