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

In XXXX  I did a deed a lieu. My first and second had to go together and be treated as one! 
This was all due to the banks falling apart in XXXX Washington Mutual was the original, Chase took it over. I did a loan government modification in XXXX and Chase took over XXXX & XXXX. A few years later I had to stop paying the first but I paid the second. XXXX loan management took the first and Chase kept the second! In XXXX XXXX had me sign a lien release for Chase and XXXX took the house and forgave my dept., Chase was not included in this and I was under the assumption it was because the loan 's went together. In XXXX I modified it they locked it and I could not borrow against it only pay it off. I thought this was all settled in XXXX when I turned the house back and then during covid and in a state of emergency they contacted me in XXXX and told me I owed them the balance due to the fact it was charged off and not discharged. Please note they were not allowed to contact me during covid and they did. They wanted a settlement, I told them we are on lock down and I this was not right. They now have put this on my credit report and I hired a lawyer to help me with no luck. My bank told me to file this complaint because now I am not able to get a new mortgage for a home in XXXX. I have all the paperwork but the original sign off in which I asked for several times and they will not send it to me, XXXX. My house was in XXXX I have more documents as well but it would not let me upload it all. I was told that this is all illegal practices, note that they crossed out the discharge and wrote release.
Product: Debt collection

My wife received a phone call from the number I have linked to XXXX XXXX XXXX. They asked if they had reached me. My wife said no. 

He continued by stating that " this phone call is being recorded and was an attempt to collect a debt for Best Buy. '' I know this is regarding my credit card debt with the store 's credit card, but it 's my business and legally not anyone else 's. 

According to the Consumer Financial Protection Bureau and the Federal Trade Commission, this is a clear violation of my rights and I want their case dropped because they should not share any of my personal information with other people.
Product: Credit reporting or other personal consumer reports

**Consumer Name : ** XXXX, XXXX XXXXConsumer Social Security Number : ** XXXX **Consumer Date of Birth : ** XX/XX/XXXX **Contents of Complaint : ** To Equifax, This is an uncompromising CFPB complaint demanding urgent and immediate action. Under the strict and non-negotiable provisions of FCRA 605B ( 15 U.S.C. 1681c-2 ), Equifax is ordered to block and remove the fraudulent information on my credit report within an inflexible deadline of four business days upon receipt of this complaint. 

The fraudulent accounts, which must be eradicated without hesitation, are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These fraudulent accounts have resulted in unauthorized hard inquiries and false collections tarnishing my XXXX credit report. I emphatically reject any insinuations that I authorized these accounts, emphasizing that they are irrefutable evidence of identity theft and fraud. 

Enclosed is the FTC Identity Theft Criminal Complaint ( # XXXX ), undisputed documentation from the U.S. Federal Trade Commission proving the fraudulent nature of these accounts, collections, and inquiries. 

Failure to act with immediate and decisive force to block and obliterate this fictitious information from my credit report will not be tolerated. Should Equifax fail to respond within the stated time frame, be prepared for relentless and aggressive legal action to enforce my rights under the FCRA. 

This is a final directive, not a request.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to formally dispute several items on my credit report, as I am a XXXX XXXX XXXX XXXX The accounts and inquiries listed below were opened or occurred without my knowledge, consent, or authorization while I was XXXX XXXX XXXX XXXX XXXX. I respectfully request that these items be removed from my credit report under the protections provided by the National Defense Authorization Act for Fiscal Year XXXX and the Fair Credit Reporting Act ( FCRA ). 
I am requesting that you block & permanently remove all information that is the result of this fraudulent activity and ensure that these items no longer negatively impact my credit report. I have enclosed the necessary supporting documentation, including proof of my victim status. 

Account Name Account Number Amount XXXX XXXX XXXX {$47000.00} XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX {$240.00} XXXX XXXXXXXX {$11000.00} XXXX XXXXXXXX {$110.00} XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXX {$87.00} IXXXX XXXX XXXXXXXX {$350.00} XXXX XXXXXXXX {$610.00} XXXX XXXXXXXX {$1000.00} Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Submitted previous complaint. Transunion did not fix the issue. 

XXXX accounts, that were included in Bankruptcy are reporting as opened on credit report. 
These accounts were discharged in Bankruptcy, as such, they should be reported closed. 


XXXX XXXX & XXXX XXXX are showing as " OPEN '', which is not correct Transunion violates 15 U.S. Code 1681c, Texas Finance Code Sec 391.001-.002 , Texas Business and Commerce Code , Chapter 20 , Sec. 20.05, The Federal Debt Collection Practices Act, and The Texas Debt Collection Act. Violations of these statutes carry both civil and criminal penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX Balance : {$1000.00}, XXXX  XXXX Balance : {$660.00}, XXXX XXXX XXXX Balance : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of an incorrect address on my credit report. The address in question is : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( And all similar variations ) I certify that I have never lived at this address nor have I ever authorized any of my financial or personal information to be associated with it. 

