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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681C-2 ) that you, the ( EQUIFAX ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX Equifax credit report, which are the result of identity theft and fraud. These fraudulent accounts consist of a revolving account opened at XXXX on XX/XX/XXXX under the fraudulent account number XXXX, a revolving account opened at XXXX XXXX Bank under the fraudulent account number XXXX, a revolving account opened at XXXX Bank on XX/XX/XXXX under the fraudulent account number XXXX, a revolving account opened at XXXX on XX/XX/XXXX under the fraudulent account number XXXX, an installment account opened at XXXX XXXX on XX/XX/XXXX under the fraudulent account number XXXX, a XXXX Consumer account opened at XXXX XXXX on XX/XX/XXXX under the fraudulent account number XXXX, and a collection account opened at XXXX XXXX on XX/XX/XXXX under the fraudulent account number XXXX. These accounts have resulted in several fraudulent hard inquiries, and I am requesting that all aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights under the FCRA and FDCPA laws. 


These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or charge-offs as reported. The aforementioned accounts, collections, and charge-offs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and frau. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA AND FDCPA laws.
Product: Credit reporting or other personal consumer reports

The company Lexis Nexis has obtained a public record in my name from the courts and is furnishing and selling the information as a derogatory record. The company did not obtain my prior written consent to take such action. The actions of the company is defaming my character, name, and likeness. And preventing me from obtaining rights granted to me. I am competent and aware that using another person identifying information without consent is identity theft which is a crime punishable by law and imprisonment. I am seeking for Lexis Nexis to redress my consumer report by doing what ought to be done and deleting the information from their records. I am a free living soul and no person has the right to traffic my human name for gain.
Product: Checking or savings account

I have been using XXXX XXXX saving account from XXXX by Goldman Sachs for more than XXXX year. 
XXXX is online online bank with no real world branches. 
I always had XXXX as registered phone no. for the account. I have been accumulating money for down payment towards a house. 

XXXX XXXX I verified with XXXX customer representee if they support wire transfer for escrow accounts and they responded with affirmative. I made a request to perform $ XXXX escrow wire transfer that was major portion of my saving account. I was able to get One-time passcode ( OTP ) on my phone and the request was processed by service rep. 

XXXX XXXX The next day my account was locked. I spent XXXX hours on phone with XXXX customer service where they passed me from XXXX XXXX to another. They didn't clarify why my account was locked. 

They were also not able to confirm if the escrow was processed. Escrow transactions are time bound and i needed the money for down payment to close on a house. 

After multiple waits and XXXX hours of call, i was informed the phone number which was linked to the account is suddenly flagged by their XXXX unit ' and they can no longer use it to authenticate me. I provided them all other ways by which they can authenticate my identity but they didn't want to listen or help. The phone number is on my name. I also suggested that i can send them proof in form of phone statements that its on my name. 

Eventually, they mentioned they could use a different phone if - Its holder has same last name as mine - Shares the same address. 

Me and my XXXX stay at our address and although we are married, we don't share the same last name. I tried to highlight that in todays day and age and in various religions, people don't necessarily change last name. But, they kept passing me from XXXX XXXX to another without addressing the authentication problem. 

Then they mentioned they will send me a set of security questions that would be used for authentication. Its been more than a week and even after reaching out to them every day, they fail to provide me with these security questions. 

Bottom line : - i was denied access to my life 's worth of saving because of a problem at XXXX side. Their 'Fraud dept ' was a false alarm and they don't have any way to remedy the impact it creates. Their lack of empathy to work with customer to address the problem was appalling and disappointing. 

