23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Portfolio Recovery Solutions I have reviewed my credit report and noticed this account, which I did not authorize or open. I believe it was opened without my knowledge or consent, and therefore, I request that it be removed from my credit report. 

I have already reported this fraud to [ mention any relevant authorities such as the Federal Trade Commission ( FTC ), local law enforcement, or the issuer if applicable ] and have filed a report regarding the identity theft. Please find enclosed [ include copies of your police report, identity theft report, and any other supporting documentation that proves the fraud ]. 

As per the Fair Credit Reporting Act ( FCRA ), I am requesting that this fraudulent account be investigated and removed from my credit file. I would appreciate your prompt action in resolving this matter. Fair Credit Reporting Act ( FCRA ) Overview : The FCRA governs the collection, dissemination, and use of consumer credit information. It ensures that the information reported on your credit file is accurate and that you have the ability to dispute and correct errors. 

Truth in Lending Act ( TILA ) Overview : The Truth in Lending Act requires creditors to provide clear, standardized information about loans, including interest rates, fees, and the total cost of credit. It aims to protect consumers from unfair lending practices and ensures they understand the terms of credit transactions. 


Please confirm receipt of this letter and keep me informed of the steps taken to remove the fraudulent account from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX, XXXX XXXX, OH XXXX .Please remove delete all others they are not mine. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Equifax Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting

XXXX account XXXX was paid in full and not settlement. i have sent information indicating the account was paid in full. its being reported as settlement by XXXX and Equifax.
Product: Debt collection

I am getting repetitive phone calls after I answered call and told them not to call back. They are trying to contact someone else other than myself. I am getting calls when I answer I am telling them I am not the person they are looking for and not to call back. Sometimes they leave a message, sometimes they do not. The calls have been coming from different locations and different phone numbers in other states. I use my phone to perform my job in which I place and receive calls across the country. I have no way of filtering out which of these calls are important to perform my job and which ones are harassment calls from XXXX XXXX XXXX XXXX. Once again I am not the individual they are trying to reach and I do not have any outstanding debt to be collected. Most recently : call XX/XX/2021 @ XXXX call XX/XX/2021 @ XXXX
Product: Mortgage

I have been trying for years to modify an excessively high interest mortgage loan will Wells Fargo Bank, 7.4 %, however, the bank is a predatory lender and will not modify the loan on a permanent basis. I became ill and was unable to work for 2 years. I was forced to move in with my mother and rent my home for {$2400.00} a month which did not cover the mortgage of {$3900.00}. My mother paid the difference. I returned to work last month, XXXX 2017, and immediately started the modification process. My income dropped by over 50 % and I was told by Wells Fargo representative that I should qualify for the modification due to my circumstances. 
I was advised yesterday, XX/XX/XXXX, that Wells Fargo could not reduce my monthly payment. 
I contacted Wells Fargo executive office who provided details of the denial saying my income is not high enough for a " piggyback " approach. 
Again, Wells Fargo is trying to capitalize on their customer 's hardship. My home has equity and they offered a short sale which would benefit the bank. Please help, they are absolutely the worst lender. XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the customer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( ETFA ) and regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm kind of concerned because there are still items on my credit that are not mine. I went to refinance my car and they told me that I would need a co-signer. The finance man there went over my credit and there are still items on my credit that are not mine. I've contacted the FTC and the police. I'm doing this on my own behalf. XXXX and XXXX XXXX XXXX. Please remove from my credit.
Product: Credit reporting or other personal consumer reports

These accounts were not initiated by me, and I strongly believe they are fraudulent. I kindly ask that you conduct a thorough investigation and remove them from my credit report accordingly. I have provided documentation to supporThese accounts were not initiated by me, and I strongly believe they are fraudulent. I kindly ask that you conduct a thorough investigation and remove them from my credit report accordingly. I have provided documentation to support my claim.t my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax requesting to know the method of investigation regarding two bankruptcies on my credit report stating through XXXX XXXX. Equifax only sent me confirmation # XXXX dated XX/XX/2022 stating they have reinvestigated and that the information was verified. I requested to know the method of investigation. Im requesting to know this because per the attached XXXX XXXX report I have no bankruptcies listed. Method of investigation should include who, what, when, where, and how, not that it was verified. Basically Equifax has violated my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). I demand an immediate deletion of both records and {$1000.00} for the violation.
Product: Credit reporting or other personal consumer reports