This mistaken listing constitutes a significant error on my credit report that could potentially mislead creditors and impact my financial opportunities negatively. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate, complete, and up-to-date information on my credit report. 

Please note the following potential FCRA violations that may be occurring due to this error : Section 1681e ( b ) of the FCRA requires that all credit reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The inclusion of this incorrect address might reflect a failure to comply with these procedures. 

I am requesting that this address be removed from my records promptly. Please conduct a thorough investigation into how it was included in my credit report and rectify the error without any delay. 

Attached, please find copies of my identification and a recent utility bill confirming my actual address to aid in your investigation. I kindly ask that you notify me of the conclusion of your investigation and inform me about the steps you have taken to correct the error. 

Thank you for your attention to this matter. I expect your prompt response within the statutory timeframe as provided by the FCRA.
Product: Checking or savings account

Signed up for checking account, and kept {$500.00} minimum daily balance as noted in the terms to avoid the $ XXXX monthly service fee. Wells Fargo inappropriately charged the fee anyway for several months bringing my account balance below {$500.00}, where they continued to charge fees in the total amount of {$330.00}. It is my belief that WF deliberately charged the fees against their own terms initially in order to bring my account balance below the stated minimum, whereupon WF continued to charge the service fee. Had WF not erroneously charged the fee to begin with, my balance would not have dropped below the {$500.00} minimum daily balance.
Product: Debt collection

I do not have a contract with RESURGENT/LVNV FUNDING, Account ending # XXXX and do not owe this debt collector the stated {$1800.00} as reflected on my credit file. The original creditor, XXXX XXXX XXXX has charged off this Account ending in # XXXX as of the following date : XXXX XXXX. This debt has been charged off by the original creditor, which means that the debt has been paid and is considered income. Since a Charge-Off is considered income, it has to be removed as well. Income can not be reported on credit files according to IRS regulations as they are considered a certificate of indebtedness and it is possible that a 1099-C will be issued.
Product: Debt collection

I have recently inquired regarding validating this debt via certified mail on XX/XX/year>. My letter was returned with the post office stating the address listed on my credit report for this creditor is no longer valid for the company. I proceeded to contact this company by phone on XX/XX/year> and the call was disconnected numerous times. Since this company has no way to be contacted or has not provided me proof of validation Im requesting account be removed from my credit report.
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 XXXXXXXX XXXX, Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : 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 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 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: Debt collection

This claim for for my XXXX XXXX. My XXXX XXXX XXXX XXXX XXXX XXXXr have all come and reported to me on multiple occasions about these spam calls they keep getting from me. What we are confused about the most is that due to my XXXX profession no one should have his contact information anyway. Also each voicemail left by the spam caller says theyve been trying for months to reach me but I have not gotten any calls, texts, or emails from any of the companies that are supposedly calling my XXXX. My XXXX has just been blocking every number that calls them but they continue to make new ones and bug them. Ive never even heard of the companies that have been used during the calls.
Product: Credit reporting or other personal consumer reports

experian has a breach which has put all my private information out.
Product: Debt collection

My husband and i bought a XXXX XXXX  in XXXX, after his death and life insurance i was able to continue with payments. I remarried in XXXX, but he died XXXX, now leaving me with house payment, car payment and RV payment on a low limited income. I wasn't able to continue with all the bills and payments. Talked to the bank and they agreed to pick up the RV. Told the bank I could not make the requested amount monthly payments. They in turn sent me to collections, stating i owe {$20000.00}. I do not know what I should do. Must I file for bankruptcy? My home was XXXX  last XXXX. I am a widow.
Product: Credit reporting or other personal consumer reports

This line of credit account has multiple inaccuracies and missing information that do not align with all three bureaus. Attached is an image where I have highlighted every inaccuracy on my credit report. These inaccuracies include account type, Date opened, payment status, last reported, date last active, and payment history. Not one of the late payment history payments are reported the same for any bureaus. It is clear that the proper procedures to ensure maximum accuracy were not followed and as a result my credit has been in shambles for years. These inaccuracies on my credit report are violation of 15 U.S. Code 1681e - Compliance procedures and this account should be deleted from my credit report immediately or updated to 0 late payments for all bureaus.
Product: Payday loan, title loan, personal loan, or advance loan

This is about my second or third time applying for a personal loan with Navy Federal. They always wrongfully denied me the last time they denied me. My credit was over XXXX for the first time in my life. This bank is known or supposed to be our allegedly known as the bank that work with people were all types of credit, but Ive been with this bank for over XXXX years and theyve never approved anything besides a secured credit card for {$200.00}. They never offer me anything. They always deny me every time I apply for something. In the past, Ive chatted with someone and called in reference to why they keep denying me. I thought they were so much of a great bank that they worked with us, but for some reason, they always deny me and I wan na get down to the bottom of it?
Product: Debt collection

