23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong name on bank account, never have opened account at XXXX XXXX XXXX  and never had XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX  XXXX {$180.00} XXXX XXXX {$9500.00} CHAPTER XXXX BANKRUPTCY DISCHARGED
Product: Checking or savings account

My account was recently hacked and the bank was able to resolve the fraudulent charges at around {$200.00}. The bank then secured my account and sent out a new card. That new card was never received this card. There was then an in person withdrawal at a local branch to the amount of {$800.00}. Following, and {$1100.00} withdrawals in increments from $ XXXX {$300.00} at multiple local ATMs. Additionally XXXX charges through XXXX each amounting to the cost of creating a new account, XXXX charges for creating a phone plan through XXXX, and an {$270.00} dollar charge from XXXX XXXX. In total the total loss was {$2600.00} in in person, ATM, and online charges. Additional concern with the attempts to access credit information. After XXXX months of waiting with no response or explanation First National Bank of Omaha just notified me that none of these fraudulent charges will be covered/refunded.
Product: Debt collection

I have been called several times by the phone number XXXX and XXXX ( saying they are Omega RMS ) asking for payment to different credit unions which I have not heard of. These calls happened on XX/XX/year> and XX/XX/year>. They are saying that I owe about {$10000.00}. I have contacted these credit unions to ask if my name is in their systems at all and they all said no and warned me of fraud. Omega RMS has also mailed me several letters over the past few months asking for a payment by mail.
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 XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$790.00} ; XXXX XXXX XXXX  Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX : {$1000.00} ; XXXX XXXXXXXX Balance Owed : {$420.00} ; XXXX XXXX XXXXXX/XX/XXXX ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax has caused me great distress due to the way my credit score has been handled. In XX/XX/year>, they reduced my score by XXXX points due to erroneous and inaccurate reporting by a card company. This dramatic reduction has unjustly impacted my credit rating, downgrading it to poor credit and ruining my chances of qualifying for a home loan. 

These actions reflect biased and unjust practices that undermine consumers like me. The reduction in points highlights the inadequacy of Equifax 's rating system, which appears skewed and fails to fairly represent my responsible payment history and consistent financial behavior. The inaccuracies in their reporting have created significant and unwarranted obstacles in achieving my financial goals, including homeownership. 

I urge Equifax to correct these errors immediately and ensure that my credit report accurately reflects my payment history and financial responsibility. This unjustified downgrade must be rectified to prevent further harm to my financial standing and future opportunities.
Product: Checking or savings account

I was trying to get a car but I never received it and the insurance company had charged me 3 months for some I dont have.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 
Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Mortgage

I filed an application for a mortgage refinance with Pentagon Federal credit Union, XXXX Virginia, ( dba : penfed.org ) in XXXX of XXXX. Have is applying all the required documents and completing the appraisal process I was told in XXXX that my refinance application would go underwriting and I would hear back from him shortly as to the closing date. Since XXXX, I have repeatedly e-mailed the messages requesting status of my loan and as of XX/XX/XXXX I have yet to have anyone respond to me including the mortgage processors. 
I have been sending the following e-mail message : " Can someone please tell me -- WHAT IS THE STATUS OF MY LOANLoan # XXXX? '' Additionally, I have tried to contact them by phone on numerous occasions into a convoluted prompting system I am continued referred back to a third-party member services is of no help or assistance in this matter whatsoever which only aggravates the frustration. 

Therefore, I am seeking your assistance in having this member organization simply provide me with a response regarding the status of my loan application. Otherwise, I will have to start a new refinance mortgage with a more reputable and response financial institution, thus losing all the money that I currently invested in this application. 