In this process, i will lose my bid to the home is wanted to purchase and i now i am so dejected on my decision to use XXXX in the first place to accumulate my life earnings. 
The least i would like to see is XXXX is not able to do what they did with me to any other fellow American
Product: Debt collection

am writing to you to provide me with a debt validation for the account listed above according to citing 15 USC 1692G. I am requesting that you send me a detailed list of the history of payments that I have on this account. I want to see the signature I signed on your contract guarantee that I Would pay the debt collector for this debt. I am also requesting to see if any insurance claims are filed on this debt and proof the chain of title to collect on this debt.
Product: Mortgage

Nationstar Mortgate falsifies an escrow short of the amount {$21000.00} to demand an increase of {$1800.00} in monthly payment
Product: Debt collection

This debt was resolved thru insurance company due to a car accident. yet this company is still reaching out to me for balance and has not provided me with 1099. they should not be trying to collect this debt!!!!
Product: Debt collection

My wife & I are currently homeless. We are trying to find an apartment, a home, a mobile home.. anything.. but they all run a credit check.. As of XX/XX/XXXX a judgement has shown up from an eviction that happened 5-6 years ago. My wife went in my place to court regarding the eviction. She spoke with the judge & the attorney representing the apartment complex.. my wife explained our situation.. I was having a mental breakdown.. their attorney informed my wife if we were moved out within 10 days they would not file a judgement for the reminder of the lease. We were out before the 10 days was up.. 
Now there is a judgement on my credit file.. I have Never Ever been served. 

On XX/XX/XXXX at approximately XXXX EST I called the original creditor who said, call this number, I called that number & spoke with a woman who said I needed to call so & so at this number.. 5 calls later, 8 total, I was told to call their debt collection agency.. 
I called IQ Data International to set up a payment plan, but when I asked the female debt collector about the balance due, she said that she couldnt provide the balance information unless I gave her my bank account information and set up automatic withdrawals. After several minutes of going round & round, I explained that I know the laws regarding debt collection, seeing as I was a debt collector for 15 years. 
I finally got the balance of {$2600.00} but the original judgment on my credit report says {$2200.00}. The debt collector couldn't explain the discrepancies in the amount. 
When I suggested alternative methods of payment, the debt collector was rude and said that company only accepts payments on " its '' terms. 

When I asked to speak to a supervisor, the debt collector told me that she was the supervisor and then threatened to mark my account as refused to pay, and threatened to take legal action against me! I explained I love in SSI & you can't garnish that. She claimed she can garnish anything, watch her!! 

When I said that I was willing to make a payment, but wasnt comfortable sharing my bank account information & would feel more comfortable mailing in a money order the debt collector hung up on me!!! 

IQ Data Internationalviolated the Fair Debt Collection Practices Act ( FDCPA ) by engaging in harassing behavior ; by using false, deceptive, and/or misleading representations or means in connection with debt collection ; by misrepresenting the character, amount, and legal status of a debt ; by threatening to take legal action without actually intending to do so ; and by employing false and deceptive means to collect a debt. IQ Data International violated my rights under the Fair Debt Collection  Practices Act. 

I am in the process of figuring out how to file subsequent claims with the Michigan Attorney General, the FTC, the CFPB, the XXXX XXXX XXXX & any other agencies that I can file a complaint with.
Product: Debt collection

I never received notice of this debt and I never received notice of my right to dispute this debt
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they 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. 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

I have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3200.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting

XXXX XXXX, XXXX XXXXTransUnionXXXX XXXX XXXX, XXXX XXXXCase Number XXXX XXXX XXXX, 2015 I received a letter from XXXX XXXX XXXX XXXX XXXX regarding the recent cybersecurity incident and that my personal information may have been exposed. In the process of attempting to sign up for the credit monitoring service with XXXX XXXX XXXX XXXX, I was unable to register for the service because your company shows me as " deceased ''. 

The XXXX staff instructed me to contact your company which I, also, did on XXXX XXXX, 2015. During that conversation with a person named XXXX, I was instructed that I needed to confirm my " non-deceaseness '' by providing a copy of my Social Security card and Form XXXX. You will find the requested information enclosed. Please correct your records to show that I am still among the living! XXXX informed me that I needed to contact the " Social Administration Department '' for a XXXX. I queried him a couple of times as to what and where I was to find contact information for said Department. So with those incomplete instructions, I decided to try the Social Security Administration, which is the Agency I needed to contact for XXXX. I suggest you have your employees read the entire screen during their contacts to ensure that all of the necessary information gets passed along. 