The account was settled and the company XXXX XXXX XXXX paid in full and a refund then reversed it 2 months later causing me adverse harm to my bank account and credit worthiness. Now they are reporting the account as late and reporting inaccurate information. I also sent them a cease and desist and they still continuously harassing me causing me XXXX  and mental anguish. Being duly sworn, hereby swear under oath that : My rights have been violated and I requested immediate remedy through Due Process. Per 15 USC 6802 ( b ) ( c ) I am supposed to receive knowledge of my rights to optout of my personal information being disclosed/reported through a 3rd party unaffiliate and then a second notice to instruct me on that process. Per 15 USC 1666 ( b ) you can not list a payment late on an open account or closed if there is a billing error or unless you can prove with incontrovertible evidence that it was mailed and delivered before 21 days of the due date. No proof has been given or shown and the 3rd party never requested proof to confirm before marking my credit profile with a late payment. Not only did I not receive these said notices and instructions. I also have not received any proof of the damaging action of a late payment.The things that are being reported are affecting my business reputation in a negative way. It is causing me higher interest rates and credit denials. It is also causing immense amounts of XXXX. Which is also hurting me on an emotional, physical and mental level. If this is not rectified within 30 days I will be left with no choice but to further my elevated stress by pursuing legal action exercising my rights in 15 USC 1692 ( b ) ( d ) ( e ) ( k ). As their choice to not manually perform an investigation and to rely on eOSCAR is also causing further damage. The remedy I currently request is all negative items removed from my credit report immediately.

Under penalty of perjury, I hereby declare and affirm that the abovementioned The statement is, to the best of my knowledge, true and correct.
Product: Checking or savings account

On XX/XX/2019 I had an unauthorized transaction from XXXX in the amount of {$100.00} out of my Bank of America checking account. I contacted XXXX and advised it was not my transaction. XXXX also email me advising that I had an unauthorized transaction and advised me to contact my financial institution which I did. My XXXX account was disabled and remains disabled. I filed a fraud claim with Bank of America. A {$100.00} temporary credit was provided. In late XXXX Bank of America reversed the {$100.00} credit stating that XXXX sent them information say the charge was mine. I called Bank of America and the claim was reopened. I informed them that I had proof from XXXX stating that the claim was unauthorized and I could send to them. I faxed the emails to Bank of America, and also contacted XXXX again. XXXX once again advised I would have to contact my financial institution for reimbursement of the funds. As of now My XXXX account is still disabled. Bank of America had not resolved the claim, and I am still out {$100.00}. I am currently not using the Bank of America account much. I am waiting to see if this is resolved. I feel that neither company is resolving this issue, and that Bank of America is not doing anything to assist. I believe Bank of America should provide credit in the amount of {$100.00}, since proof has been sent to them showing that the charges through XXXX was not mine.
Product: Vehicle loan or lease

I went to the XXXX dealer XX/XX/XXXX and was given a XXXX XXXX XXXX. I was told that they could not take my XXXX XXXX XXXX because of all the recalls and that the vehicle they were giving me would be more reliable. That I should surrender that vehicle for theirs. ( XXXX dealer sold me a XXXX Vehicle ) ... I only had the vehicle for 3 months. Did not drive this vehicle nowhere close to 1000 miles ( I am XXXX  ) Vehicle broke down on a Sunday, XX/XX/XXXX on Expressway. I had it towed to XXXX and that Monday went into their dealership to find out what could be done, as I did not know what was wrong with Vehicle. They advised me 6 hours later that I needed to get the vehicle towed to XXXX because no one in their garage knew how to fix a XXXX. They also wanted to swap out vehicle with another vehicle but said my payments would be {$700.00} a month. I declined that offer as I am on social security and can not afford that monthly payment. I then towed vehicle to XXXX XXXX on XX/XX/XXXX and was told on XX/XX/XXXX that it was the transmission which would costs me {$5700.00}. Mechanics ' name was XXXX. I then let XXXX know of the situation and they said they would get back to me. Today, XX/XX/XXXX I heard back from them and they wanted to give me a XXXX XXXX XXXX but would not give me a monthly amount payment then claimed they couldn't find a bank to finance me ( Remember now, I have my XXXX on my credit report now ). After being there for 5 hours, they asked me to leave claiming they would get back to me when they could find a bank willing to finance me. I then called the bank I am financed under trying to see if they would help me and they said they don't do that and instead of volunteering to relinquish my vehicle back to them, they claim it would be a impound because my vehicle was not in my possession but rather at a business ( The business XXXX told me to take it to ). If you could help I would appreciate it because at this point I do not know what I can do and I need a vehicle. I keep getting the run around from XXXX and my issue with them is I only had the vehicle for 3 months which is crazy to me. ( But this was supposed to be the more reliable car )
Product: Debt collection