XXXX XXXX, Memberof Pentagon Federal Credit Union
Product: Credit reporting

This is my second complaint about the same investigation that equfiax has claimed it verified with a debt collection company that i had filed a complaint on with CFPB Complaint number XXXX which Equifax claims is correct and was verified. However, XXXX was unable to verify the information that Equifax claimed that trident verified. They did n't even show proof of verification other than a statement they verified it with my name and social which was a lie since trident was unable to locate any of that info. I will attach my Equifax credit report, my original complaint XXXX which Equifax lied about that they verified, and my complaint against trident in which they admit that this was incorrect and have requested deletion off my reports with cfpb complaint number XXXX. I demand they remove this item off my credit report and review their so called " Verification Procedures '' which obviously are not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

It's personal information that doesn't belong to me on my report. And its also non mailable addresses on my report that's not mine.
Product: Debt collection

I rented a car from XXXX. When I arrived they did not have the intermediate size car I had reserved and prepaid at a rate of {$73.00} and could only provide a larger car which would be more expensive. They quoted me an additional {$56.00} for the rental. I was not very happy about that but had few options so I accepted. When I returned the car at the time agreed, they instead charged me an additional {$150.00} with no explanation or justification for the increase. I repeatedly phoned the XXXX office who said they would adjust the charges, but they did not. Finally I disputed the additional charges with my credit card company. During this process XXXX had an opportunity to contest the dispute and they did not ( as seen in the letters from XXXX. ) Therefore XXXX refunded me the {$100.00} that was over and above the amount I agreed to pay. I thought this was the end of it until I received a debt collection letter from Viking. Now, this is affecting my credit and I do n't know what to do. I *do not owe this money* - but there seems to be nowhere I can go to establish this fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Credit reporting or other personal consumer reports

I am unable to access my Equifax credit report, which is crucial to monitor due to my status as a victim of identity theft. On XX/XX/year>, I submitted an FTC Identity Theft Affidavit along with the required supporting documents to Equifax under Complaint Number XXXX. I've attached the same documents in this complaint for verification as well. This submission was to address fraudulent accounts and ensure my credit report accurately reflects the situation. 

Despite providing all necessary documentation, I am unable to verify whether Equifax has appropriately handled my report or taken the necessary steps to update my file. Additionally, I am currently unable to access my credit report, which severely impacts my ability to monitor my credit profile and resolve identity theft-related issues. 

What I Have Done So Far : Submitted an FTC Identity Theft Affidavit and supporting documents to Equifax on XX/XX/year>, under Complaint Number XXXX. 
Attempted to access my consumer report but have been unable to do so. 
Received no communication or confirmation from Equifax regarding the handling of my identity theft claim.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$710.00} XX/XX/XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX XXXX {$410.00} XX/XX/XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$9000.00} XX/XX/XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX  15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I applied for an XXXX XXXX offer of XXXX points if I spend {$3000.00} within the first XXXX  months. The card was issued by XXXX XXXX. The credit limit is the lowest Ive ever received ( {$1500.00} compared to XXXX to XXXX limits on other cards ) and they wont increase the limit as their claim is that its a new account. Fine, I will work around this. 

I then decided that I would charge small amounts and pay it off and keep going so that I can reach the required spend. However, I made a payment by telephone using my checking account ( the one on file ) on XX/XX/XXXX. The funds came out of my bank account and while CiTi received the funds, they are claiming they can only release my credit line until XX/XX/XXXX ( I have to complete my spend by XX/XX/XXXX ). This is a deliberate act on my account so I would not qualify for the points- thereby making it a false advertisement. They are saying in order to expedite payment- I need to make it from a debit card. Is this on the agreement? Do they disclose all of the necessary information to applicants? Does it matter if its debit or direct pay from the banking institution? In this era of technology advancements, I simply can not fathom this! The funds are cleared so why is there a delay of XXXX days to release the credit line. No other banks Ive dealt with in the XXXX  years of carrying their cards does this. How is Citi allowed to get away with such blatant abuse and lies to consumers? This is a deliberate act of fraud and they should be fined or someone should delve into their unfair customer practices. 

Ive been trying to resolve this matter for a week already! 