I inquired of your employee when, who and how I came to be shown as " deceased '' in your company 's records. He could not provide any clarification to my questions. I want an answer in writing with the details of the how, who, and when of the reports you received changing my living status to " deceased ''. It is incredulous to me that with the click of a few buttons in your data base showing me as " deceased '' should become an issue that I have to fix!!! 

Your immediate attention to this issue is vital. And provide a written notification to me that you have corrected your error. I can not enroll with XXXX credit monitoring until my status of " deceased '' is changed to " living '' in your data! 

With quickest regards, XXXX XXXX XXXX XXXX ) CC : Consumer Finance Protection Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempting to have santander account remove due to recent law suit. No luck with XXXX and sayander keeps saying call attorney General. Sent info to XXXX with letter from attorney General and still reporting negative info. Info is supposed to be romped from report due to preditorial practices made by santander
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 Transworld System INC was sent certified mail yet keeps illegally reporting to my consumer reports for {$660.00} without my consent or an option to opt out of reporting after they were notified they were in violations of my rights. 

15 U.S. Code 6802 - Obligations with respect to disclosures of information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt,
Product: Debt collection

My name is XXXX XXXX XXXX, I am currently attempting to ensure that my credit report has accurate information. I have contacted Recovery Management Services and asked for documentation of this debt. I was told by Representative, XXXX XXXX that if I wanted documentation I would have to dispute it with the credit bureau and that they would respond to them. He stated that it should not be on my credit report, but refused to give me documentation. I attempted to explain to XXXX XXXX that as a consumer I have a right to ask for documentation. He became irritated stating that I was listening and hung up on me. When dealing with the Credit bureau it is always best to have documentation to ensure that the correct information is shared.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX ), Account # XXXX ( XXXX ), and Account # XXXX ( XXXX ) has violated my rights.

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

15 U.S.C. 1681 section 604 section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

Unauthorized transactions to the XXXX, I don't use PayPal and never have.
Product: Debt collection

I, XXXX XXXX XXXX XXXX Entered into a consumer credit transaction with Westlake Financial on XX/XX/2020 using my credit card as defined under 15 USC 1602. 
A consumer credit transaction in which a finance charge was involved. 15 USC 1605. ( a ) defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash in which Westlake Financial in fact took cash in this consumer credit transaction. The finance charge is suppose to include Insurance. Westlake Financial did not include insurance and failed to clearly and conspicuously disclose to consumer of the right to have insurance provided in connection with this consumer credit transaction. Westlake Financial made me purchase insurance separately. Westlake Financial include fees imposed by third parties which is a violation of 15 USC 1605. ( a ). Westlake Financial did not disclose or provide appropriate forms for the consumer to exercise his right to rescind this transaction. 
Westlake Financial in fact willfully and knowingly withheld information required to be disclosed under the provisions of said subchapter which makes Westlake Financial criminally and civilly liable.
Product: Debt collection

The amount is wrong, and is for more than 1 account. I have recorded communication they refuse to give me copies or speak to me about the debt on more than one occasion. They refused to let me set up automatic billing. Then when I found out I could have ut covered by another insurance if they email me the original bills they refused to send me and the insurance the original bills copies. Also the original debt wasn't billed properly it was billed to XXXX XXXX XXXX not XXXX XXXX XXXX. Per original debtor in the XXXX XXXX XXXX case because im friends with the dr I was billed for seeing. I never did see a dr . I was only in triage and seen a PA and nothing was ordered, I was given a shot and meds. No extras or tests. So bill is also to high for that visit. So, I want to see it. But, the refuse to cooperate. And for over a year wouldn't talk to me and are charging me late fees.