Convergent Outsourcing is guilty of collecting junk debts and is attempting to collect a debt that is no longer owed and satisfied over ten years ago. There are FALSE statements written in the letter, stating they are authorized to collect on this account. Under the FCRA the debt is no longer owed. In addition, my name is incorrect as well I and distant relatives have been receiving harassing phone calls from Convergent Outsourcing.
Product: Money transfer, virtual currency, or money service

I was a victim of a scam that happened on XX/XX/2021. I got two checks from a person, however he/she said they accidently issued the wrong amount and ask that I transfer the extra money through XXXX. After I did that, it turned out that those two were bad checks and all of my money were gone ( about {$3800.00} ). My account went into negative balance, the bank charged me too for having negative balance and returned checked fees. I went to my local bank to file a XXXX claim and a check claim. After some investigation, they told me the person that scammed me was a member of an XXXX XXXX ( bank of america ) in georgia, but they can not give me any further information due to privacy reasons. At the same time, I also filed a police report but they can not find the person as well. I tried to contact both sides multiple times to see if the bank can share those information directly to the police. However, the bank said they closed my case and I am still not able to get any money back. XXXX department also is not able to give me some money back. My case reported to the police was also placed as suspension due to lack of further information. I called the bank and the police nearly every month since this happened but no one can help me. I tried researching online to see if there are any way for me to get my money. I found a news saying some people that were scammed were able to get their money back. I am wondering if you can help me solve this issue. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters and called the company numerous times while attempting to obtain all information needed to remove this inquiry. This inquiry is effecting my chances highly of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The bureaus reporting are XXXX, Equifax, and XXXX. Thank you!
Product: Credit reporting or other personal consumer reports

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023
Product: Debt collection

On XX/XX/XXXX I conducted a credit check on myself and was made aware that I had a Capital One card account in my name so I had no idea about it was active since XX/XX/XXXX I immediately filed an identity theft report with the FTC and sent this report to all corresponding agencies who report credit it was not removed from my XXXX or XXXX XXXX reports my XXXX report removed it right away. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY XXXX RIGHT TO PRIVACY PURSUANT TO USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written XXXX XXXX XXXX XXXX letters to Kay Jewelers regarding their reporting of a fraudulent Kay Jewelers account to the mailing address listed on my credit reports to advise them regarding the fraudulently reporting account. Although the account is reporting a {$0.00} balance, the account does not belong to me and should not be reported on my credit reports because the account is a fraudulent account not belonging to me and credit reports are only supposed to contain accurate information. Despite mailing them the letters, the account continues reporting on my XXXX XXXX XXXX XXXX XXXXXXXX credit reports. The only communication that I have received from Kay Jewelers was a generic letter advising me that the account belongs to me because statements were mailed. I have never received any statements in the mail from Kay Jewelers.
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. 

Account Name : XXXX Account Number : # XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ================================== UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX AND XXXX  XXXX  have continuously placed back on my report
Product: Debt collection

I C SYSTEM XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX Have had an old satisfied debt from XXXX XXXX XXXX in the amount of {$300.00}, which was an old debt that was satisfied when I CANCELLED my pet insurance with XXXX back in XX/XX/XXXX. At the time of the debt I only owed for 2 months pet insurance of {$78.00} which I had paid when I closed the account! I have received zero communications from XXXX XXXX XXXX since, and then suddenly in XX/XX/XXXX, I began receiving notifications from IC SYstems about this debt to XXXX and of {$300.00}, which is more than DOUBLE what I originally owed. I have contacted this company twice in XX/XX/XXXX that I do not owe this debt, yet it keeps showing up under my credit. Previous to IC SYStems, it was under First Credit. I disputed this same account then, and it was dropped. I do not know what else to do, but this debt is old, was sufficiently paid off in XX/XX/XXXX - and beyond 7 years from when I originally owed XXXX XXXX XXXX. These companies seem to buy old debt that have since been written off. 

XXXX XXXX
Product: Debt collection

Today Date XX/XX/XXXX Delete accounts listed below for violation of 15 USC 168|l e ( b ) of the fair credit reporting act. 
Account Name OppLoans Account Number XXXX * The open date XX/XX/XXXX and last active date XX/XX/XXXX are inaccurate and fail to meet the standard of maximum possible accuracy mandated by 15 USC 1681e ( b ). 

* Action Requested : Delete this account immediately due to non-compliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 I requested validation of debt for several companies all of which could not provide and therefore the accounts were to be removed from my credit report. All three bureaus didn't remove so I submitted a letter in XXXX of 2022 which has been ignored and none of the issues were removed. 

In addition all 3 bureaus are allowing multiple companies to restart the date by reporting charge off every single month for years. I've submitted letters outlining this and they have been ignored.