Thank you for looking into this.
Product: Debt collection

Affirm has reported several payments to XXXX and This account is continuing to report errors without verifying it. I have a common name and have been a victim of identity theft stole Id and social security card I have reason to believe that you failed to conduct an investigation. Therefore this account could not have been verified. Provide proof of any/all evidence that you actually conducted a reasonable investigation to ensure maximum accuracy of your reporting on my credit report or IMMEDIATELY DELETE THIS INFORMATION FROM MY CREDIT REPORT because this information is UNVERIFIABLE
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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- ( 1 ) 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 ( i promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

we have a mortgage with '' green tree mortgage co '' we pay by bank draft and never misseda payment on our property located a XXXX XXXX XXXX, XXXX Ks XXXX we have never requested any legal service from them. They added over {$3000.00} on to our mortgagefor legal fees. They called it a " Corporate Advance balance '' the sum of {$3000.00}. Our rental property was seized on the XXXX of XXXX 2014 by the XXXX XXXX 's Department. We hired our own Attorney and fought the DA and XXXX and we went to court and the presiding Judge was Chief XXXX XXXX XXXX XXXX XXXX. We won the case and was completely exonerated of the charges. The claimantwas " the XXXX of Kansas '' and the defendant was our rental property. Green treemortgage is located in XXXX XXXX SD, XXXX XXXX XXXX, XXXX. Our Account # XXXX. Phone # XXXX .We believe this financial action against us is completely unjustified as wenever requested any legal services from this mortgage co and we were never notified or advised why we are being charged for these attorney fee 's. I am XXXX years old and aXXXX XXXX veteran XXXX and served in the military22 years. My wife is XXXX years old and we never had any problems with law enforcement. The property was seized for alleged criminal activity. We would appreciated it very muchif you could help us with this problem, as we have already spent most of our savingsfor attorney fee 's not to mention the stress that they have caused us. What is toprevent the mortgage Co from charging as any more fee 's. 
XXXX & XXXX XXXX XXXX XXXX, Ks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SENT ATTACHED LETTER ON XXXX, DOCUMENTED AS RECEIVED ON XX/XX/XXXX ( ALSO ATTACHED ) YET AFTER OVER 30 DAYS, NO INVESTIGATION RESULTS FROM TRANSUNION. BY LAW, THE NEGATIVE ITEMS DISPUTED MUST NOW BE DELETED FOR FAILURE TO INVESTIGATE AND PROVIDE RESULTS.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to express my dissatisfaction with the response I received from XXXX regarding my dispute for Resurgent account number XXXX and XXXX  XXXX account number XXXX. Despite my previous attempts to resolve this matter, XXXX has not provided any substantial information or resolution to my concerns. 

As a consumer, I am entitled to accurate and fair credit reporting. The lack of proper resolution is causing undue stress and potentially harming my credit standing. Therefore, I am requesting your assistance in resolving this issue promptly. 
XXXX 's handling of my dispute has been inadequate and unresponsive to my needs as a consumer. I am seeking the CFPB 's intervention to ensure that my concerns are properly addressed and that a satisfactory resolution is reached. 

I request an investigation into the accounts associated with Resurgent Receivable account number XXXX and XXXX XXXX account number XXXX. As the XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to provide proof of claim with evidence regarding your legal or lawful jurisdiction over me. I am asking all three major credit bureaus. To request those companies ' /person/ financial institutions. To provide the documentation requested by the consumer. You are hereby given 21 days to respond in writing to this request. Should you fail to provide the requested documentation within this timeframe, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX will become liable for any damages I XXXX suffer as a result. 

Your prompt attention to this matter is appreciated, and I look forward to your swift response. 
Please acknowledge receipt of this notice and inform me of the steps being taken to resolve this matter. 

Resurgent XXXX XXXX is collecting a debt they do not own there is no contract with the consumer. # XXXX XXXX XXXX XXXX XXXX XXXX - Social Security number is fraudulent on this contract XXXX  XXXX # XXXX - Account is showing as a charge-off ; collecting a debt without proof of a contractual contract. 

Section XXXX of XXXX XXXX makes it unlawful to hold a person in " debt servitude '' or peonage, which is closely related to involuntary servitude. Section XXXX prohibits using force, the threat of force, or the threat of legal coercion to compel a person to work against his/her will. Please note that none of these accounts are in any legal proceeding. You can advocate and assist me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to have inaccurate information removed from my credit file. XXXX XXXX XXXX has repeatedly ignored my dispute of information being furnished to XXXX, XXXX, and Transunion. The three credit reporting agencies have all continued to report information that is inaccurate. The first dispute of inaccurate information was filled on XX/XX/2022. I received no response. I resubmitted in XXXX of XXXX, but still got no response. I don't know what else to do besides ask for CFPB to help resolve this matter.