CMI contact me concerning an unpaid debt to XXXX in the amount of XXXX. I do not live at the address given nor do I have services with XXXX.
Product: Credit reporting or other personal consumer reports

I did not apply for credit nor give consent for my information to be used, therefore these are fraudulent opened by someone using my identity and reporting it is a violation of the FCRA. I didn't enroll or apply for this. 
This is a violation of my consumer rights under 15 USC 1681b. I never gave consent to this being reported, therefore it is identity theft and under 15 USC 1681 c-1 and per 15 USC 1681 c-2 any item identified as identity theft must be deleted and blocked. SEE ATTACHMENTS
Product: Debt collection

Mariner Finance in XXXX, IL calls me multiple times about a past due payment ( less than 30 days ). When I explain to them my rights under the CFBP ( no more than 7 calls in a 7 day period or can not call after we speak on the phone ) they tell me I am wrong and can continue to keep calling and will keep calling. They will only stop if I schedule a payment for a later date. 

I will include screen shots of the 3 calls in just the last 24 hours. 

They are terrible to work with when Im just trying to make my payments even if a few weeks late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a complaint with CFPB because I had incorrect information on my credit report and demanded its removal. An investigation was conducted, resulting in the partial removal of the incorrect inquiries ; however, not all incorrect inquiries were fully removed. I have previously disputed the following inaccuracies directly with XXXX XXXX on XX/XX/XXXX, EXPERIAN on XX/XX/XXXX & XXXX on XX/XX/XXXX, providing supporting documentation and requesting that they verify the accuracy of the information. Despite my dispute, the inaccuracies remain uncorrected on my credit report. 
I am requesting the Method of Verification for the following disputed account ( s ) : Specifically, as it relates to credit inquiries that I did not authorize : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies have negatively impacted my credit score and my ability to obtain credit. Moreover, it has caused undue stress and financial harm. 
Violations : I believe XXXX XXXX, EXPERIAN & XXXX is in violation of the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( 15 U.S.C. 1681i ) for failing to conduct a reasonable investigation into my dispute.

Section 623 ( 15 U.S.C. 1681s-2 ) for providing inaccurate information to the consumer reporting agencies and failing to investigate my dispute.

Section 604 ( 15 U.S.C. 1681b ) for furnishing information without a permissible purpose.

This unauthorized access to my credit information directly contravenes the Fair Credit Reporting Act, specifically Section 1681b ( c ), which distinctly upholds individuals ' rights to privacy and restricts the sharing of information without explicit consent. The absence of my explicit approval for these inquiries constitutes a breach of privacy and potentially fraudulent activity.

I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Its illegal to report transaction history pursuant to FCRA Section 604 ( a ) & 15 U.S.C 1681b ( a ).

I do not wish for the inquiries to be removed entirely ; instead, I want the information to be updated, and the negative inquiries to be adjusted to positive, as agreed upon in the credit report. I opt out of any authorization given to report my information to a third party without my consent. 
Furthermore, I suspect that the above listed Credit Reporting Companies did not complete a thorough investigation, because XXXX XXXX XXXX XXXX XXXX filed a civil case against my PERSON in XXXX, that later ended in the matter being dissolved and disputed. Also, I would like documentation/proof of an existing contract or purchase order confirming any service with XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$2600.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
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 XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.